A Study On The Development Strategy Of Bank And Insurance Business Of BON Bank

With the establishment and continuous deepening of the market economy system,the accumulation of the wealth of residents,with the resulting personal and family financial needs continue to grow.Commercial banks as an important platform for customer service is also constantly advancing with the times,the flow.Especially in the context of interest rate liberalization and financial disintermediation,"customer-centric" has increasingly become the consensus and transformation focus of commercial banks.The personal financial intermediary business in the banking agency insurance business because of its irreplaceable financial security and leverage features such as product features,but also personal financial services for customers in the asset allocation of an integral part of the attract high-quality high-end customers,Expand the market share and increase the role of business profits are gradually emerging.On the one hand is the ability of domestic and foreign commercial banks to actively reserve or have been carried out bancassurance business to meet the growing customer protection needs and expand the vast bancassurance market;the other hand,whether domestic banking or insurance industry has not yet Fully mixed business background,based on the needs of domestic customers on the basis of the bank and insurance theory and cooperation model still needs to be further improved,while an overview of the industry,products and business development model homogenization is more obvious,the real characteristics of the bancassurance business development and Professional services are lackluster.Gap means that opportunities,but there is a huge space for development.How to effectively serve and meet the growing needs of individuals and their families by means of banking platforms with professional financial management? How to form an effective commercial bank bancassurance business characteristics and advantages? How to effectively develop the commercial bank bancassurance business? Worth every one of our banking business practitioners,participants and pioneers to explore and think.In this paper,BON Bank as the research object,in the overview of the development of bank and insurance business and BON Bank Bank business development based on the status quo,from personal business "product-centric" to "customer-centric" transition direction to achieve To participate in all parties win-win situation as the goal,to professional services and the development of the Internet have focused on the idea of starting from the perspective of differentiated management to form the corresponding characteristics and brand.Through the analysis of the internal and external environment of BON Bank and Bancassurance business,the framework of SWOT model,and the comparison and reference of the development strategy and experience of domestic and foreign banks and bancassurance business,this paper makes a theoretical discussion and feasibility study on BON bank bancassurance business development strategy.We put forward corresponding business development measures and specific suggestions from the aspects of customer orientation,product selection,channel cooperation and professional services.We will give full play to the advantages of BON Bank and draw lessons from the successful experiences of the same industry and cooperation channel,reinforce the high-And professional services team’s core competitiveness,and then to achieve their own bancassurance business sustainable development expounded.Finally,this paper sets up the implementation plan from the aspects of culture construction,assessment mechanism,innovation ability,team construction,and wind control management,and establishes the safeguard measures from the aspects of wind control system,resource allocation and brand image,etc.,and puts forward the corresponding organizational structure.Change the proposal,and constantly promote the Bank of BON bank and business development strategy for effective implementation.