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The Study on Stakeholders in Bancassurance

Author: ZongWei
Tutor: WeiHuaLin
School: Wuhan University
Course: Finance
Keywords: Bancassurance Stakeholders Principal-agent
CLC: F840
Type: Master's thesis
Year: 2005
Downloads: 422
Quote: 2
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Abstract


Bancassurance is in the context of financial integration, as an institution, since the 1870s it has been more than 30 years of development history. From the European experience, the development of bancassurance is no fixed pattern, must be combined with a country specific market conditions, such as regulatory conditions, market conditions, etc.. Bancassurance in China to take the organizational structure of the signing of the sales agreement model, banks responsible for product sales, as agent of the insurance company and the insurance company is responsible for product development. My bank has a strong network advantage, to have a say in the distribution of benefits with the insurance company, the insurance company in order to obtain the power of attorney of the bank, eager to improve agency commission, insurance companies caught in vicious competition fee plight, banking and insurance development into Victoria Valley. This paper argues that, because of the limitations of the model of China's bancassurance structure, difficult to obtain in-depth cooperation between banks and insurance companies is the reason for this situation appears, and behind this is the constraints of the regulatory regime of the financial sub-sector in China. In our the existing bancassurance organization mode, banks and insurance companies are too short-sighted to focus on short-term interests, and the inability to concentrate the power of both big bank insurance market through product development and service innovation. Bank insurance in a country's development often involves multi-party interests, from the assumptions of economics, insurance companies, banks, regulators and consumers are rational people should seek maximum benefits, the parties pursue interests of behavior will undoubtedly an important impact on the development of the bancassurance. Although in China's banking and insurance, banks and insurance companies there are all kinds of conflicts of interest, but fundamentally, with the intensification of competition in the banking and insurance industries, the interests of both is the same. The purpose of this paper is to Bancassurance in China main stakeholders, a clear the bancassurance body between which conflict on this basis put forward some ideas to mitigate these conflicts, solve the existing problems of China's banking and insurance to promote the development of China's banking insurance to put forward their own views. The first chapter is the emergence and development of bancassurance background analysis, this part of the analyzed from both theoretical and practical aspects of the emergence and development of the banking and insurance and bancassurance in Europe and China and development background contrast. Can be found by comparing our bancassurance lack of policy guidance of national policy, subject to financial separate operation in the system, lack of banks in promoting development, the development of China's banking insurance showing different from the characteristics of the development of bancassurance in Europe . The second chapter the bancassurance interest in the subject analysis. This section first gives the definition of the stakeholders, and then discusses the stakeholders to define. On this basis, pointed out that China's banking and insurance

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CLC: > Economic > Fiscal, monetary > Insurance > Insurance Theory
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