农业银行山西省分行银行保险业务发展策略
发布时间：2018-10-08 12:29
【摘要】：银行保险(Bancassurance)最简单的理解就是银行和保险业务的相互融合，促使这种新型金融现象出现的原因是经济一体化所带来的巨大压力，迫使银行和保险公司双方努力寻求一种可以更好的促使自身业务发展的模式，这种融合在很大程度上是经济发展一定程度后必然出现的现象。欧美国家的经济发展相对于中国来讲是处于超前的状态，这就促使了其银行保险的发展也是比较新颖和独特的，，我国的银行保险起步晚但是发展还是比较迅速的，我国银行保险应该在自身的发展模式上再结合先进的经验总结出属于自己的银行保险业务发展道路。中国农业银行是四大国有银行中最早进入保险领域的，也是发展势头比较迅猛的，虽然如此但是在发展中所存在的问题也是显而易见的，对于以后如何在如此竞争的金融环境中进行发展，这些研究是有必要的。只有更好的学习和总结才有助于进行深层次的探讨和研究。 本文以农行山西省分行代理保险业务为研究对象，运用经济学、货币银行学、保险学和营销学等理论知识来指导研究，充分利用国外的一些发展的理论和经验来指导我国银行保险的发展，同时在研究方法上主要通过比较归纳法、理论联系实际、实证分析等多种分析手法对农行山西省分行代理保险业务的情况进行分析研究，揭示制约山西农行银保业务发展的症结所在，并对其银保业务提出相应的发展策略。
[Abstract]:The simplest understanding of bancassurance (Bancassurance) is the mutual integration of banking and insurance business. The reason for the emergence of this new financial phenomenon is the tremendous pressure brought by economic integration. Forcing both banks and insurance companies to seek a better way to promote their own business development, this integration is to a large extent an inevitable phenomenon after a certain degree of economic development. Compared with China, the economic development of European and American countries is in a state of advance, which promotes the development of its bancassurance, which is also relatively new and unique. Our country's bancassurance started late but developed rapidly. China's bancassurance should combine its own development model with advanced experience to sum up its own development path of bancassurance business. The Agricultural Bank of China was the first of the four major state-owned banks to enter the insurance field, and the momentum of development is relatively rapid. However, the problems that exist in the development are also obvious. These studies are necessary for how to develop in such a competitive financial environment in the future. Only better study and summary can help to carry on the deep level discussion and research. This paper takes the agent insurance business of Agricultural Bank of Shanxi Province as the research object, and applies the theoretical knowledge of economics, monetary banking, insurance and marketing to guide the research. Make full use of some developing theories and experiences of foreign countries to guide the development of China's bancassurance. At the same time, in the research methods, mainly through comparative induction, theory is combined with practice. This paper analyzes and studies the situation of the agent insurance business of Agricultural Bank of Shanxi Province, reveals the crux of restricting the development of the bank insurance business of Shanxi Agricultural Bank, and puts forward the corresponding development strategy for the bank insurance business of Agricultural Bank of China.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2
本文编号：2256752
[Abstract]:The simplest understanding of bancassurance (Bancassurance) is the mutual integration of banking and insurance business. The reason for the emergence of this new financial phenomenon is the tremendous pressure brought by economic integration. Forcing both banks and insurance companies to seek a better way to promote their own business development, this integration is to a large extent an inevitable phenomenon after a certain degree of economic development. Compared with China, the economic development of European and American countries is in a state of advance, which promotes the development of its bancassurance, which is also relatively new and unique. Our country's bancassurance started late but developed rapidly. China's bancassurance should combine its own development model with advanced experience to sum up its own development path of bancassurance business. The Agricultural Bank of China was the first of the four major state-owned banks to enter the insurance field, and the momentum of development is relatively rapid. However, the problems that exist in the development are also obvious. These studies are necessary for how to develop in such a competitive financial environment in the future. Only better study and summary can help to carry on the deep level discussion and research. This paper takes the agent insurance business of Agricultural Bank of Shanxi Province as the research object, and applies the theoretical knowledge of economics, monetary banking, insurance and marketing to guide the research. Make full use of some developing theories and experiences of foreign countries to guide the development of China's bancassurance. At the same time, in the research methods, mainly through comparative induction, theory is combined with practice. This paper analyzes and studies the situation of the agent insurance business of Agricultural Bank of Shanxi Province, reveals the crux of restricting the development of the bank insurance business of Shanxi Agricultural Bank, and puts forward the corresponding development strategy for the bank insurance business of Agricultural Bank of China.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2
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