我国商业银行银保业务竞争力研究--基于工商银行江西省分行银保业务现状的分析

Research on Chinese Commercial Banks' Competitiveness in Bancassurance Business——Based on the Status Quo of ICBC Jiangxi Branch's Bancassurance Business

面对全球经济金融一体化浪潮,国内金融经营格局正面临着变革。银保业务作为国际金融业新的利润增长极,近几年在我国发展迅速,且未来前景广阔,各商业银行对发展该项业务的重视程度不断加强,同业竞争日趋激烈。工商银行作为最先进入该项业务领域的商业银行之一,一度在同业市场中占据明显的先发优势,但同时也累积了一系列发展问题,使得竞争力受到一定程度的削弱。工商银行需要从战略管理、市场拓展、业务创新和服务保障等多方面着力,进一步打造工商银行银保业务核心竞争力,促进银保业务可持续健康快速发展。

Under the integrated trend of global economy and finance, the operation pattern of domestic financial industry is changing. Bancassuranee business, a new profit growth engine, has been experiencing hasty increase in recent years. Its great developing potential attracts commercial banks to attach more and more importance to it and triggers increasingly fierce competition. As one of pioneers in this business, ICBC has been occupying obvious preemptive advantages and accumulating series of problems as well, which impair its competitiveness to some extent. ICBC should farther forge its core competence in bancassurance business from the perspectives of strategic management, market expansion, product innovation and service quality, to promote the sustainable and healthy development of bancassurance business.