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Bancassurance rapid development in the context of global economic integration, financial mixed. Since China's accession to the WTO, bancassurance has become an important source of business for insurance companies in China, is the focus of one of the insurance companies and academia. Bancassurance in China started late, so far, only 10 years of history in the rapid development, the new issues continue to emerge, such as the fee is too high, the product structure is irrational, product homogeneity serious, unstable sales channels, marketing non-compliance and other issues. At present, China's academic circles for bancassurance development environment, development model, existing problems and countermeasures already mature analysis of its the bancassurance business risk and management, but the insurance company to the perspective of the main body of the bancassurance holistic still little explored. Therefore, based on the perspective of the insurance company the to explore of our bancassurance risk its management has important theoretical and practical significance. This paper attempts based bancassurance course of development of domestic and foreign insurance companies to carry out the bancassurance business risk analysis, to learn from the mature foreign countries bancassurance experience in risk management, and the use of the methods of empirical analysis, and according to the Insurance, economics, marketing science, Management and econometrics theory, comprehensive exploration risk and its management from the perspective of the insurance companies of bancassurance. This paper is divided into seven sections, including an introduction and six chapters, the following main elements and perspectives: An Introduction to the beginning of this article. This explains from the perspective of the insurance companies in China to explore the background and significance of the bank insurance risk and management: from bank insurance definitions, characteristics, respectively generated causes and mode recalls the main perspectives of the domestic and foreign scholars and major research ; brief summary of the main content and methods of this study; elaborated innovation of this paper and insufficient. The first chapter is the analysis of the emergence and development of the bancassurance. This part of the analysis of the course of development of insurance and foreign banks. The Bank Insurance originated in Europe in the 1980s, it is in the course of development abroad, including: sprout, start, mature, professional four stages. The course of development of China's banking insurance only ten years old, but only based on bancassurance and the analysis of the course of development, in order to see the development of bancassurance is a dynamic, phased process, and in turn to find the bank the development of rules and characteristics of the insurance, which is the basis for further analysis. The second chapter is to analyze the insurance companies to carry out the risk of bank insurance business. This part of the theory of the stakeholders on the general theory of bank insurance risk analysis; divided our insurance company to carry out the types of risk faced by the bank insurance business, including product risk, underwriting risk, marketing risk, technology risk, reputation risk, legal risk, and policy risk; explore the risk management status quo of China's insurance companies at this stage bancassurance business. The third chapter is based on China Life Insurance Company, for example, the empirical analysis of the risk and its management of our bancassurance business. In this paper, the econometric regression analysis method to analyze the influencing factors of China Life Insurance Company bancassurance business premium income. A positive relationship model learned that the premium income of China Life Insurance Company, the insurance premium income of China's banks, the annual increase in the amount of savings deposits of urban and rural residents, these three factors, and China Life Insurance Company Bank of premium income of the insurance business; consumer prices Index of China Life Insurance Company Bank premium income of the insurance business into a negative relationship. Empirical Analysis of China Life Insurance Company operates the major risks faced by the bank insurance business and its management, and to explore and come to the revelation of the China Life bancassurance business risk management analysis. The fourth chapter is the analysis of the foreign banks, insurance risk management experience and revelation, including France, Britain, Germany and the United States bank insurance risk management experience. Bancassurance as an \Many foreign banks in developed countries insurance is relatively mature, summarize and draw on its bank insurance risk management experience, bank insurance business for insurance companies operating in China has an important significance. At the same time, this learn from China's specific national conditions, require a combination of factors, including China's financial environment, legal environment, cultural environment, the rational choice. Above reference and analysis presented in this chapter should banks and insurance companies to perfect the mechanism of the innovation of banking and insurance products, bancassurance innovation incentives, the subdivision of the bank insurance product line proceed, improve risk management of insurance companies bancassurance . The fifth chapter discusses the risk management strategy of insurance companies bancassurance business. As the focus of this study, this chapter will our insurance company bank insurance business risk management strategies divided into five modules were elaborated, risk management strategies, including the bancassurance product design process, bancassurance marketing process of risk management strategies, and Bank risk management strategy, the bank insurance business of internal control, risk management strategies, risk management and insurance companies in China bank insurance business law and regulatory external environment. The sixth chapter is the conclusion, a brief description of the main contents of this paper, the ideas and conclusions, expect to improve our insurance company bancassurance business risk management to further promote our deep-seated banking and insurance, the sustained and healthy development have a beneficial the impact. This article may innovation lies: First, research perspectives and research innovation. From the perspective of the insurance company to investigate the of our bancassurance risk its management has some new ideas. The innovation research methods. In this paper, the inductive analysis method is more mature development of insurance course of development of domestic and foreign banks and foreign banks, insurance national bank insurance risk management experience research. Normative analysis and quantitative analysis methods, combined with the empirical analysis methods, the empirical analysis of the impact factors of the premium income of the Bank of China Life Insurance Company insurance business model initially built to explore our insurance company bank insurance business and the qualitative analysis method risk management, and ultimately better risk management strategy put forward China's insurance companies bancassurance business.
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