Research On The Analysis And Reengineering Of ZS Bank Agency Insurance Business Marketing System

In the background of economic globalization and financial globalization,the integration of bancassurance as a product of mixed banking and insurance business,is a collection of channel innovation,product innovation,comprehensive financial product innovation cooperation.In foreign countries,especially the developed countries in Europe is the bank insurance industry has entered a mature stage of the operating mode of financial group.At present,Chinese economy is in the economic downward and the stage of market interest rates,banks face dual challenges of declining profits and business restructuring,the bank insurance for bank restructuring and development has brought new opportunities,the bank insurance business has gradually become an important strategy for the structure optimization of intermediate business income of commercial banks,bank insurance has become the inevitable trend of development of financial integration.In this dissertation,combining with the working practice,the relevant theoretical knowledge in the course of using MBA,first elaborated on the bancassurance concept and background,a comprehensive analysis of domestic and international banking insurance development course and the present situation.Then taking the ZS bank insurance marketing system as the research object,through quantitative analysis of data analysis of ZS bank the bank insurance development status and industry development situation,recognize faces ZS bank insurance development dilemma.Once again the ZS bank's existing bank insurance marketing system of full scan,find out the insurance agency business marketing system of ZS bank products,customer service channels,the problem of service.To conduct a comprehensive analysis using the PEST analysis method of marketing environment of ZS bank insurance,comprehensive analysis of the marketing environment established SWOT marketing model based on ZS matrix,the bank insurance agency business Marketing competitive strategy.Combined with the SWOT matrix model of 4Cs marketing theory for effective improvement of insurance agent marketing system of ZS bank,mainly through the analysis of customer needs,to meet customer demand for insurance products transformation system.In order to enhance the convenience of purchase as the starting point of the construction of marketing channels.In order to reduce the purchase cost of sales system innovation oriented.Through the empirical research on ZS bank insurance agent marketing system reform,can help ZS bank to reverse the adverse situation,and in the competition to improve their own competitiveness,to lay a good foundation for the ZS bank management transformation.