我国信用保险与银行保理的合作发展研究

发布时间：2018-10-30 13:53

【摘要】：随着全球经济和金融的迅速发展,越来越多的贸易活动采用了商业信用或者银行信用的交易方式。金融业有向混业经营发展的趋势,不同金融机构之间希望通过合作来扩大市场份额,提高经济效益。近年来,商业银行和保险公司在银保产品方面的合作发展非常迅速,商业银行正在寻求更多的贸易金融业务创新,保险公司也力图在信用交易中获得更多的保费收入。笔者认为,保险公司和商业银行可以在贸易方面进行更深的合作。信用保险和银行保理这两种业务之间既存在互补性又存在竞争性,如果能充分挖掘其合作可行性与方式,不仅能够提高商业银行和保险公司的盈利能力和竞争力,同时也能促进银保合作的进一步发展,推进金融机构向混业经营模式转变。目前,研究信用保险与银行保理之间合作问题的学者非常少,对两者的合作进行更深的理论分析和现实探讨,是一个非常重要的课题。本文在现有研究的基础上,论述了我国信用保险和银行保理的合作发展问题。本文的主要的结构如下：第一章导论,主要阐述了选题背景和意义,对现有文献进行整理分析,提出研究方案等；第二章论述了我国国内外贸易发展现状、金融混业经营发展现状、社会信用体系建设现状、信用保险和银行保理的发展及合作现状；第三章分析了制约我国信用保险与银行保理合作的障碍,如政府支持监督力度不够、信用交易不足、金融市场不完善、业务经营方面的不足、信用机制不完善、两者的竞争性、意识缺失等；第四章从多个角度对我国信用保险与银行保理进一步合作发展的必要性和可行性进行了分析,一方面,从金融机构混业经营发展模式、中国经济贸易发展对两者的需求、商业银行的必然选择、发展保险业的需要等角度阐述了必要性,另一方面,从银行和保险公司合作意识增强,两者具有互补性,国外信用保险、银行保理以及银保合作等经验借鉴角度阐述了可行性；第五章设想了两者合作的多种方式和领域,如产品和业务创新方面、风险管理的合作以及其他合作等；第六章从国家政策、信用体制建设、银行和保险公司层面多个角度提出了相应的政策建议,以期促进信用保险和银行保理的合作发展。
[Abstract]:With the rapid development of global economy and finance, more and more trade activities adopt commercial credit or bank credit. The financial industry has the tendency to develop into mixed operation. Different financial institutions hope to expand market share and improve economic efficiency through cooperation. In recent years, the cooperation between commercial banks and insurance companies in the field of banking and insurance products has developed very rapidly. Commercial banks are seeking more innovation in trade and finance business, and insurance companies are also trying to obtain more premium income in credit transactions. The author believes that insurance companies and commercial banks can carry out deeper cooperation in trade. Credit insurance and bank factoring are both complementary and competitive. If we can fully tap the feasibility and mode of cooperation, we can not only improve the profitability and competitiveness of commercial banks and insurance companies. At the same time, it can promote the further development of bancassurance cooperation and promote the transformation of financial institutions to mixed operation mode. At present, there are few scholars who study the cooperation between credit insurance and bank factoring. Based on the existing research, this paper discusses the cooperative development of credit insurance and bank factoring in China. The main structure of this paper is as follows: the first chapter introduces the background and significance of the topic, analyzes the existing literature, and puts forward the research plan. The second chapter discusses the current situation of domestic and foreign trade development, the development of financial mixed operation, the construction of social credit system, the development and cooperation of credit insurance and bank factoring. The third chapter analyzes the obstacles that restrict the cooperation between credit insurance and bank factoring in China, such as insufficient government support and supervision, insufficient credit transaction, imperfect financial market, insufficient business operation, imperfect credit mechanism, and competition between the two. Lack of consciousness; The fourth chapter analyzes the necessity and feasibility of further cooperation between China's credit insurance and bank factoring from several angles. On the one hand, from the mode of mixed operation development of financial institutions and the demand of China's economic and trade development, The inevitable choice of commercial banks and the need to develop the insurance industry are expounded. On the other hand, from the perspective of the strengthening of the cooperation consciousness between banks and insurance companies, the two are complementary, foreign credit insurance, The feasibility of bank factoring and bancassurance cooperation is expounded. Chapter V envisages a variety of ways and areas of cooperation between the two, such as product and business innovation, risk management cooperation and other cooperation; The sixth chapter puts forward the corresponding policy suggestions from the aspects of national policy, credit system construction, banks and insurance companies, in order to promote the cooperative development of credit insurance and bank factoring.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2;F842.6

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