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The bank insurance development is in the economic globalization and under the financial liberalization impetus, the mechanics of banking and the insurance business seep the product which mutually, the banking capital and the insurance capital fuse mutually, its has become the Western Developed country Banking industry and the insurance business opens the new market, to raise the profit margin the important means. Our country's bancassurance cooperation is at the start stage, presents the fast development momentum; But both sides cooperate limit to the simple concurrently industry proxy level, bank agent's insurance business are low in various banks overall service proportion, the agent insurance business income are not many, has not manifested the bancassurance cooperation the value and the superiority. In the current bancassurance fast development, the question exposes unceasingly, even some place's agency business presents the major rises and falls. This article has th