我国银行保险业务监管法律制度研究

发布时间：2018-05-01 02:12

本文选题：银行保险业务 + 分业监管　；参考：《中南林业科技大学》2017年硕士论文

【摘要】：随着金融全球化的发展,金融行业的混业经营已成为全球发展趋势。我国金融领域采取的是分业经营、分业监管的制度,商业银行代理保险作为一种新型的金融服务产品,在我国发展历程并不长,但近二十年来业务增长迅猛。在银行保险业务迅速发展的过程中,保险业务员在银行网点经常进行销售误导,致使银行、保险公司面临诸多法律风险。鉴于此,强化对银行保险业务的监督管理,防控经验风险,建立健全银行保险业务法律制度,学习境外主要国家在银行保险业务的先进经验,对于推动我国银行保险业务的健康持续发展具有重要意义。本文共分五个部分。第一部分概括了银行保险业务国内外的现状,以及本文的研究思路和方法;第二部分阐述了银行保险业务监管法律制度。先介绍了银行保险业务监管的概念、监管法律制度的模式,而后从宏观、微观两个层面分析了我国银行保险业务监管法律制度;第三部分从一个银行保险业务案例入手,阐述混业经营潜在的风险,深入分析了分业监管法律制度存在的问题;第四部分介绍了法国、英国、日本、美国银行保险业务监管法律制度,这些国家积累了丰富的经验,通过研究上述国家银行保险业务监管的法律制度,能为我国提供一些启示;第五部分先后从完善银行保险业务监管法律模式、组建国家金融业监管总局和建立健全银行保险业务监管的法律体系三个层次提出设想和建议,以构建我国银行保险业务监管法律制度的新思路。
[Abstract]:With the development of financial globalization, the mixed operation of financial industry has become a global development trend. The financial field of our country adopts the system of separate operation and supervision. As a new type of financial service product, commercial bank agent insurance has a short history in our country, but its business has grown rapidly in the past twenty years. In the process of rapid development of bancassurance business, insurance operators often missell in bank outlets, which makes banks and insurance companies face a lot of legal risks. In view of this, we should strengthen the supervision and management of the bancassurance business, prevent and control the experienced risks, establish and improve the legal system for the bancassurance business, and learn from the advanced experience of the major foreign countries in the bancassurance business. It is of great significance to promote the healthy and sustainable development of China's bancassurance business. This paper is divided into five parts. The first part summarizes the current situation of bancassurance business at home and abroad, as well as the research ideas and methods of this paper; the second part expounds the legal system of supervision of bancassurance business. This paper first introduces the concept of bancassurance business supervision, the mode of supervision legal system, and then analyzes the legal system of bancassurance business supervision in China from two aspects: macroscopic and microcosmic. The third part begins with a case of bancassurance business. This paper expounds the potential risks of mixed operation, analyzes in depth the problems existing in the legal system of separate supervision, and in the fourth part introduces the legal system of banking and insurance supervision in France, Britain, Japan and the United States, which has accumulated rich experience. By studying the legal system of the supervision of the bancassurance business in the above-mentioned countries, it can provide some enlightenment for our country. The fifth part is to improve the legal model of the supervision of the bancassurance business successively. In order to set up a new legal system for the supervision of bancassurance business in China, the author puts forward some ideas and suggestions on the establishment of the State Administration of Financial Supervision and Supervision and the establishment of a sound legal system for the supervision of bancassurance business.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.281

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