中国银保合作发展问题分析

《中国银保合作发展问题分析》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、AbstractBancassuraneeistheproductionofthebank'sbusinessandthemutualpenetration’ofinsurancebusiness，thebank’军capitalandthe’insurancecompany!scapitalunderthemutualintegrationintheofeconomicliberalization．Bancassuranceeconomicglobalizationandthepromotionisanimportantmeansofthebankingandinsuranc

2、eindustriestoopenupnewmarketsandfurtherimprovetheprofitability．Withthedevelopmentofincreasinglysophisticatedfinancialmarkets，mixedtrendisincreasinglyobvious，cooperationinbankingandinsurance，whichisrepresentativeofasignificant，bancassurancegraduallydevelopedinChina，businessintegrationtrendsar

3、ebecomingcloser．Accordingtorelatedstatistics．舔thefirsthaIfof2009China‘Stotalbankinsuranceagencyfornearly80，000organizations，theseagenciesweretoachieveapremiumincomeof243．961billionyuan，40．76％oftotalpremiumincome，fromthisthemiddlebankinsuranceagencyorganizationstoachievepremiumincomeofl65．433

4、billionyuan．Withthesedatawefindnearly30％ofthecountryinsuranceiSsoldthroughbanks．InJanuarytoJulyof2010insuranceCanbesaidthatthecooperationofthebankingindustryhasenteredabestperiod，wecanfindaemergenceof”flowingwell”phenomenon．Ofwhich，ChinaLifeInsurance，Taikang，Xinhuaandotherbankinsurancebusine

5、ssinsurancecompanieshaveenteredaperiodofspeedingdevelopment．However，thecooperationbetweenbankingandinsuranceisstillnottoahighlevelofdevelopment，mainlyintheagreementorcooperation，supplementedbytheinitialstageofstrategicalliance，intheprocessofcooperation，therearestillunreasonableproductstructu

6、re，salesmisleading，viciousmarketcompetition，andmanyotherrelatedissues．T11ispaperismailyanalysisonthepresentstatusofthedevelopmentofbankingandinsurance．bancassuranceathomeandabroadtofindamodelsuitedtoChina。SDevelopmentRoad．Andfromeconomiesofscale，economiesofscopeandperspectiveofgametheoryando

7、thertheoriesexistonthepossibilityofcooperationinbancassurancehasbeendemonstrated．Atthesametimetoanalyzethesituationandtherealityoftheobjectivenecessityofcooperationfrombothbankandinsuranceexistence，andlookingform6problemsandshortcomingsinthedevelop