The Risk Management Research Of Ban Assurance In Henan Branch Of A Insurance Company

Banking insurance originated in 1980 s,and it is a new mode of cooperation that will inevitably arise with economic development and financial industry.The banc assurance business in China started in the middle of 1990 s.After years of continuous exploration and practice,it has become one of the main marketing channels in the life insurance industry.But objectively speaking,the insurance business of China's banks are still in the primary stage of development,in the process of rapid expansion,the emergence of a series of problems and risks,and properly resolve the existing problems in the bank insurance business and risk,has become an important topic of China's financial industry.The current research on the bank insurance business at home and abroad mainly focuses on the macro level,such as the development environment and development mode,problems and shortcomings of existing and development,while relatively little research to a separate insurance company and bank insurance business.Therefore,the innovation of this paper lies in the typical case from an insurance company Henan branch of the bank insurance business is facing problems in the development,there are bottlenecks,and to promote the norms of the bank insurance the business development of the insurance industry.The author has worked at an insurance company Henan branch work experience,comprehensive use of comparative literature research method,research method,case analysis and so on;the development of the insurance industry and insurance bank related theory based on the research results,the research on an insurance company Henan branch bank insurance business risk management.First of all,the basic situation of the company,the development process and business status of ban assurance business are introduced in detail,including organizational structure,business income,product structure,marketing channels,policy supervision and so on.Secondly,the paper analyzes the risks faced by the company's ban assurance development,including the risk of product sales,underwriting operation risk,marketing channel risk,policy supervision risk and so on.Again,the problems and deficiencies of risk management in the company are analyzed,such as ban assurance products lack of innovation,cooperation,loose sales behavior was not standardized,fee payment irregularities;the risk management system is not perfect etc.Finally,according to the company's bank insurance business risk management problems,puts forward the risk control strategy,to further standardize the development of bank insurance business,the insurance company to avoid business risk occurs,the insurance industry to promote stable and healthy development to provide reference.