我国银保合作的模式及发展策略研究

发布时间：2018-06-17 18:53

本文选题：银行保险 + 现状　；参考：《山东大学》2012年硕士论文

【摘要】：近几年,金融行业竞争加剧,欧元区的出现也加速了全球金融一体化的发展。我国随着金融改革的不断推进,也出现了金融行业混业经营的趋势。在金融行业的混业经营中,银行业与保险业的融合尤为为突出,这种融合的过程就是银保合作的过程。本文就是在这样的背景下,阐述银保合作的定义,通过案例总结分析我国银保合作的发展策略和模式,从中发现我国银保合作发展中存在的问题,并提供了解决方案。本文从渠道说、产品服务说和经营策略说三个方面从理论分析的基础上对银行保险的定义进行了阐述。同时,本文对于银行保险从萌芽、起步、成熟和后成熟四个阶段进行了论述,并对我国银行保险的发展动因进行了多角度分析。本文通过对国外主要国家的银保发展模式进行分析和比较,发现欧洲的银行业与保险业合作较早,最早起源于法国,随后在欧洲其他各国开始逐渐兴盛。法国银行保险行业的巨大成功,积极推动了整个欧洲银行与保险行业的深度整合,同时也促进了美国银行保险行业的发展。通过分析发现,国外银保行业的发展趋势都是从最初的简单银行代理模式向战略合作关系过渡,最终发展到股权合作模式。无论是交叉持股还是新设持股都促进了保险公司和银行企业的深度融合,也大大促进了银保渠道的健康发展。对于国内的银行保险合作模式的发展研究,本文主要选取工商银行、邮储银行、农业银行、建设银行以及平安保险集团等具有代表性企业的银保合作模式进行阐述和分析,展示了我国现阶段银保合作的主要模式及银保合作的发展。通过分析发现2008年之前我国的银保合作还处于以银行代理为主的浅层次合作的初级阶段,这个阶段基本采用的是“多对多”的合作模式。随着我国银保行业的不断发展,我国银保行业也开始与国际接轨,逐渐由简单的银行代理模式开始向股权合作模式发展。本文的最后指出我国现阶段银保合作还存在诸多问题：诸如竞争过于激烈、产品和销售模式过于单一等等,并针对现阶段我国银保合作中存在的问题提出了只有强化银保合作联盟,加强股权合作才是解决现阶段银保问题的办法。
[Abstract]:In recent years, competition in the financial sector has intensified, and the emergence of the euro zone has accelerated the development of global financial integration. With the development of financial reform in China, there is a trend of mixed operation in financial industry. In the mixed operation of financial industry, the integration of banking and insurance is particularly prominent, and the process of integration is the process of bancassurance cooperation. Under this background, this paper expounds the definition of bancassurance cooperation, summarizes and analyzes the development strategies and models of bancassurance cooperation in China through case studies, finds out the problems existing in the development of bancassurance cooperation in China, and provides solutions. This paper expounds the definition of bancassurance on the basis of theoretical analysis from three aspects: channel theory, product service theory and management strategy theory. At the same time, this paper discusses the four stages of bancassurance from germination, start, maturity and post-maturity, and analyzes the development motivation of bancassurance in China from various angles. Based on the analysis and comparison of the development models of bancassurance in major foreign countries, it is found that the cooperation between banking and insurance in Europe was earlier, originated in France, and then began to flourish in other European countries. The great success of the French bancassurance industry has actively promoted the deep integration of the European banks and the insurance industry as well as the development of the American bancassurance industry. Through analysis, it is found that the development trend of foreign banking and insurance industry is from the initial simple bank agent model to the strategic cooperative relationship, and finally to the equity cooperation mode. Both cross-shareholding and new shareholding promote the deep integration of insurance companies and banking enterprises, and also greatly promote the healthy development of the channel of Bancassurance. For the development of domestic bancassurance cooperation model, this paper mainly selects ICBC, Postal savings Bank, Agricultural Bank, China Construction Bank, Ping an Insurance Group and other representative enterprises to elaborate and analyze the bancassurance cooperation model. It shows the main mode and the development of the bancassurance cooperation at present in our country. It is found that the cooperation between banks and insurance companies in China before 2008 is still in the initial stage of shallow cooperation with bank agents, which basically adopts a "many-to-many" mode of cooperation. With the continuous development of China's banking and insurance industry, China's banking insurance industry has begun to connect with the international, gradually from the simple bank agent model to the equity cooperation model. At the end of this paper, we point out that there are still many problems in the cooperation of bank and insurance in our country at the present stage, such as the competition is too fierce, the product and sales mode is too single, etc. Aiming at the problems existing in the current cooperation between the banks and insurance companies in our country, this paper puts forward that only strengthening the cooperation alliance of the banks and insurance companies and strengthening the equity cooperation are the solutions to the problems of the banks and insurance companies at the present stage.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F842.4;F832.2

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