The Research Of Development About Bancassurance In China

Bancassurance appears in Europe in1980s, which is the product of mixture of banks and insurance companies. It produced in France firstly, and was current in Europe, its development is the most mature in the United states and Europe. As a new insurance sales channel, bancassurance can achieve the organic combination of the tripartite interests of customers, banks and insurance companies. This not only convenients a one-stop shopping needs of customers, but also helps insurance companies to expand sales channels.This paper, which is based in the analysis of banking and insurance, combines with the typical course of development of the National bancassurance, and summarize some available experience we can learn.In our country, the bancassurance has experienced10years of development since1995, which is in constant progress from the pace of development and size of business, there are also some innovative practice. In this paper, analysis of bancassurance development is divided into four stages of development, and we are currently in the recovery growth stage, while the cooperation of banks and insurance companies is in a loose agreement distribution model. In this paper, we base in the actual situation of our banks, draw on the development lessons of international banking and insurance, and analyze the latest bancassurance policy, so that we make a number of specific recommendations of solving the above problems.