| From the perspective of the current situation of the world financial development,the competition pattern of the financial industry has undergone tremendous changes,the traditional business scope has been continuously compressed,the trend of mixed operation of the financial industry has been continuously strengthened,and major financial institutions are seeking to develop integrated business to expand their business and enhance their competitiveness.As the main part of the financial industry,banks and insurance are actively cooperating to develop products with their own advantages.However,due to the short development time and limited business development of China's bancassurance business,there is still a gap between China's bancassurance cooperation and western financial developed countries at this stage.In practice,disputes often occur,causing great reputation loss to the banks and insurance companies involved,affecting their daily business operation,and seriously damaging the risk assessment and reputation of the banking and insurance industry.This paper selects the first case of bank insurance dispute which is reported to be handled after the merger of China Banking Regulatory Commission and China Insurance Regulatory Commission,which is a product dispute that occurs in the cooperation of a old state-owned commercial bank and B life insurance company,and has typical and certain reference significance.Through the analysis of this case,this paper aims to find out the causes of this kind of bank insurance disputes,so as to propose solutions to the causes,and promote the smooth and healthy operation of the bank insurance market.In the case study,based on the measures for the administration of agency insurance business of commercial banks implemented on October 1,2019 and the guidelines for the supervision of agency insurance business of commercial banks issued in 2011,this paper analyzes the liability attribution of bank insurance disputes from the perspective of a commercial bank,b life insurance company and consumers,and the negative social impact caused by the disputes,which reflects the development of China's bank insurance market There are many problems,such as the lack of banking and insurance supervision and the superficial financial supervision;the two sides of banking and insurance cooperation only focus on the immediate Commission interests and lack of the futurelong-term planning of the banking and insurance market;the phenomenon that commercial banks and insurance companies start from their own interests and ignore the long-term cooperation foundation;the lack of consumer awareness of banking and insurance products and financial knowledge It can provide suggestions for the follow-up healthy development of bancassurance products and avoid disputes.This paper is divided into five chapters.The first chapter is the introduction.It mainly expounds the research background and significance,literature review,research ideas and paper structure,innovation points and shortcomings.The second chapter is a brief introduction of the bank guarantee cooperation.This paper mainly introduces the overview of bancassurance cooperation,advantages and disadvantages,cooperation mode and external environment analysis of China's bancassurance market.The third chapter is case introduction.This chapter introduces the background of the bank insurance dispute,the process of the dispute and the final result of punishment by the CBRC.The fourth chapter is case study.From the perspective of responsibility ownership,this paper analyzes the responsibilities of commercial banks,insurance companies and consumers,the negative effects of disputes,and the root causes of bank insurance disputes.The fifth chapter is the solution of the dispute.Through the analysis of the causes of the case and the attribution of responsibility,the paper puts forward the solutions to avoid the bank insurance disputes and the long-term suggestions to ensure the future development.Chapter six is the conclusion. |
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