我国银行保险的组织模式选择

发布时间：2018-04-23 02:31

本文选题：银行保险 + 组织模式　；参考：《山东大学》2011年硕士论文

【摘要】：银行保险是银行和保险公司所采取的一种相互融合渗透的经营方式,通过利用和协同双方的优势资源,为客户提供兼具银行和保险特征的金融产品,以满足客户日益多元化的金融服务需求。银行保险最早开始于欧洲,经过多年的探索和发展,已成为欧洲保险业的主要销售形式,经营银行保险业务也成为各国金融机构提升自身综合竞争力的重要途径,银行保险的组织模式也由最初的代理合作模式演化为一体化程度更高的金融集团化模式。我国的银行保险制度是1995年以后产生并不断发展起来的,至今,银行保险业务在中国的发展也不过短短的十几年历史,然而,它给中国金融业,特别是银行和保险业带来的影响却是巨大的：对银行而言,代理保险业务所获得的手续费收入已经在银行中间业务收入中占据了较高的比例；对保险业而言,与银行合作开展保险业务已成为保险公司扩大规模、占领市场的主要方式。但应该清醒的看到,我国银行保险业务的发展还处于一个较低的层次,基本还局限于协议代理阶段,且在发展的过程中还存在着诸多问题,根本原因在于：我国分业经营的法律制度限制了银行保险向更高的层次发展。为解决上述问题,必须完善并修改相应的金融法律制度,加快转变银行保险组织模式,笔者认为,依据我国的实际情况,应该采取渐进的原则,就目前而言,应该维持并完善当前的分业经营法律制度,以求我国的银行保险制度在代理合作模式下得到更为充分的发展,待各方面条件具备时,再转变分业经营的金融体制,制定《金融控股公司法》,水到渠成的过渡到混业经营阶段,相应的,银行保险的组织模式也由代理合作模式转变为金融控股公司模式,这才是我国银行保险走上健康轨道的必由之路。这也是本文写作的主要观点。本文的创新之处和写作意义在于：首先,虽然银行保险自20世纪80年代出现并风靡全球以来,经济学在该领域的研究从未中断,其理论体系的建立也达到了日益完善或者说相当成熟的地步,然而,能将银行保险的发展与现行法律制度结合起来进行研究的论述可谓是凤毛麟角,本文在认清了这一现实的前提下,试图从法律制度的角度出发研究我国银行保险的模式选择问题,以求有所创新；其次,本文写作采用了理论与实际相结合的研究方式,在分析我国银行保险发展现状时引入了多个较典型的案例,并依据现行世界范围内银行保险组织模式的基本类型对这些案例进行了归类,从而深刻揭示了我国银行保险所处的阶段,有利于针对我国银行保险组织模式的选择问题提出更加完善的对策。
[Abstract]:Bancassurance is a kind of management mode which is adopted by banks and insurance companies. By utilizing and cooperating with the advantage resources of both sides, bancassurance can provide customers with financial products with both banking and insurance characteristics. To meet customers' increasingly diversified financial service needs. Bancassurance started in Europe at first. After many years of exploration and development, bancassurance has become the main form of sale of European insurance industry, and the operation of bancassurance has become an important way for financial institutions in various countries to enhance their comprehensive competitiveness. The organization mode of bancassurance also evolved from the original agency cooperation model to the financial collectivization model with higher degree of integration. China's bancassurance system was born and developed after 1995. Up to now, the development of bancassurance business in China is only a short history of more than ten years. However, it gives China's financial industry, The impact of banking and insurance, in particular, is enormous: for banks, fees earned by agency insurance already account for a high proportion of bank intermediate income; for the insurance industry, Cooperation with banks to carry out insurance business has become the main way for insurance companies to expand and occupy the market. However, we should be aware that the development of bancassurance business in our country is still at a lower level, basically limited to the stage of agreement agency, and there are still many problems in the process of development. The fundamental reason is that the legal system of separate operation limits the development of bank insurance to a higher level. In order to solve the above problems, we must perfect and modify the corresponding financial legal system and accelerate the transformation of the bancassurance organization mode. The author believes that, according to the actual situation in our country, the principle of gradual progress should be adopted. We should maintain and perfect the current legal system of separate operation, in order to make the bank insurance system of our country more fully developed under the mode of agency cooperation, and then change the financial system of separate operation when all the conditions are available. The formulation of the Financial holding Company Law, the natural transition to the stage of mixed operation, correspondingly, the organizational model of bancassurance has also changed from the mode of agency cooperation to the mode of financial holding company. This is the only way for China's bancassurance to take a healthy track. This is also the main point of view of this paper. The innovation and significance of this paper are as follows: first of all, although bancassurance appeared in the 1980s and became popular all over the world, the research of economics in this field has never been interrupted. The establishment of its theoretical system has also reached an increasingly perfect or quite mature point, however, the discussion that can combine the development of bancassurance with the current legal system for research is rare. On the premise of recognizing this reality, this paper tries to study the mode selection of China's bancassurance from the angle of legal system in order to make some innovations. Secondly, this paper adopts the research method of combining theory with practice. In the analysis of the present situation of China's bancassurance development, several typical cases are introduced, and these cases are classified according to the basic types of the current worldwide bancassurance organization model. Thus, it reveals the stage of the bancassurance in our country, and it is helpful to put forward more perfect countermeasures for the choice of the organization mode of the bancassurance in our country.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：F832.2;D922.28

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