xx人寿保险河南分公司银行保险销售问题研究word论文.docxVIP

AbstractBancassurancebusiness hasnearly twodecadesof developmenthistory inChina, despitetheintroductionoflate,butthedevelopmentisveryrapid.Comparedwith otherchannelbusiness,ourbancassurancechannelsnakesontheroad,thehigherin theoverallproportion. Afterarapiddevelopmentperiod,bancassuranceisbecoming moreandmorenormal.Nowbancassurancechannelrevenueisaccountedforabout30%oftotalinsurancepremiumincome,especiallylifeinsurancecompanies.Atthebackgroundofourfinancialseparatemanagement,separatesupervision,bankingand insurancebusinesswasinitiallybasedonsalesagentintheformofconduct.Inthis process,insurancecompaniescanincreasebusinessvolumethroughbancassuranceto obtainprofit,theinsurerwillpayacertainfeeasconsiderationtothebank,soasto achievewin-winsituation.Asanewinsurancecompanyinlate1990s,XXLifeinsurancehasmadeapleasantperformance,successfullygetonthescaleofinsurancepremiums34.237 billionyuanin2007.Intermsofphilosophy,XXLifeinsuranceisthefirsttoputforwardtheBigThreeofmodernlife,namelybuyacar,buyahouse,buyinsurance, andpromoteyouth,health,fashion,happy,modernviewoflife.Intermsofbusiness development,atthebeginning,XXlifeinsurancedevoteitselftodeveloping bancassurance,explorenewformsofbankingandinsurancebusiness.Nodoubt, bancassurancehasmadetremendouscontributionstothecompanysbusiness. However,withtheaccelerationoftheprocessoffinancialintegration,marketplayers increasing,theresourcewarismoreandmoreintensified.Howtomaintainthefiercecompetitioninthemarketandkeepoldcustomersanddevelopnewresources,sothatthebusinesshasasteadyrise,isaproblemofChinasfinancialinstitutionstobesolved.Thepaperdiscussesbancassurancesaleproblemmainlyfromthreeareas, namelybankinsuranceproducts,channelsandsalestaffs.AndpointsoutthatXX LifeInsuranceHenanbranchproblemisseriousproducthomogeneity,lightfinancialIIsecurity,unclearpositioning,shortcomingsinchannelmaintenanceandpropaganda, channelinstabilityandtheweakqualityofpractitioners.Accordingtointernationalbancassuranceexperience,thecompanyshouldinnovativecoopera