我国银保合作法律监管制度完善研究

发布时间：2018-05-19 01:05

本文选题：银保合作 + 股权结合式　；参考：《湖南大学》2015年硕士论文

【摘要】：银保合作产生于经济全球化和金融自由化的大背景下。1971年法国里昂信贷银行收购专营健康险的保险公司,开始经营保险业务被视为银保合作的开端。随后,银保合作开始在全球范围内迅速发展。我国的银保合作正式开始于1996年,然而受制于当时严格的分业经营体制,我国最初的银保合作模式仅限于协议代理模式。随着我国在立法上对分业经营的逐渐松绑,实践中以战略联盟形式、资本合作形式、金融控股公司形式表现的银保合作模式纷纷出现。银保合作作为一种较新的金融创新模式,它一方面能给商业银行带来可观的中间业务收入,给保险公司带来规模经济效应,另一方面也蕴含着巨大的金融风险,因此需要各国金融监管机构对其进行必要的法律监管。目前国际组织和有关国家对银保合作采取了一系列有效的法律监管措施,为我国银保合作的法律监管提供了有益借鉴。我国也已出台了不少的规范性文件来规制银保合作,但是仍存在一些问题。首先在基本监管制度上:分业监管体制下监管空白与重复监管并存、规范性文件效力层级低。其次在针对各种模式的具体监管上:我国现行的规范性文件大多只是针对非股权结合式中的协议代理模式制定的,对于战略联盟模式、资本合作模式以及金融控股公司模式少有涉及。因此,我国对银保合作的法律监管,不仅要从基本监管制度上进行完善,还要加快构建和完善我国已有银保合作模式的法律监管制度,从而将银保合作全面纳入我国法律监管的体系内。
[Abstract]:Bancassurance cooperation emerged from the background of economic globalization and financial liberalization. In 1971, when Credit Lyon acquired insurance companies specializing in health insurance, it was regarded as the beginning of bancassurance cooperation. Subsequently, the bancassurance cooperation began to develop rapidly around the world. China's bancassurance cooperation officially began in 1996, however, it was restricted by the strict separated operation system at that time, and the initial bancassurance cooperation mode in our country was limited to the agreement agent mode. With the gradual loosening of our country's legislation on the separation of business management, in practice, the forms of strategic alliance, capital cooperation and financial holding company have emerged one after another in the form of bancassurance cooperation. As a new financial innovation mode, bancassurance cooperation can bring considerable intermediate business income to commercial banks and bring scale economy effect to insurance companies, on the other hand, it also contains huge financial risks. Therefore, it needs the necessary legal supervision by the financial regulatory agencies of various countries. At present, international organizations and relevant countries have taken a series of effective legal supervision measures to the cooperation of bank and insurance, which has provided beneficial reference for the legal supervision of the cooperation of banking and insurance in our country. China has also issued a lot of normative documents to regulate bancassurance cooperation, but there are still some problems. First of all, in the basic regulatory system: supervision gap and repeated supervision coexist under the separate supervision system, and the normative documents have low level of effectiveness. Secondly, on the specific supervision of various modes: most of the current normative documents in our country are only for the non-equity combination of the agreement agent model, for the strategic alliance model, Capital cooperation model and financial holding company model rarely involved. Therefore, the legal supervision of the bancassurance cooperation in our country should not only be perfected from the basic supervision system, but also accelerate the construction and perfection of the legal supervision system of the bancassurance cooperation mode in our country. Thus, bancassurance cooperation will be fully incorporated into the legal supervision system of our country.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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