商业银行综合经营模式下的银行保险业务风险控制研究

发布时间：2018-03-04 07:03

本文选题：商业银行　切入点：综合经营　出处：《安徽大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着全球金融混业经营趋势更加明显,我国商业银行也逐渐向综合经营发展。综合经营不同于混业经营,“混业经营的范围较大,且不限于金融业,还包括实业,而且综合经营往往是一个法人机构同时经营几类业务。”在我国,由于受到《商业银行法》的限制,商业银行集团一般通过在境内、外设立独资或合资子公司,实施以商业银行业务为核心的综合经营管理,商业银行综合经营已经成为传统商业银行发展的主流方向。多年来,我国金融业一直保持着分业经营、分业监管的模式,银行业和保险业的合作也仅仅局限于银行利用其窗口优势代理少量保险产品这种通过分销协议进行合作的模式上。从2002年以来,银行业保险业的合作步入了一个新的时期。从保险业的资金可以进入银行业,到银行可以参与保险公司的股权投资,到现在的银行业保险业能够互相参股,我国金融业在混业经营的探索中迈出了坚实的一步,这也必将为银行业和保险业的发展带来新的机遇。最近几年,随着银行保险业务高速发展,银行保险业务各模式下的管理和风险管控成为研究热点。银行作为保险产品销售的重要渠道,合作模式已从代理协议为主逐渐向资本合作、金融集团模式发展。本文针对银行作为母公司,综合经营模式下的银行保险业务风险控制情况进行分析、研究,文章使用规范研究、案例研究结合的方法,分别从六个部分进行阐述：第一章绪论。主要介绍了研究商业银行综合经营模式下银行保险业务风险控制的相关背景、研究意义、国内和外研究现状、研究思路和方法、研究创新和不足等相关内容。第二章概念界定及理论基础。重点介绍了银行保险业务、风险控制、各类风险的定义以及银行保险理论综述等内容。第三章我国银行保险业务发展的历程。主要介绍我国银行保险业务发展的历程、介绍银行保险的模式和各类模式的优劣势分析,介绍商业银行综合经营模式下的银行保险业务的现状。第四章商业银行综合经营模式下的银行保险业务风险分析。将商业银行综合经营模式下的银行保险业务风险分为基础风险和感染风险,对各类风险细分并展开具体分析,最后通过层次分析法确定各类风险的权重,通过风险分析暴露风险控制中的薄弱环节。第五章SH银行综合经营模式下的银行保险业务风险控制案例。阐述SH银行综合经营模式下银行保险业务开展的情况,通过分析其中面临的各类风险及采用的控制措施,最后得到一定的启示。第六章政策建议。主要结合前面理论和分析,分析得出的风险分类,对我国商业银行综合经营模式下的银行保险业务风险控制措施提出了建议。
[Abstract]:With the trend of global financial mixed operation becoming more obvious, Chinese commercial banks are gradually developing towards comprehensive management. Comprehensive management is different from mixed operation. "the scope of mixed operation is large, and not limited to the financial industry, but also includes industry," he said. Moreover, comprehensive management is often a legal institution that simultaneously operates several types of business. "in our country, due to the restrictions of the Commercial Bank Law, commercial banking groups generally set up sole proprietorship or joint venture subsidiaries in China," he said. Comprehensive management with the core of commercial bank business has become the mainstream direction of traditional commercial bank development. For many years, China's financial industry has maintained a pattern of separate operation and supervision. The cooperation between banking and insurance is also limited to the mode in which banks use their window advantage to act as agents for a small number of insurance products through distribution agreements. Since 2002, The cooperation between the banking industry and the insurance industry has entered a new period. From the capital of the insurance industry can enter the banking industry, to the banks can participate in the equity investment of insurance companies, to the present banking and insurance industry can participate in each other's shares. China's financial industry has made a solid step in the exploration of mixed operation, which will bring new opportunities for the development of banking and insurance industry. In recent years, with the rapid development of bancassurance business, the management and risk management under various modes of bancassurance business has become a hot topic. The mode of cooperation has gradually changed from agency agreement to capital cooperation and financial group mode. The article uses normative research, case study method, respectively from six parts to elaborate:. The first chapter introduces the background, significance, domestic and foreign research status, research ideas and methods, innovation and deficiency of the research on the risk control of bancassurance business under the comprehensive management model of commercial banks. The second chapter defines the concept and the theoretical basis. It mainly introduces the bancassurance business, risk control, the definition of various types of risk and the summary of the theory of bancassurance. The third chapter introduces the course of the development of the bancassurance business in China, mainly introduces the development process of the bancassurance business in China, introduces the models of the bancassurance and analyzes the advantages and disadvantages of the various models. This paper introduces the present situation of the bancassurance business under the comprehensive management mode of commercial banks. Chapter 4th: the risk analysis of bancassurance business under the comprehensive management mode of commercial banks. The risk of bancassurance business under the comprehensive management mode of commercial banks is divided into basic risk and infection risk. Finally, the weight of all kinds of risks is determined by AHP, and the weak links in risk control are exposed through risk analysis. Chapter 5th: the case of risk control of bank insurance business under the comprehensive management mode of SH Bank. This paper expounds the situation of the development of bank insurance business under the comprehensive management mode of SH Bank, and analyzes the various kinds of risks and the control measures adopted therein. Finally, we get some enlightenment. Chapter 6th policy recommendations. Combined with the previous theory and analysis, the paper analyzes the risk classification, and puts forward some suggestions on the risk control measures of the bancassurance business under the comprehensive management mode of commercial banks in China.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2;F842.6

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