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随着中行、建行股份制改造的即将实施,新一轮国有商业银行改革的步伐必将加快。新的改革对各商业银行的发展战略、经营战略、业务经营等带来新的冲击,同时,也为保险代理业务带来新的机遇和挑战。商业银行保险代理业务只有顺应改革发展潮流,把握市场机遇,积极探索公司化运作模式,创新经营机制,才能做大做强做精,实现效益最大化。一、商业银行保险代理业务公司化运作的必要性与可行性(一)公司化运作的必要性分析
With the upcoming implementation of the Bank of China and China Construction Bank joint-stock reform, the pace of reform of the new round of state-owned commercial banks will surely speed up. The new reforms have brought new impacts on the development strategies, business strategies and business operations of commercial banks. At the same time, they also bring new opportunities and challenges to the insurance agency business. Only in conformity with the trend of reform and development, the commercial bank insurance agency business can grasp the market opportunity, actively explore the corporatization mode of operation and innovate the management mechanism so as to make it bigger, stronger and more precise, and maximize its benefits. First, the commercial bank insurance agency business corporatization of the necessity and feasibility of (a) the necessity of the company’s operation analysis