a人寿保险股份有限公司银保业务发展问题分析 word格式.docxVIP

ABSTRACTBancassurance began in the 1980s in Europe.It is a strategy of mutual penetration and integration used by banks and insurance companies. They offer insurance-related financial products and services by integrating their sales pipeline and customer resource sharing to meet customer demand for diversified financial services.It’s the product of economic globalization, liberalization and financial innovation development.The biggest characteristic of bancassurance is banks and insurance companies can reduce operating costs through the sharing of resources, complementary advantages. It forms a win-win situation of insurance companies, banks and customers.Due to such features and advantages bancassurance achieved rapid developmentin in just thirty years time in the world.A Life Insurance is a subsidiary to A Insurance Group . It is Chinas second largest life insurance companies according to premium income and has always maintained a professional leading competitive advantage in the life insurance industry.After more than ten years of development, bancassurance become an important sales channel of A Life Insurance.This article introduced the overview and development environment of A Life Insurance.I analysis the advantages of development ,weaknesses, opportunities and threats of A Life Insurance bancassurance through the use of SWOT analysis. In this paper ,the study found several issues in the development of A Life Insurance and put forward a series of coping strategies to solve these problems.There are four major problems in the development of A Life Insurance bancassurance business. First, the constraints of the external environment. Second, the single structure of bancassurance products, product homogeneity and weak protection.Third, the existence of the phenomenon of misleading sales, customer service is not perfect. Fourth, channel management issues. To solve these problems ,on the one hand ,the state should improve the regulatory and create a favorable p