A Study On Risk Management Of Bancassurance For China Construction Bank Heilongjiang Branch

Bancassurance is a mixed financial sector development in the middle of a major business.Our bancassurance is accompanied by the recovery of the domestic insurance business generated and developed,t he development of a relatively short time,but it is increasingly becoming an important source of intermediary business profits,which is bound to be a sustainable commercial banks development of attention.But at the same time it can not be ignored,since the commercial bank insurance agency business is a relatively new business,in the specific operation,there are still some outstanding issues of risk management,lack of both banks operational risk,there are some markets,policies,other aspects of the system and constraints,to some extent,commercial bancassurance business development caused some obstacles,the current urgent need to build a good risk management system to address and improve.In this paper,the behavior case CCB Heilongjiang provinces,combined with modern bank risk management and insurance operations risk management theory,the China Construction Bank branch in Heilongjiang Province risk management in insurance agency business process were discussed.First,the site survey,clear the status of the CCB branch in Heilongjiang Province agents insurance business;secondly,after a study found that Construction Bank Heilongjiang Branch insurance agent presence of reputation risk,operational risk,market risk,policy risk,systemic risk and so on;again,according to the principles of the CCB branch in Heilongjiang Province insurance agency business risk management objectives,methods,proposed the corresponding risk management measures,and finally put forward the implementation of safeguard measures China construction Bank branch in Heilongjiang Province insurance agency business risk management,namely,to further promote and strengthen CCB Heilongjiang the establishment of provincial branches of insurance agents when co-regulatory regime,and China construction Bank branch in Heilongjiang Province from its own development to strengthen the scientific and standardized insurance agency business risk management system,the establishment of professional and technical competence of employees training and incentives,pay attention strengthen CCB strictly regulate the internal staff management branch in Heilongjiang Province,in order to promote sustainable development in Heilongjiang Province branch of China construction Bank insurance agency business risk management.