我国银行保险业可持续发展研究

发布时间：2018-04-12 21:33

本文选题：银行 + 保险　；参考：《华中科技大学》2013年硕士论文

【摘要】：银行保险起源于20世纪80年代的欧洲。然而我国银行保险业的发展目前仍处于落后的阶段，它仍无法摆脱一般代理模式，因而也存在着各种各样的问题。我国银行保险业的生存和发展存在着巨大的挑战，已足以让银保联合机构处于“烂泥潭”中。如何让我国银行保险业得到可持续性的发展，已经成为业内人士应当注意的一个重要课题。本文采用了文献研究法、实地考察法、走访调查法、数据分析法来进行研究，试图提出一条可持续发展的建议。通过收集相关资料及数据，分析出我国现阶段银行保险发展的现状，存在的问题，及其形成原因。新的市场形势下的银行保险，不仅要进一步夯实发展的管理基础，更要密切关注周边环境变化，提前做好应变准备，提高可持续发展的能力，，才能在激烈的竞争中获得生存空间。简单来说，为了保证银行保险能够健康稳定成长，必须把可持续发展的思想作为公司运营的主导思想。具体说来就是：一是要转变经营观念，二是要加强诚信建设，三是改变发展模式，四是合理利用资源优化组织，五是加强销售渠道建设，六是开发新产品（如具有储蓄性的险种），七是注意费率市场化，八是应用高科技，将新的技术应用于银行保险，使银行保险相关机构提高服务水平，增添竞争筹码，实现可持续发展。
[Abstract]:Bancassurance originated in Europe in 1980s. However, the development of Bancassurance in China is still in backward stage, it still can not get rid of the general agent mode, so there are a variety of problems. The survival and development of the banking and insurance industry in China there is a huge challenge, is enough to make joint institutions in bancassurance the "mess". How to make China's banking insurance industry sustainable development, has become an important topic in the industry should be paid attention to. This paper adopts the methods of literature research, on-the-spot investigation, investigation, data analysis method to conduct the research, attempts to put forward a suggestion on Sustainable Development.
Through the collection of relevant information and data, analyze the situation of bank insurance development in our country, the problems and the reasons. The new market situation of bank insurance, management should not only lay a solid foundation for further development, should pay close attention to changes in the surrounding environment, the strain to prepare well in advance, improve the ability of sustainable development. In order to survive in the fierce competition. In simple terms, in order to ensure the healthy and stable growth of bank insurance, must take the idea of sustainable development for the company operation leading thought. Specifically it is: one is to change the business concept, the two is to strengthen the integrity of the building, the three is to change the mode of development, the four is reasonable using the resource optimization of the organization, the five is to strengthen the marketing channel construction, the six is to develop new products (such as a savings insurance), the seven is to pay attention to market rates, the eight is the application of high-tech, new The technology is applied to the bank insurance to improve the service level of the related institutions, add competitive chips and achieve sustainable development.

【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2;F842.6

【参考文献】