我国信用保险与银行保理业务合作发展研究

发布时间：2018-01-25 17:04

本文关键词： 信用保险保理业务信用体系　出处：《河北经贸大学》2014年硕士论文　论文类型：学位论文

【摘要】：当前世界经济增长迅速、金融行业竞争激烈，混业经营已然大势所趋。然而，目前中国的保险公司和商业银行合作的模式仍然处于较低水平，如何使我国银行保险的发展跃上一个新的水平，，这是一个重要的问题。而且，越来越多的中国贸易金融市场中的交易采用信用交易方式，并且正在逐步增加，信用保险和银行保理业务的合作与发展，对我国的经济贸易发展会有不可估量的作用。虽然，目前的信用保险和银行保理业务在中国已经得到了一定程度的政府和金融机构的重视，但发展速度、范围比欧洲发达国家仍然低，银行的保理业务与信用保险合作的市场份额还是较银行保险业务份额低。为帮忙治理保险公司与银行的深层次合作问题，也为促成我国金融业的成长，深入研究二者的更深层次合作发展显得很有必要。本文章主要对当前二者业务合作与发展中遇到的困难进行研究，并给出专业性的解决措施与建议，即加强金融立法和风险监管的完善、健全社会信用体系、政府加大对信用保险与银行保理业务的投入与支持力度、加强专业人才的培养力度。
[Abstract]:At present, the world economy is growing rapidly, the competition of financial industry is fierce, and the mixed operation has become the trend. However, the mode of cooperation between insurance companies and commercial banks in China is still at a low level. How to make the development of China's bancassurance to a new level is an important issue. Moreover, more and more transactions in China's trade finance market adopt credit transactions, and are gradually increasing. The cooperation and development of credit insurance and bank factoring will play an inestimable role in the economic and trade development of our country. At present, the credit insurance and bank factoring business in China has been paid attention to to a certain extent by the government and financial institutions, but the speed of development is still lower than that of the developed countries in Europe. The market share of bank factoring business and credit insurance cooperation is still lower than that of bancassurance business. In order to help manage the deep-level cooperation between insurance companies and banks, it also contributes to the growth of our financial industry. It is necessary to further study the deeper cooperation between them. This article mainly studies the difficulties encountered in the current business cooperation and development between the two, and gives professional solutions and suggestions. That is, strengthening the perfection of financial legislation and risk supervision, perfecting the social credit system, increasing the investment and support of the government in credit insurance and bank factoring, and strengthening the training of professional talents.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F842.682

【引证文献】