银行保险和其在我国的发展探讨.pdfVIP

英文内容提要 Bancassurance is the cooperation between banks and insurance companies, includes resourceintegration, channels sharing and co-services. From worldwide view, bancassurance sourcefrom Europe in 1980s by three developing stages, which has been became one of the mostimportant seling channels. In many countries, the total bancasurance income poseses ofover 50 per cent of overal insurance income. Curently, Bancassurance has a far-reachinginfluence on banking, insurers, and clients, and wil result in three wins. The developing experience of foreign bancassurance has important referenced meaning forChinas bancasurance industry. Chinas real-meaning bancassurance arised in 1995, andexperienced sprout stage, initial stage and quick-developing stage. Domestic bancassuranceshows a high-sped developing tendency, and the cooperative range continuing extended.From the overal view, the marketing potential is tremendous and the curent cooperativesituation stil very low. The operational model of domestic bancassurance is limited by the old system; the B-to-Bcooperative model brings many problems; relative regulations and laws stil not complete; thepublic insurance consciousness is relatively low; operation level of banking staf is hoped tobe improved; the resource of bank outlets is not wel-used. This brings a series of problems.For instance, the service ability is not enough, products and seling means are very simple,the competition of commission charge becomes more and more intense; banks are not active,and lack of inspection. Therefore, we need a series of countermeasures, which includes finding breakthrough fromChinas financial system, chan翻ng the operational conception of bancasurance, improvingthe enthusiasm of both banks and insurers and the changing of the seling methods, increasing the bancassurance productbanking, and quicken the developingdeveloping healthily and speedily. innovation, strengthening the marketing function ofof technology, so as to improve Chinas Keyw