Development Strategy Of China's Bancassurance And Mode Selection

Along with finance industry competition intensifying and the global finance integration advancement, financial mixing industry become a tendency, but fusion of banking industry and insurance industry also appears outstanding, the process of they fusesion are the cooperation process. The five years transition-period has passed after our country entering the WTO, the foreign financial organization will enter our country market in abundance, and the mixing industry management pattern of foreign financial organization gradually appears superior, but our finance industry minute industry management, the cooperation between bank and insurance still was at the startstage, we has a long distance to go compare with the western nation's "Bancassurance", also have many problems, our bank and the insurance company will contend with the transnational financial group difficultly.Therefore, we will summarize the question and the reason of our country financial mixing industry, study the success experience of developed country, and choose the right pattern for our country. Which have significant and the profound significance to develop our bank and insurance and strengthen their market competition.The full text divides into five parts:The introduction mainly explained the significance of bank insurance cooperation research, and introduced the foreign and domestic scholars research present situation on the reason, the relations localization of banking industry and the insurance industry, and the cooperation development strategy and pattern choice and so on.The first part is the theoretical analysis about the cooperation of bank and guarantees, mainly introduced "Bancassurance" the definition, the characteristic, the development pattern and so on, and analyzed the rationale and the realistic root of the cooperation on the economies of scale, the scope economy, property special-purpose, the transaction expense, the coordination effect and the game theory.The second part is to learn about the development situation in the main developed country and the local cooperation of bank and guarantee and study the experience from them. Mainly introduced the cooperation of bank and insurance development situation at present in the main developed country the local, and compare the cooperation pattern with the southern Europe, Western Europe and the North America, then we obtained the significance to our cooperation of bank and insurance.In the third part, we analyze the present situation and the problems about the bank and assurance cooperation mainly summarized cooperation course and the development environment then find the reason to existence question.In the fourth part, we introduce the development strategy and the pattern choice for our country bank and insurance cooperation. We analyze the basic situation of bank and insurance corporation from the superiority, the opportunity, threaten four aspects, and construct the SWOT matrix, then propose the suits pattern to the bank and insurance cooperation in our country, pointed out that the bank insurance strategy alliance is the ideal pattern on bank and insurance cooperation in our country at present, "moderate" the stockholder's rights cooperation is the cooperation Crosses stage, the establishment of finance holding company is trend of bank and insurance in our country.