中国人寿银行保险发展存在的问题与对策

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1、ABSTRACTThetruesenseofbancassurancebeganinthe1980's.BankssignedanagreementwithinsurancecompaniesandInsteadofinsurancecompaniessellingofinsuranceproductsthroughhugesalesoutletsofbanksSalesofinsuranceproducts.Banksobtainfeebyactingasinsuranceproducts.Insurancecompaniesobtainpremiumincome.Withthegrowi

2、ngprosperityofChinesefinancialsectordevelopment,Chinesebankinsurancebusinessalsoachievedrapiddevelopment.ChinaLifeInsurance(Group)isthelargestlifeinsurancecompanyinChina.ChinaLifeInsurance(Group)hasalwaysmaintainedaprofessionalleadingcompetitiveadvantageinthelifeinsuranceindustry.Thisarticleintrodu

3、cedtheoverviewanddevelopmentenvironmentofChinaLifeInsurance(Group).IAnalysisthedevelopmentofChinaLifeBancassurancepoliticalenvironment,economicenvironment,socialenvironmentandtechnologyenvironmentthroughtheuseofPESTanalysisandanalysistheadvantageofthedevelopmentofstrengths,weaknesses,opportunitiesa

4、ndthreatswhatChinaLifeInsurance(Group)confrontsthroughtheuseofSWOTanalysis.Inthispaper,thestudyfoundseveralissuesinthedevelopmentofChinaLifeInsurance(Group).Theseissuesincluderegulatoryimperfect,thecooperationmodeisnotyetmature,managementissuesandsalesmisleadingserious.Theseconstraintsareimportantf

5、actorsthataffectthehealthyandrapiddevelopmentofChinaLifeInsurance(Group)bancassurance.Thispaperalsoputforwardaseriesofcopingstrategiestosolvetheseproblems.China'srelevantdepartmentsshouldcontinueinaccordancewiththeactualsituationandneedstogetridofthosewhohinderthedevelopmentofbancassurancesystembou

6、ndTocreateafavorableinstitutionalenvironmentforthedevelopmentofbancassurancebytheestablishmentofasoundlegalprotection,strengthenthesupervisionofthebankingandinsurancecooperation,ongoinginstitutionalinnovation.ChinaLifeInsurance(Group)havetoworkhardtocultivatehigh-qualityprofessionalpersonnel,streng

7、thenself-managementforthecompany'semployeesforprovidingthefundamentalguaranteeforthedevelopmentofitsbancassurance,aswellastostrengthentheinformationdisclosure,weakeningtheasymmetryofinformationforimprovingC