Research On The Relationship Between Bank And Insurance Agency And Legal Supervision In China

For insurance company,the bank agency insurance business has become the growth point of its performance.Through the deepening of the cooperative relationship with the banking industry and the promotion of mixed operation,the deep cooperation between the bank and the insurance company has become a new trend.However,the overall mode of China's bancassurance is still a kind of agency cooperation.The specific form is the insurance company relying on the channels and the customer group of the bank,the bank uses the advantages of its customers and outlets resources to sell the insurance company's products and extract the fees from the agency after the approval of the CIRC.It is the agency based on the individual agent.At present,China is in the initial stage of banking agency business.In the process of practice,there are many problems,such as the vicious competition,misleading sales,commercial bribery and information leakage,which seriously hinders the orderly development of China's silver insurance market and is not conducive to the stability of China's gold knockout market.Therefore,to find and analyze the reasons for the existence of these problems,and to put forward scientific and reasonable legal regulations,to promote the healthy development of China's bank insurance,has a positive and practical necessity.Based on the basic model,corresponding risk,development direction and legal supervision of China's bank agency insurance business,the basic theory of bank agency insurance,the development and supervision of the agent relationship of silver insurance in foreign countries,the risk and legal supervision under the relationship between the bank and the Bank of China are three major issues.In part,this paper expounds the agency relationship and legal supervision of China's silver insurance,and introduces the development and supervision of the agency of silver insurance in developed countries,such as Britain,France,Germany and the United States.It is from the supplement and perfection of existing laws and regulations,the change of existing supervision ideas,the internal supervision and management of commercial banks and the development of the organization mode.The legal regulation of the agency insurance business of the bank putforward suggestions,as relaxing "double restrictions" in the bank's agency qualification and extending the period of the agency agreement properly;clarifying the responsibility of the bank and the insurance company in the protection of the rights and interests of consumers;strengthen the construction of the self-discipline system of the industry and the supervision of the staff.