忻州市银行保险业务发展制约因素及解决对策---以太平洋保险公司为例.docxVIP

忻州市银行保险业务发展制约因素及解决对策——以太平洋保险公司为例 21世纪以来随着经济的发展，生活水平的提高，人们手中的剩余资金越来越多，于是投资理财的多样化随之也成为了热点。受传统观念的影响，大部分人选择银行存款。银行存款虽然安全可靠，但是收益比较小。此时银行业与保险业的结合使得人们有了新的理财方式。本文通过实际调查法，以忻州市太平洋保险公司（以下简称忻州太保）的银行业务发展为例，通过对其内部人员的访谈，发现其发展过程中存在的问题。如产品的同质化、销售渠道经营粗放、网点优势无法突显、促销手段不合适、销售力度不够。以及发展过程中的一些制约因素，文章的最后就这些问题提出了相应的解决办法。并展望了忻州市银行保险业的发展前景。 关键词：银行保险；制约因素；发展意见；经济 The restriction factors and countermeasures for thedevelopment of bank insurance industry in XinZhou City Taking Pacific Insurance Company as an example ABSTRACT With development of economy and improvement of living standards since 21stcentury, more and more people have the remaining funds, and investmentdiversification has also become a hot spot. Due to influence of traditional ideas, mostpeople deposit money in bank. Depositing money in bank is safe and reliable, but getsrelatively small gains. The combination of banking and insurance industry hasproduced a new mode of financial management. In this paper, we take thedevelopment of banking business for the Pacific Insurance Company (hereinafterreferred to as Xinzhou Pacific) in Xinzhou City as an example and investigate theproblems during its development through internal staff interviews, such as thehomogenization of the product, extensive management for sales channel, failing tohighlight network advantage, inappropriate promotion methods, wear sales force.Some factors restricting the development process and, The paper puts forward thecorresponding solutions at last and makes prospects of the development for theinsurance industry in Xinzhou city. Key words: bank insurance； restriction factor； development opinion； Economy 目录 TOC \o 1-5 \h \z \o Current Document 银行保险业务的相关问题 1 \o Current Document （一） 银行保险的概念及特征 1 \o Current Document （二） 银行保险的基本内涵 1 \o Current Document （三） 银行保险的发展与演变过程 1 \o Current Document （四） 太平洋保险公司的发展历程 2 \o Current Document 忻州太保的银行保险存在的问题 2 \o Current Document （一） 产品的同质化问题比较严重 3 \o Current Document （二） 销售渠道经营粗放，网点优势无法突显 4 \o