论我国银行保险的发展对策.docVIP

论我 银行保险的发展对策 ［ ］银行保险是在金融服务一体化的框架下发展起来的保险公司与银行合作的一种模 式，起源于20世纪80年代的欧洲，发展十份迅速，已影响到世界许多国家，对国际保险业 乃至整个金融业产生了重人而深刻的影响。自1996年在屮国出现后，短短十几年的时间里面， 苏业务规模正在以惊人的速度发展着，尽管发展迅猛，但却夹带着一系列的问题和弊端，阻 碍着我国银行保险的健康发展。如何发展和完善我国的银行保险，己成为现阶段制约金融保 险发展的问题之一。论文通过阐述银行保险在我国的发展历程和发展现状，分析我国银行保 险在发展过程中存在主要的问题和原因，借鉴亚洲部分国家银行保险的发展经验，我国保险 业机遇与挑战并存，银行保险发展须加强与战略合作伙伴的关系，通过加人技术幵发力度开 发更加多样化的优质产品，重视营销人员的素质与专业技能的培养，为客户提供更好的服务， 建立和完善好合理的奖惩机制来激励营销人员，从而达到客户、合作伙伴、公司共赢。 ［关键字］银行保险问题对策 The Development And Strategies of Bancassurance in China [Abstract] Bancassurance is a kind of mode of cooperation between the insurance company and the bank developed in the frame of the integrated financial services under the 80’s of the twentieth Century， originated in Europe, developed rapidly, has affected many countries of world, has exerted a great influence on the international insurance industry and the financial industry. Since 1996, the bancassurance has been developing at an amazing speed in China. Behind the prosperous and thriving development of bank insurance, we found that a series of problems and shortcomings which seriously hindering our bancassurance developing well. How to develop and perfect the bancassurance in our country, has become one of the current problems to restrict the development of Finance and insurance. This thesis demonstrates the bancassurance in the development process and the development status of our country，analysis of China’s Bank Insurance Problem and reasons in the development process, development experience of Asian countries bancassurance, and the insurance industry opportunities challenges co-exist in China, bancassurance development must strengthen relationships with strategic partners, through increase technology development efforts to develop more quality products, pay attention to the training of quality and professional skill of marketing personnel，provide better service for customers，establish and perfect the reasonable incentive mechanism to incentive marketing personable, so as to ac