银保合作服务实体经济发展模式研究

发布时间：2018-03-02 06:42

本文关键词： 银保合作实体经济保证保险贷款　出处：《财经问题研究》2013年12期 　论文类型：期刊论文

【摘要】：本文在分析银保合作服务实体经济的方式和内容的基础上,论述了银保合作对中小企业融资问题的解决、文化产业与科技企业的支持、"三农"金融和民生金融等领域的服务模式以及面临的问题和矛盾,通过对银行贷款和保险赔付两个服务实体的指标进行协整检验、格兰杰检验和脉冲响应分析,研究了银行业与保险业服务实体经济的宏观一致性与相互影响,验证了银行贷款对于保险赔付的短期冲击和长期因果效应的显著性,最后以典型的贷款履约保证保险为例分析了银保合作服务实体过程中的博弈过程和利益风险分配机制,并提出了政府支持、银保协作和企业安排等政策建议。
[Abstract]:On the basis of analyzing the ways and contents of bancassurance cooperation to serve the real economy, this paper discusses how to solve the financing problem of small and medium-sized enterprises by bancassurance cooperation. With the support of the cultural industry and scientific and technological enterprises, the service models in the fields of agriculture, rural areas and people's livelihood finance, as well as the problems and contradictions faced by them, the co-integration tests are carried out on the indicators of the two service entities, such as bank loans and insurance indemnities. Granger test and impulse response analysis are used to study the macro consistency and interaction between the real economy of banking and insurance services, and to verify the significance of short-term impact and long-term causal effect of bank loans on insurance claims. Finally, taking the typical loan performance guarantee insurance as an example, the paper analyzes the game process and benefit risk allocation mechanism in the process of bancassurance cooperative service entity, and puts forward some policy suggestions such as government support, bancassurance collaboration and enterprise arrangement.
【作者单位】：中央财经大学金融学院;中国工商银行总行;中国农业银行北京市分行;
【基金】：国家自然科学基金项目“中小企业金融服务与金融体系变革——国际比较与中国实践”(71173247)
【分类号】：F832.33

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