A Study Of Bancassurance Cooperation In The Development Of Chinese Rural Economics

Problems facing to rural area,peasantry and agriculture are the main cause of dual economic structure in China, and they are also the key points to change that. At present, so many various risks are in countries in China, but there is lack of the risk disperser and the share mechanism which we should have. This situation is not matched with the foundation status of agriculture in our country. Along with the countrysides'industrial structure adjustment and agriculture modernization advancement quickening, the rural economy organization set an omni-directional and multi-stratification higher request to the financial service. The solution for problems facing to rural area,peasantry and agriculture not only needs to provide the fund, but also needs to provide a set of risk management mechanism and the safeguard system, because these can make the peasantry enabled to obtain the corresponding compensation in order to help restores the production when facing the disaster damage; and they can also cause the peasantry to obtain the basic safeguard, while not falling into impoverished because of the accident. At the same time, the rural finance organization also needs insurance to help themselves establish risk dispersion system in order to safeguard their loan. Facing to the broad rural market, the insurance institution also wants to make that became its own service new point of growth as soon as possible.Therefore, this dissertation thought that establishing the cooperation between rural finance organization and insurance institution in the countryside development is an action which can carry our points that the one tripartite altogether wins, profits in every way.Firstly, the dissertation elaborated the rationale of bancassurance, which mainly has the the superiority of scope economy, the economies of scale effect, the strengthened risk controls and reduces the transaction cost.The following closely, this dissertation gives us the concept boundary of rural bancassurance, and extended the goal and the function localization from that concept in the countryside development. Then the dissertation expounds the necessities from four angles, including the rural economy development, the rural finance, the countryside rented financing as well as the insurance business long-term development, in which we mainly take the peasant household as the example explained the difficulty of finance in our country countryside.When we analyse the feasibility of different kinds of patterns of bancassurance, we has profited from the present overseas main development pattern, and unifies our country countryside the actual environment, and chooses the most suitable development pattern in countryside the at present.Finally, aiming at the restriction factor to develop the rural bancassurance, we put forward the related countermeasure proposal.