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Research on the Benefit Assignment of the Bancassurance of China

Author: TaoPeng
Tutor: ZhaoShangMei
School: Shandong University
Course: Insurance
Keywords: Bancassurance The distribution of benefits Cooperative game Shapley value
CLC: F832.2
Type: Master's thesis
Year: 2010
Downloads: 432
Quote: 0
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Abstract


Bank of China insurance market from the 1990s, after years of development, the Bank of China Insurance has made great progress, to achieve premium income of 303.9 billion yuan in 2009, accounting for 36.78% of the life insurance premiums, bancassurance premium income comprehensive than the group direct sales business, one of the three pillars of life insurance sales. Judging from the current situation, the Bank of China insurance still agency agreement cooperation mode, but the bank insurance fee rate continues to rise and fee vicious competition between insurance companies led to insurance companies operating bank and insurance business into a profit or even zero profit situation, serious affect the long-term healthy development of the bancassurance cooperation relationship. This is mainly due to China's banking sector in the absolute dominant position in Bancassurance, which has an unparalleled network coverage advantage of the trust of customers of banks is much higher than the trust of insurance companies, Chinese residents of the funds deposited in the bank; while bancassurance product homogeneity serious, and insurance companies are too business-oriented, leading to the pursuit of premium volume above bancassurance distribution of benefits unreasonable phenomenon. With the sustained and rapid growth of the bank and insurance market, banks and insurance companies increasingly recognize the importance of strengthening bancassurance cooperation needed to solve a bancassurance cooperation unstable state, and therefore the a reasonably smooth interests allocation mechanism become The crux of the problem, the purpose of this study is that such a reasonable distribution of benefits of the establishment of mechanisms to guide the rational allocation of bank insurance interests, thus promoting the healthy and stable development of the bancassurance existing agency agreements mode and Bancassurance further. The article is divided into the following sections: I. Introduction. Elaborate on the topics of the background and significance of the relevant concepts defined Finally, the thesis research ideas and research methods. Second, the literature review and innovation. Mainly from bancassurance co-operation and the interests of the alliance to allocate both the literature review to identify problems and shortcomings, and to determine the direction of this study and research methods. Third, the course of development of China's banking and insurance and Management Organization Model of judgment. The course of development of the Bank of China Insurance stage, to make judgments - agency agreements mode the Chinese bancassurance model of cooperation and in accordance with the course of development of the Chinese bank and insurance. Insurable interest in the Bank of China proxy mode distribution elements. The distribution elements of the Bank of China Insurance Agents mode insurable interest income from bank insurance agency cooperation, agency costs and fee allocation for analysis. Chinese bancassurance distribution of benefits cooperative game. From the bank and insurance business process analysis, the input variables defined part of the cost, profit contribution and cost contribution cooperative game model. Sixth, research findings and policy recommendations. Based on the above conclusions, strengthened from the insurance supervision under the auspices of the fee management and industry self-regulation, fully optimize the internal management of the banking and insurance business, the establishment of an effective incentive mechanism of joint product development and over-the-counter sales staff and promote the bank on the model analysis conclusions comprehensive insurance deeper cooperation given the development of bancassurance policy recommendations.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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