商业银行代理保险业务的法律规制研究

发布时间：2018-04-18 03:30

本文选题：银行代理保险 + 法律风险　；参考：《安徽大学》2015年硕士论文

【摘要】：银行保险作为银行业和保险业互相合作的一种创新金融组织模式,.最早于20世纪70年代起源于法国,经过近几十年的探索发展,西欧国家已具备相对成熟的法律监管制度。银行保险业务不仅极大的推动了一国银保市场的发展,而且有利于金融混业化和经济全球化的实现。我国的银行保险近几年发展迅速,但目前仍处于初期的商业银行兼业代理保险业务模式,在实务开展过程中出现了诸多问题,如手续费恶性竞争、误导销售、商业贿赂与信息泄露等现象层出不穷,这严重阻碍了我国银保市场的有序发展,也不利于我国金融市场的稳定。因此,找出并分析这些问题存在的原因,并提出科学合理的法律规制,促进我国银行保险健康发展,具有积极的现实必要性。本文分析了商业银行代理保险在市场准入方面存在声誉风险、法律政策风险和代理制度风险,并划分了代理制度的内外部风险；在销售经营过程中存在虚假宣传、商业贿赂、信息泄露以及道德风险。依据监管机构发布条文的变化,分析了现有法律规制以及监管制度存在的问题,在法律规制层面,着重分析代理机构定量不确定、代理资格制度的僵化以及对于经由无保险从业资格银行职员签订的保险合同的有效性不确定。比较境外相关监管制度,得出完善监管法律法规和完善金融监管协调机制的经验启示,借鉴现有国内个别地区成功经验,从现有法律法规的补充完善、现有监管理念的转变以及商业银行自身内部监督管理和组织模式的发展三方面来探究我国商业银行代理保险业务的法律规制的完善,主要提出建立“总分”的代理模式、建立分级代理制度和规范手续费三方面的法律规制意见。
[Abstract]:As an innovative mode of financial organization, bancassurance is a kind of cooperation between banking and insurance industry.It originated in France in the 1970s. After several decades of exploration and development, Western European countries have a relatively mature legal supervision system.The bancassurance business not only promotes the development of a country's bancassurance market, but also contributes to the realization of financial integration and economic globalization.China's bancassurance has developed rapidly in recent years, but it is still in the early stage of commercial bank concurrent-business agency insurance business model. In the process of practical development, there are many problems, such as vicious competition of handling fees, misleading sales, etc.The phenomenon of commercial bribery and information leakage emerge in endlessly, which seriously hinders the orderly development of our country's banking and insurance market, and is not conducive to the stability of our country's financial market.Therefore, it is necessary to find out and analyze the causes of these problems and put forward scientific and reasonable legal regulations to promote the healthy development of China's bancassurance.This paper analyzes the reputation risk, legal policy risk and agency system risk of agency insurance of commercial banks in market access, and divides the internal and external risks of agency system.Disclosure of information and moral hazard.According to the changes of the regulations issued by the regulatory bodies, this paper analyzes the existing legal regulations and the problems existing in the regulatory system, and focuses on the quantitative uncertainty of the agency at the level of legal regulation.The rigidity of agency qualification system and the uncertainty of the validity of insurance contracts signed by unqualified bank staff.By comparing the relevant supervision systems abroad, we draw lessons from the experience of perfecting the regulatory laws and regulations and the coordination mechanism of financial supervision, and draw lessons from the successful experiences of individual domestic regions, and perfect the existing laws and regulations from the supplementary and consummation of the existing laws and regulations.The transformation of the present supervision idea and the development of the internal supervision and management of commercial banks and the development of the organization mode to probe into the perfection of the legal regulation of the agency insurance business of the commercial banks in our country, and mainly put forward the establishment of the agency mode of "total score".Establish a hierarchical agency system and regulate the fees of the three aspects of legal regulation opinions.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.284

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