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Financial Synergy Perspective: Banking-Insurance Park Dev & Innovation (Beijing Case)

Author(s)

Jiayu Chen, Chaoli Li

Affiliation(s)

North China University of Technology, Beijing, China

Abstract

Against the backdrop of the deep integration of global finance and technology, and the urgent need for the transformation and upgrading of China's financial industry, the development of banking and insurance industrial parks has become a key carrier to promote financial synergy, enhance industrial agglomeration effects, and build a high-quality financial ecosystem. This paper takes the theories of financial synergy, industrial cluster, and bancassurance integrated development as the core analytical frameworks, and selects the Beijing Banking and Insurance Industrial Park—a national-level financial industry demonstration zone—as the research object. Through an in-depth analysis of the park's development positioning, industrial layout, technological application, this study systematically explores its current development status, outstanding achievements in financial technology integration and green financial innovation, as well as existing challenges such as insufficient digital infrastructure, homogeneous competition, and imperfect public service platforms. Furthermore, to promote the park's sustainable development and help it better play its leading role in the capital's high-precision economic structure construction, this paper puts forward targeted suggestions and innovative development paths from three dimensions. These measures are expected to further release the park's financial synergy effect, improve its comprehensive competitiveness, and provide a replicable and promotable model for the high-quality development of banking and insurance industrial parks across the country.

Keywords

Beijing Banking and Insurance Industrial Park; Financial Synergy; Industrial Clusters; Bancassurance Integration; Innovative Paths

References

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