Dissertation
Dissertation > Economic > Fiscal, monetary > Insurance > China's insurance industry > Various types of insurance

Study on the Countermeasures of Bancassurance Development in China

Author ZhangHanPing
Tutor ZhaoZhengTang
School Xiamen University
Course Finance
Keywords Bancassurance Developing Countermeasure
CLC F842.6
Type Master's thesis
Year 2008
Downloads 533
Quotes 3
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Bancassurance is toward globalization , the integration of the product in the financial services industry in the fierce competition , but the bank insurance and related financial innovation is not smooth sailing is no obstacle . Traditional research direction , the focus of research at home and abroad on the bancassurance channel cooperation , product cooperation , business integration, survival of the environment , development direction and perspective typical example on the part of the Bank Insurance analysis , development of bancassurance limiting factor to arrive at different understanding , and put forward specific proposals . This paper argues that the development of bancassurance biggest impediment to banks and insurance marketing idea , the business object exists essentially conflict ; followed by two banks and insurance industry belong to the financial industry , the development of the market overlap , integration can not be achieved market expansion only bring redistribution of the market . Bancassurance in China is still in its infancy, in accordance with the actual situation in China and the environment , the development of the bancassurance more ready to attempt the financial industry to seek change and instead guide the development trend of the financial industry . Therefore , China 's banking and insurance should be to implement a strategic height practices of bancassurance in the process from the initial stage to a higher stage of development , research bancassurance and what strategies and tactics to promote China's financial sector continued , rapid , stable development , is of great practical significance . China 's Development Bank Insurance countermeasures mainly from the following aspects : First , you should determine a clear development strategy : based on the domestic priority profits , comprehensive operations ; Second, we should accelerate the establishment of a suitable organization and management system ; based on customer-centric , integrated banking and insurance products , to strengthen the marketing collaboration , reconstruct the process of service delivery ; while focusing on risk prevention , build strong IT support system platform and systematic training system and salary system , the integration of cultural differences ; addition, it should be established supporting flexible , prudent and effective regulatory regime and focus on relevant policies and improvement .

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