我国银行保险发展对策研究

发布时间：2018-06-10 12:50

本文选题：银行保险 + 银行保险模式　；参考：《西南财经大学》2013年硕士论文

【摘要】：银行保险最早产生于法国,盛行于欧洲,银行保险在美国和欧洲地区的发展最为成熟。20世纪80年代出现了银行保险(Bancassurance)一词,作为一种全新的保险销售渠道,银行保险兼顾了客户、银行、保险公司三方利益,对客户来说,能够实行需求的一站式购买需求,银行保险能够帮助保险公司拓宽销售渠道,银行业也希望能够通过增加销售产品种类—银行保险产品,获得额外的中间业务收入。在目前金融混业经营趋势下,银行保险是银行和保险行业合作和融合的必然产物。本文从分析银行保险产生的历史背景出发,结合典型国家银行保险的发展历程,总结可供我国借鉴学习的经验教训。共分为五个部分：第一部分：绪论及本文的选题意义。主要介绍银行保险的基本概念、本文选题的角度和意义分析,总结国内外主流的银行保险的观点,介绍本文的研究方法及结构。银行保险产生于欧洲,起步于20世纪90年代,短短的十几年的发展,经历了启动、快速发展、相对规范发展三个阶段。本文的选题主要从国内外的银行保险发展入手,分析发达国家、发达地区的成功经验,对我国的银行保险发展提出几点建议。第二部分：介绍了银行保险的起源和内涵,将银行保险的发展分为四个阶段,即萌芽阶段、兴起阶段、发展阶段、成熟阶段。从经济学理论中的规模经济、范围经济、协同效应、制度创新理论分析银行保险的产生、兴起和特点。银行保险合作的模式分为四种：分析协议模式、战略联盟模式、合资公司模式、金融集团化模式。这四种模式各有优劣,各国需选择适合当前国情的发展模式才能取得银行保险发展的成功。第三部分：国外及香港地区银行保险典型案例分析。可以看出,银行保险在不同国家、地区的发展都有其特色。法国作为银行保险的起源地,其银行保险一体化的水平也很高,法国的银行保险发展监管环境较宽松、产品有针对性、经营模式多样化；美国的银行保险起步较晚,但他是通过银行保险发展、促进金融业从分业经营向混业经营制度变迁的典型案例；香港地区的银行保险发展极具地方特色,在合作模式、产品特色、等各方面都实行了本土化策略；这三个典型地区的银行保险发展给我国银行保险的发展提供了可借鉴的宝贵经验。第四部分：对我国的银行保险现状做了概述。将我国的银行保险发展分为四个阶段,目前正处在银行保险发展的恢复成长性阶段。我国的银行保险的特点为：监管机制不到位、银行的主动优势明显、银行保险产品结构不合理、多重合作模式并存。笔者从中国工商银行和新华保险的案例入手,分析其取得银行保险业务成功的经营,认为我国的银行和保险公司希望在银行保险这一领域取得发展,需选择适合自身的发展策略,对银行保险的定位清晰准确。在此基础上,本部分还提出了我国银行保险发展存在的一系列问题,例如银行保险产品销售的不规范性、手续费的违规操作、缺乏有力的技术支撑、缺乏专业的银行保险人才、银行保险产品税收无优惠等。第五部分：结合国外经验和我国国情,对监管环境、合作模式、具体措施等方面都提出了相应的对策建议。从监管环境来看,需要完善我国的银行保险法律制度,防止出现监管的真空地带；消费者也需要树立科学、合理的保险消费观念,政府和保险行业需要担负起引导消费者正确保险消费观念的责任；在选择合作模式方面,应该鼓励多种合作模式并存,银行和保险公司可以根据自身业务发展情况选择适合的合作模式；在银行保险的产品研发方面,希望能够做到产品差异化、功能个性化、生产合作化,满足客户的个性化需求；银行和保险都需要致力于培养高水平的复合型人才,保障银行保险产品的服务水平；大力发展信息技术,为银行保险发展提供技术支撑；银行和保险公司需要建立有效的合作激励制度,为合作的双赢打下坚实的基础。总体来看,我国银行保险自1995年开始,经历了十几年的发展,从发展速度和业务规模来看都在不断的进步,也有一些创新性的实践。我国目前处于银行保险发展的恢复成长性阶段,同时银行和保险公司的合作处于松散的协议分销模式。我国的银行保险市场发展迅速,但还存在着一些不尽如人意的地方,例如监管体系的不完善、人才结构不合理、银行保险产品结构不合理等等。这些问题在很大程度上阻碍了我国银行保险的发展,也在一定程度上引发了客户对银行保险产品的反感。我国目前处于银行保险发展的初级阶段,要想取得长足的发展,需借鉴其他国家地区已有的成功经验,并结合我国实际情况,探索一条具有我国特色的发展道路,才能促进我国银行保险行业健康有序的发展。本文从我国银行保险目前的实际情况出发,总结发达地区银行保险发展经验教训,分析最新出台的银行保险新政,试图对我国银行保险存在的问题提出若干有针对性的建议。
[Abstract]:The bank insurance was first produced in France, prevailing in Europe, the most mature development of bank insurance in the United States and Europe, the word "Bancassurance" appeared in the 80s.20 century. As a brand new insurance sales channel, the bank insurance takes into account the three parties' interests of customers, banks and insurance companies. In order to demand the one-stop purchase demand, the bank insurance can help the insurance companies widen the sales channels, and the banking industry also hopes to gain extra middle business income by increasing the types of sales products - bank insurance products. In the current financial mixed operation trend, the bank insurance is the inevitable product of the cooperation and integration of the banks and the insurance industry.
Based on the analysis of the historical background of the emergence of the bank insurance and the development course of the typical national bank insurance, this paper sums up the lessons that can be used for reference in our country. It is divided into five parts:
The first part: introduction and the significance of this article. It mainly introduces the basic concept of bank insurance, the angle and significance of this article, summarizes the main stream of bank insurance at home and abroad, and introduces the research method and structure of this article. The bank insurance came into Europe in 1990s, and has experienced a short decade of development. Starting, rapid development and relative standard development three stages. This paper mainly starts with the development of bank insurance at home and abroad, analyzes the successful experience of developed countries and developed regions, and puts forward some suggestions on the development of China's banking insurance.
The second part introduces the origin and connotation of the bank insurance, and divides the development of the bank insurance into four stages, namely, the germination stage, the rise stage, the development stage and the mature stage. From the economic theory of scale economy, scope economy, synergy effect, and system innovation theory, the emergence and characteristics of bank insurance are analyzed, and the cooperation of bank insurance. The model is divided into four types: the analysis of the agreement mode, the strategic alliance model, the joint venture model and the financial collectivization model. These four models have their own advantages and disadvantages, and each country needs to choose the development model suitable for the current national conditions to achieve the success of the development of the bank insurance.
The third part: the typical case analysis of the foreign and Hongkong area bank insurance. It can be seen that the development of the bank insurance has its own characteristics in different countries and regions. As the origin of the bank insurance, the level of the integration of the bank insurance is high, the regulatory environment of the development of the French banking insurance is relatively loose, the product is pertinent, and the management model is the model. The bank insurance in the United States started late, but he was a typical case of the change of the financial industry from separate operation to mixed operation through the development of the bank insurance. The development of the banking insurance in the Hongkong region has the local characteristics, and the localization strategy has been carried out in the cooperation model, the product characteristics and other aspects; the three typical areas have been implemented. The development of bancassurance has provided valuable experience for the development of Bancassurance in China.
The fourth part: the present situation of China's bank insurance is summarized. The development of China's bank insurance is divided into four stages, and it is at the stage of the recovery and growth of the development of the bank insurance. The characteristics of the bank insurance in China are that the regulatory mechanism is not in place, the active advantage of the bank is obvious, the structure of the bank insurance products is unreasonable, and the multiple cooperation is carried out. From the case of ICBC and Xinhua insurance, the author analyzes the successful operation of the bank insurance business from the case of ICBC and Xinhua insurance. It is believed that the banks and insurance companies in our country hope to develop in the field of bank insurance, and should choose their own development strategies, and the positioning of the bank insurance is clear and accurate. On this basis, this department is on the basis of this It also puts forward a series of problems in the development of China's bank insurance, such as the non standard of the sale of the bank insurance products, the illegal operation of the formalities, the lack of strong technical support, the lack of professional bank insurance personnel, and the no preferential tax on the bank insurance products.
The fifth part: according to the foreign experience and the national conditions of our country, we put forward the corresponding countermeasures and suggestions on the supervision environment, the mode of cooperation and the concrete measures. From the supervision environment, it is necessary to improve the legal system of our country's Bank Insurance and prevent the emergence of the vacuum zone of supervision; the consumer also needs to establish a scientific and reasonable concept of insurance consumption. The government and the insurance industry need to take the responsibility of guiding the consumer's correct insurance consumption concept. In the choice of cooperation mode, many cooperation modes should be encouraged to coexist. Banks and insurance companies can choose the suitable cooperative mode according to their own business development. In the field of product research and development of Bank insurance, we hope to achieve the product. The difference, the function individuation, the production cooperation, meets the customer's individualized demand; the bank and the insurance all need to develop the high level of compound talent, guarantee the service level of the bank insurance product; develop the information technology vigorously to provide the technical support for the development of the bank insurance; the bank and the insurance company need to establish effective cooperation The incentive system lays a solid foundation for win-win cooperation.
On the whole, China's banking insurance has been developing for more than ten years since 1995. From the speed of development and the scale of business, there are continuous progress and some innovative practice. At present, our country is in the stage of the recovery and growth of the development of the bank insurance, and the cooperation between the bank and the insurance company is in a loose agreement distribution mode. The country's banking insurance market has developed rapidly, but there are still some unsatisfactory places, such as the imperfect supervision system, the irrational structure of talents, the irrational structure of the bank insurance products and so on. These problems have greatly hindered the development of China's banking insurance and, to a certain extent, caused the customer's insurance production to the bank. Our country is at the primary stage of the development of the bank insurance. In order to make great progress, we need to learn from the successful experience of other countries, and explore a road of development with our own characteristics in order to promote the healthy and orderly development of the insurance industry in our country.
Based on the current actual situation of China's bank insurance, this paper summarizes the experience and lessons of the development of the developed region bank insurance, analyzes the latest new policy of bank insurance, and tries to put forward some pertinent suggestions on the problems existing in China's banking insurance.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2;F842

【相似文献】