我国银保合作的模式与发展策略分析

《我国银保合作的模式与发展策略分析》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。

1、AbstractInrecentyears，theincreasingcompetitionsinthefinancialindustryandtheemergenceoftheeuroareahaveacceleratedthedevelopmentofglobalfinancialintegration．WiththecontinuousprogressoffinancialreforminChina,thetrendofthemixedoperationinfinancialindustryappears．I

2、nthistrend，theintegrationprocessofbankingandinsuranceindustryisparticularlyprominent，whichisknowntheBancassuranceprocess．Thesearticlesis，undersuchcontext,explainsthedefinitionofBancassurance，analyzesthedevelopmentofChina’Sbankingandinsurancecooperationstrategi

3、esandmodels，discoverstheproblemsexistinginthedevelopmentofBancassuranceandprovidessolutions．Firstly，thedefinitionofBancassuranceisexplainedinthreeaspects：thechannels，productsservicesandbusinessstrategy．Atthesametime，thefourstagesoftheBancassuranceisbrieflyelab

4、orated．ThedevelopmentofOUrbankinsurancemotivationisalsoanalyzed．Inthispaper，bytheanalysisandcomparisonofmajorforeigncountries’developmentofBancassurancemode，wefoundthecooperationbetweenbankingandinsuranceinEurope，whichoriginatedinFrance，startedquiteearly．Thegr

5、eatsuccessofbankandinsuranceindustryinFranceactivelypromotedthedeepintegrationoftheentireEuropeanbankingandinsuranceindustries，aswellasthedevelopmentinAmerican．Theanalysisshowsthatthedevelopmenttrendsoftheforeignbankandinsuranceindustrystartedfromthebankproxym

6、ode，thentransitedtothestrategicpartnership，andeventuallydevelopedintoequitycoopermivemode．Cross-holdingsornewholdings，whichbothhavecontributedtotheintegrationbetweenthebankingenterpriseandinsurancecompanies，alsogreatlypromotedthehealthydevelopmentoftheBancassu

7、rancechannel．Thestudyofthedevelopmentofthedomesticbancassurancecooperationmodelinthispaper，basedonthebankingandinsurancecooperationmodeamongIndustrialandCommercialBankofChina,PostalSavingsBankofChina,theAgriculturalBankofChina,ChinaConstructionBankandPingAnIns

8、uranceGroup，showstheIIImainBancassurancemodeanddevelopingprocessinourcountryrecently．Theanalysisrevealedthatbefore2008theBancassurancemodeinChinaisstillintheprimarystageofcooperati