| Bancassurance is a new financial business emerging under the condition that financial industry was going to integration and financial competition was becoming more and more ferious . Now ,it is the third impotent distribution channel of life assurance in our country. however,there are several problems in the business such as unscrupulous competition ,we must discuss these problems deeply and find some measures to solve them.Anyang is a medium-sized city in Henan Province. through the thorough investigation of Anyang's Bancassurance market and a three-month practice in PICC ,the author have got a comprehensive understanding about the current situation of Anyang's Bancassurance market and problems in it .the thesis was written under such condition and want to give some useful suggestion.Starting with the meaning of Bancassurance and the current situation of international Bancassurance market and our country's, the thesis introduces the economic situation of Anyang and the bank industry,the assurance industry , the coopration between them in this city. then use the whole precess of Anyang PICC 'Bancassurance department as a case, point out the main problems existing in Anyang Bancassurance market. through thorough analysing these problems ,the thesis gives some practical suggestion and countermeasure. Then ,at last,the thesis analyses two of the most conspicuous problems: Bancassurance products and Bancassurance coopration patterns.The contents and main ideas:Chapter one makes a brief introduction about Bancassurance's meaning, patterns and synergies ,then analyses the backgrand of Bancassurance'emerging and the current situation in internationalBancassurance market. and draws a conclution that Bancassurance is the main business for banks and inssurance company in the coming future.Chapter two is the authentic and comprehensive data about Anyang Bancassurance market, including that:1.the population ,culture and the current ecconemic situation of Anyang city. 2.the current situation of Anyang bank industry ,such as bank setups ,management ,the wishes of Bancassurance coopration and so on. 3. the current situation of Anyang insurance industry ,such as setups ,management and makes a comparative analysis of all the life insurance in Anyang about their distribution channel ,products ,marketing techniques and service measures. 4.the ivestigation about consumer'insurance wishes and their consume behavior .5.drawing a conclution about all the problems existing in Anyang Bancassurance market and indicates that unscrupulous competition is the most obvious appearance at present.By discussing the case (the Business Activety of Anyang PICC Bancassurance Department ),chapter three discusses Anyang Bancassurance market more deely .1.analyse the current situation of Anyang PICC Bancassurance Department by using the SWOT method, makes a business plan. 2.discuss the business activity by three stages.3.discuss the from two aspects: internal causes and external causes. then, the author analyses those causes about unscrupulous competition and other phenomenons deeply by "market trap"theory , and gives proposals such as establishing long-time coopration relations between bank and life insurance and so on.In the last chapter the author discusses two of the most conspicuous problems in bancassurance market at present: Bancassurance products and Bancassurance coopration patterns and sets forth position on this three problems .The thesis combines its topic tightly with times,foucs on the most popular subject in financial and insurance industry , takes the basic-levelbancassurance market as the object of study, by using a lot of investegation methods the author discuss and study the market deeply to report the current situationof our country'bancassurance market actually and timely. At last, the author combines theory with practice , probes into the countermeasures of the bancassurance development , and this will play an important referential role in being engaged in bancassurance business and f... |
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