| With the gradual opening up of China's financial market and policies,the business model of "separate management and comprehensive management of the financial industry"has gradually become the mainstream of China's financial enterprises.The operation of banking and insurance groups and other financial groups has also witnessed the development of comprehensive financial services,especially the increasingly active cross-penetration of insurance group subsidiaries.At present,comprehensive financial operations of the insurance company is a kind of widely used in China's financial company's marketing model,however,due to the relevant laws and regulations and the limitation of their own business management level,the comprehensive financial business level in our country insurance company needs to be improved,the insurance company is currently facing the situation of business development has been the bottleneck.How to realize the transformation and upgrading of life,and how to upgrade business cross between various sectors to integrate the group level,how to make a comprehensive financial concept of top-down implementation,make each product sales of the plates to each other seamlessly,combination,to achieve win-win situation,will be we study in Japan,Taiwan and other advanced comprehensive financial insurance company management idea,need deep thinking and solve the problem.On April 8,2018,the new brand of the bank of China insurance regulatory commission was unveiled in the south building of xinmao building,which means that the China banking regulatory commission(CBRC)established in April 2003 and the China insurance regulatory commission(circ)established in November 1998 have officially retired from the stage of history after years of being together.In the development process of China's financial industry,it has gone through four stages of mixed operation,separate operation,spontaneous mixed operation and comprehensive finance.Among numerous domestic financial institutions,citic,PA and everbright have made remarkable achievements in unswervingly developing comprehensive finance,among which PA group is the most typical.PA group as owns insurance,bank,the major investment in the financial sector,engaged in the management of comprehensive financial history can be traced back to 1998,PA group width and depth of integrated financial management are still in the industry leading level,the practice has proved that integrated financial cross-selling has greatly promoted the PA group,the improvement of the overall business.In the domestic integrated the development of financial industry,the PA group was among the first to combine fubon insurance in Taiwan,the experience of the large financial institutions,such as the United States citigroup took the lead in domestic took to the comprehensive financial mixed management model of a road,this topic through in-depth study and analysis on the PA group model,assisted by credit card comprehensive financial cross-selling strategy research,tries to solve the following problems:(1)through the life insurance agent acquisition of credit card insurance agents go out for the guest,to reduce the sales of the difficulty of the life insurance and other products;(2)improve the quality and retention rate of life insurance teams through the exhibition of life insurance agents' credit CARDS;(3)integrate life insurance,auto insurance,financial management,credit and other products through the exhibition of life insurance agents' credit CARDS;(4)conduct late-stage operation and maintenance of customers through the exhibition of life insurance agents' credit CARDS.It is hoped that through the analysis and research of the above problems,some impetus can be provided for the better development of insurance enterprises,so as to realize the bottleneck of the development and transformation of life insurance companies and bring prosperity and stability to the whole life insurance industry. |
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