Study On The Countermeasures Of ZD Life Insurance Company Heilongjiang Branch Bancassurance Sales Channels

China's bank insurance channel is in the rapid development stage, in 2010 reached 450 billion yuan of premium income, is expected to reach 650 billion yuan in 2016. But our country's bank insurance business is still in the primary stage, the cooperation between the bank and the insurance company is just a simple model, the main body has not reached the relationship between the equality and cooperation, and the legal and regulatory efforts are not enough.ZD life was founded in ten after the first insurance, private insurance companies, is the only one only bancassurance insurance company. Bank of insurance premium in Heilongjiang area from 2009 has been maintained in the first four, but now Heilongjiang branch is facing the trend of financial integration in the big development, the bank channel sales is not stable, not only from the macro environment, but also from the company's own internal and channel construction.In ZD life heilongjiang bank-insurance company as the research object, in the problem of the construction of the bank-insurance product sales channels are analyzed, the idea became the first development situation of ZD life insurance company ZD life heilongjiang channel of the current situation and existing problems of Banks and insurance companies, and then to analyze the causes of the problem, channel advantages and disadvantages in the development of Banks and insurance companies at home and abroad for reference. Finally, Suggestions to consummate the ZD life heilongjiang bank-insurance channel countermeasures.