The Research On Synergistic Effect Of The Cooperation Of Bancassurance In China

With the continuous progress of the global financial system,since the 1980 s,the international financial market has shown the characteristics of innovation,diversification,integration and liberalization.Mixed operation has become the trend of the future development of financial institutions.As the most important part of the financial market,banks have been committed to the diversification of business model construction and improvement.In 2008,China’s relevant departments to relax the financial sector to implement strict business management and management requirements,began to allow China’s banks to invest in insurance,coupled with China’s current market interest rate reform and banks to establish a deposit insurance system.It is expected that China’s commercial banks will seek more and more frequent banking and banking activities.At present a large number of mergers and acquisitions at home and abroad confirmed that we determine whether the success of M & A activity is an important indicator of whether the synergies.This paper chooses the Bank of China M & A event as a case,uses the synergistic effect theory to combine the event analysis method and the financial data analysis method to evaluate the case synergistic effect,and tries to provide important theoretical and practical guidance for the bank and the insurance enterprise which China is seeking the opportunity of mergers and acquisitions significance.This article is divided into six parts.First,it expounds the research background,the significance,the method,the innovation of the thesis and the improvement.Second,it introduces the theoretical part,mainly on the theory of mergers and acquisitions.Third,it reviews the process of B & B mergers and acquisitions at home and abroad as well as the reasons for the mergers and acquisitions.The fourth part is the corresponding evaluation system for the analysis of the cooperative effect of China’s bancassurance merger and acquisition.The fifth part is the whole case analysis,Based on event analysis and financial data analysis,it is proved that the two sides acquire the synergistic effect.The last part is a summary of the case and comments on the future development of China’s bancassurance.