试论银保新规下我国银行保险的新发展

发布时间：2018-02-12 00:55

本文关键词： 金融一体化银保新规银行保险　出处：《辽宁师范大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着近年来银行保险业务在国内市场的快速发展，银行保险也引起了国内金融界和学术界的重视，银行保险市场也出现了一些误导销售、市场混乱的问题，因此银监会保监会联合发布了一系列的新规定来规范银行保险市场，银行保险在我国应该选择什么样的发展道路成为国内银行界和保险界的新问题。本文采用了比较分析法，通过对相关文献资料和数据的调查研究，主要阐述了银行保险、银保新规、国内银行保险的发展状况以及国外银行保险市场的经验借鉴，论证了目前国内银行保险存在的问题以及银保新规出台后对国内银行保险市场的影响，从而试找在银行新规出台后中国银行保险的发展方向和出路。银行保险的内涵有广义和狭义之分，而本文所讨论的银行保险主要为狭义的银行保险，说明银行保险产生的时间背景以及产生的原因，，主要是因为人口比例结构、经济结构和消费者的需求变化而产生的，银行保险的本质实际上是一种金融一体化下银行和保险混合创新的产物。本文第一部分主要阐述了我国银行保险市场目前的发展状况，国内银行保险发展的历程和特点，指出我国银行保险存在的问题，如产品、技术水平、人员素质和社会制度环境问题；第二部分主要阐述了银保新规出台的背景和深层次的影响，说明了银保新规的出台短期内对银行保险市场冲击的影响以及长期对规范市场的利好影响；第三部分主要通过分析国外银行保险市场的发展历程和合作模式，以及纵观国际上银行保险的发展趋势，从而得出国内发展银行保险可以借鉴的经验；第四部分主要探讨了针对目前中国银行保险的问题，以及银保新规出台的背景下，应该从创新银保产品、提高银保工作人员素质、发展深度合作模式、提高技术水平和加强监管落实五个方面做出努力，以促进和改善银行保险市场，让银行保险健康迅速的发展起来。
[Abstract]:With the rapid development of the bancassurance business in the domestic market in recent years, bancassurance has also aroused the attention of the domestic financial and academic circles, and the bancassurance market has also appeared some misguided sales and market confusion problems. Therefore, the CBRC has jointly issued a series of new regulations to standardize the bancassurance market. What kind of development path should be chosen for bancassurance in China has become a new problem for domestic banks and insurers. Through the investigation and research on the relevant literature and data, this paper mainly expounds the development of bancassurance, new rules of bancassurance, the development of domestic bancassurance and the experience of foreign bancassurance market. This paper demonstrates the problems existing in the domestic bancassurance and the influence on the domestic bancassurance market after the new bancassurance regulations are issued, and tries to find the development direction and the way out of the Chinese bancassurance after the new rules are issued. The connotation of bancassurance is divided into broad sense and narrow sense, and the bancassurance discussed in this paper is mainly a narrow sense of bancassurance, which explains the time background of bancassurance and the reasons, mainly because of the proportion of population. The nature of bancassurance is actually the result of the mixed innovation of banking and insurance under the financial integration caused by the change of economic structure and consumer demand. The first part of this paper mainly describes the current development of China's bancassurance market, the course and characteristics of the development of domestic bancassurance, points out the problems existing in China's bancassurance, such as products, technical level, etc. The second part mainly expounds the background and the deep influence of the new regulations. It explains the impact of the new bancassurance regulation on the bancassurance market in the short term and the long-term positive impact on the standardized market. The third part mainly through the analysis of the development of foreign bancassurance market and cooperation model. As well as the development trend of international bancassurance, the experience of domestic development bancassurance can be drawn. Part 4th mainly discusses the problems of China's bancassurance at present, and the background of new bancassurance regulations. In order to promote and improve the bancassurance market, we should make efforts in five aspects: innovating bank insurance products, improving the quality of bank insurance staff, developing the mode of deep cooperation, improving the technical level and strengthening supervision and implementation. Let the bank insurance health and rapid development.
【学位授予单位】：辽宁师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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