Research On Innovation And Development Of Bankcassurance In China

Banks Insurance as a new concept in financial cooperation reflecting the banks and insurance companies joined forces, the interaction among and towards the customer, bank and insurance company’s "triple win" situation, has become the an important force in the development of life insurance.However, the rapid development process, the insurance business showed a single value and implications if the product is not a problem. in order to change the existing simple to operate the business mode and improve the business became the value, cracking are silver in the business development bottlenecks, we must reform, trying to find the insurance business methods. innovative development.In this paper, the development of China’s bank insurance business environment and the present situation, a profound analysis, anatomy of the characteristics of bancassurance business development, problems, challenges, and from European countries such as the excellent bancassurance business development experience, put forward China’s banking business innovation and development of ideas.In the development innovation, the author proposes to the bank of china insurance regulatory system and structure and tax policy for the establishment of a science, the assessment mechanism, and then focus on a raised pattern, the sales mode, the insurance products, services and information technology for innovative ideas and initiatives to promote the insurance business, healthy development of insurance business the bank must find a way.