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1、-AbstractSince1990s,withtheliberalizationandintegrationofglobaleconomicdevelopment,andthechangesofmarketenvironment,theboundariesofthesub-sectoramongthefinancialfieldhasbeingbroken,andthetrendoffinancialservicesintegrationalsohasbecomecleargraduallyinthemajordevelopedeconomies.Thenmixedopera
2、tionandmultipolarcooperationisbecomingthemainthemeoftheglobalfinancialindustry.Insuchabackground,asanimportantcomponentofthefinancialsector,anewtypeofrelationship,whichnamedbancassurancehasstartedemergencebetweenthebankingandtheinsuranceindustry.Strengthenthebancassurancecooperationisconduci
3、vetotheformationagooddevelopmentpatternofresourcesharing,advantagescomplementary,theinterestsenjoying,andjointdevelopment,andcancreateexcellentwin-winsituationamongbanks,insurancesandcustomers.MeanwhilethisisalsoanewtrendandnewinitiativetoenhanceourChina'sbankingandinsuranceindustry'sinterna
4、tionalcompetitiveness,andadapttotheglobalfinancialindustry.However,Bancassuranceinevitableemergenceofanumberofproblems,onthe
onehandthelackofpositiveincentivesforbank-insurancesymbioticenvironment,on
theotherhandthesymbiosismodelofbancassuranceisnotsoperfect,which
includingtheculturaldiffere
5、ncesbetweenbanksandinsurancecompanies,
insurancemanagementnormativeneedstobestrengthenedandthedevelopmentand
useofthenewchannelsandnewproductareinadequate,etc.Thesefactorsconstrain
thefurtherdevelopmentofourChina'sbancassurance.Accordingtofactorsofrestrictingthedevelopmentofbancassurancesymb
6、iotic
aswellasgameanalysisofloosebancassurancecooperation,wecanknowthefuture
effortsdirectionofbancassurancesymbioticdevelopment,whichmainlyproceed
thefollowingfouraspects:toimprovethebancassurancesymbioticenvironmentand
promotetheharmoniousdevelopmentofit;tostrengthenthesymbioticunitandthe
7、insuranceindustry'sowndevelopment;toenhancetheinnovationofinsurance
productsandplaythewholeadvantagesofthebancassuranceUMPayandtoestablish
anexclusivebankinsurancestrategicalliances.Whichistheonlywaytorealizethe
targetofbancassurancefromshallowcoop
