| Bancassurance is the production of the bank's business and the mutual penetration of insurance business, the bank's capital and the insurance company's capital under the mutual integration in the economic globalization and the promotion of economic liberalization. Bancassurance is an important means of the banking and insurance industries to open up new markets and further improve the profitability. With the development of increasingly sophisticated financial markets, mixed trend is increasingly obvious, cooperation in banking and insurance, which is representative of a significant, bancassurance gradually developed in China, business integration trends are becoming closer. However, the cooperation between banking and insurance is still not to a high level of development, mainly in the agreement or cooperation, supplemented by theinitial stage of strategic alliance, in the process of cooperation,there are still unreasonable product structure, sales misleading, viciousmarketcompetition, and many other related issues.This paper is maily analysis on the present status of the development of banking and insurance, bancassurance at home and abroad to find a model suited to China's Development Road. And from economies of scale, economies of scope and perspective of game theory and other theories exist on the possibility of cooperation in bancassurance has been demonstrated.At the same time to analyze the situation and the reality of the objective necessity of cooperation from both bank and insurance existence,and looking for the problems and shortcomings in the development of bancassurance, given to the relevant suggestions. |
PDF Full Text Request