Research On The Development And Countermeasure Of Banking Insurance Business Of Commercial Banks

With the basic completion of interest rate liberalization,the competition of commercial Banks in China is becoming more and more fierce,and the gap between deposit and loan interest rates of main business income of commercial Banks is narrowing.In order to maintain the growth of profit and scale,commercial Banks pay more and more attention to intermediate business income.In order to maintain the increase of profit and scale,commercial banks pay more and more attention to intermediate business income.At the same time,bank-insurance cooperation is an important part of commercial banks to obtain intermediate business income,and the growth rate has become faster and faster in the past few years.The cooperation between banks and insurance industry not only shares the services of both sides,but also can cooperate with each other in business,give full play to their respective advantages,greatly broaden their own business and obtain greater benefits.With the development of China’s economy,the trend of mixed operation is becoming more and more obvious,one of the representatives is the cooperation between banks and insurance industry.However,at present,the development of cooperation between banks in our industry and insurance companies is still in the primary stage,although some achievements have been made,there are still a series of problems.Therefore,it is of great significance to analyze the cooperation and relationship between banks and insurance industry.On the basis of introducing the research background and practical significance and summarizing the literature at home and abroad,this paper discusses the problems existing in the cooperation of commercial banks from the perspective of the present situation of bank-insurance cooperation,combined with the relevant theories and personal experience in the work.Secondly,it analyzes the problems existing in the development of bank-insurance cooperation business of commercial banks in China,and analyzes the causes of the problems.Finally,from the current situation of the development of the cooperation between Banks and insurance companies,and research the current bank insurance development at home and abroad as a result,we will discover that the problems and shortcomings in the development,based on some personal experience in the work,and proposed the corresponding countermeasure and the suggestion.