基于系统视角的银行业与保险业协同发展研究

发布时间：2018-03-15 11:22

本文选题：银行业　切入点：保险业　出处：《中南大学》2014年博士论文　论文类型：学位论文

【摘要】：摘要：作为金融部门的主要组成部分,银行业与保险业产业资源在金融功能方面存在相似性和互补性,从而决定了产业间存在复杂的竞争与合作关系。以保险分销为主的银行保险业务是目前我国银行业与保险业合作的主要内容,但是这种合作并没有最大程度有效整合两大产业资源,最大化实现银行业与保险业间金融协同效应。随着保险新规的出台,以保险分销的银行保险业务急剧萎缩,银行业与保险业间合作因先前浅显的合作形式陷入发展瓶颈。如何实现银行业与保险业在产业资源方面实现有效的整合,最大程度实现协同发展,依然是一个值得深入研究的课题。银行业与保险业间竞争和合作是其产业资源整合的实现方式,两种不同性质的作用使得产业间存在非线性作用,从而具有形成复合系统的作用基础。本文从系统视角对我国银行业与保险业协同发展进行研究,进而探索寻求提高我国银行业与保险业产业资源整合效率,实现产业协同发展的途径。本文主要围绕以下几个方面内容开展研究工作：运用系统论构建了我国银行业与保险业协同发展的理论框架。首先基于银行业与保险业复合系统要素经济功能对银行业子系统与保险业子系统间作用进行讨论；然后依据自组织理论对银行业与保险业复合系统的自组织特征进行全面分析；最后从内涵、特征、目标、内容、运行框架、经济效应等方面分析了银行业与保险业协同发展的机理。银行业与保险业间作用关系是两者所构成的复合系统协同演化的内在动力。为论证两产业间作用存在及其现状,运用基于bootstrap改进的检验方法和滑动窗口方法分别对我国银行与保险间短期作用关系及其动态特征进行实证分析。构建了以银行与保险作为金融部门的经济增长模型,利用该模型对我国银行业与保险业相互间所存在的替代和互补关系进行实证分析。实证表明我国银行业与保险业间存在短期因果关系,人身保险和财产保险与银行间累积作用性质存在差异且随时间发生结构性变化,人身保险和财产保险与银行信贷间替代和互补关系区域差异化特征明显。作为研究对象,银行业与保险业复合系统本质上是由银行业子系统与保险业子系统耦合而成的复杂性系统。为研究复合系统耦合和协同现状,基于系统论方法构建了各子系统所对应的序参量,然后分别采用耦合协调度和协同度对银行业系统与保险业系统良性耦合程度和相互促进程度进行测度及分析。分析结果表明银行业与保险复合系统内子系统间耦合程度较高,但是良性耦合程度较低,且相互促进的协同程度较低。协同演化是银行业与保险业协同发展的实现方式。运用系统协同理论深入分析了银行业与保险业复合系统协同演化机制,构建了考虑系统间滞后影响和重大经济事件的复合系统动态协同演化模型,并对模型的稳定性进行分析。基于省际面板数据,利用基于动态邻居和局部搜索的粒子群算法,对模型参数进行估计,同时根据估计结果对我国银行业与保险业系统协同演化状况进行深入探讨。最后,通过构建基于记忆性分数阶导数的银行业与保险业复合系统模型对各子系统有序度进行预测。协同演化分析结论表明,我国银行业系统与保险业系统有序度水平不断提升但进化缓慢,两系统间虽然存在竞争代替关系但依然处于协同进化状态。子系统有序度预测结果表明,银行业子系统和发展环境子系统有序度逐年递增,而保险业子系统有序度将会出现下降。银行业与保险业协同发展是一个评价、调整、再评价、再调整周而复始的过程。从目的和内容两个方面深入探讨银行业与保险业系统协同发展评价的内涵,构建了银行业与保险业系统协同发展评价方法,并运用所构建的评价方法对当前我国银行业与保险业系统协同发展效率现状进行评价,为我国银行业与保险业系统协同发展路径的改进和选择提供了依据。结论表明我国大部分省域银行业与保险业系统协同发展处于非协同有效且非发展有效的状态。根据银行业与保险业协同发展的运行机理及实证结果,分别从扩大银行业与保险业复合系统主体间作用、推动银行业与保险业协同发展系统有序化、优化银行业与保险业协同发展的组织模式、完善银行业与保险业协同发展外部环境四个方面向产业主体及政府提出加速我国银行业与保险业协同发展的对策建议。建议中指出可以通过积极开展信贷与保险复合型金融产品创新、建立合理有效的利益分配机制、健全产业主体合作信息共享机制、加强产业间资本合作四个方面实现银行业与保险业复合系统主体间作用,通过正确定位产品协同创新方向、规范产品市场秩序、提高银行保险复合金融产品消费意识可以推动银行业与保险业协同发展系统有序化,通过构建基于产品创新的战略联盟合作模式和清晰的产业协同发展组织结构可以优化银行业与保险业产业发展的组织模式,通过从税收、监管、法律三个方面改善银行业与保险业协同发展的系统外部环境。
[Abstract]:Abstract: as the main part of the financial sector, banking and insurance industry resources are similar and complementary in the financial function, which determines the existence of the relationship between competition and cooperation between industries. With complex insurance distribution based bank insurance business is the main content of China's banking and insurance cooperation, but this is not the greatest degree of effective integration of the two industry resources, realize the insurance and banking financial synergy effect maximization. With the introduction of new regulations on insurance, insurance distribution of bank insurance business rapidly, banking and insurance cooperation due to previous simple forms of cooperation in the development of the bottleneck. How to realize the banking and the insurance industry to achieve the effective integration of resources in the industry, achieve the greatest degree of coordinated development, is still a topic worthy of in-depth study of banking and insurance industries. Between competition and cooperation is the way to realize the integration of industry resources, two kinds of different properties due to the effect of nonlinear interaction between the industry, which has the role of composite foundation system. This article conducts the research from the perspective of the system of China's banking industry and the insurance industry collaborative development, and seek to improve China's banking and insurance industry the industrial efficiency of resource integration, ways to realize the coordinated development of the industry.
This paper focuses on the following aspects of the research work:
The use of systems theory to build a theoretical framework of China's banking industry and the insurance industry collaborative development. Firstly, the banking system and insurance system of elements of complex system of banking and insurance industry based on economic function; then on the basis of self self organizing feature of the banking industry and the insurance industry composite system organization theory comprehensive analysis; finally from the connotation, characteristics, objectives, contents, framework, mechanism of economic effect and other aspects of the banking and insurance industry collaborative development.
Banking and insurance industry interaction relationship is the inherent power co evolution system composed of a composite of the two. In order to demonstrate the two industry interaction and its status quo, using test method and sliding window method based on improved bootstrap respectively to make an empirical analysis on China's banking and insurance between short-term relationship and dynamic characteristics of construction of the bank. With insurance as a model of economic growth in the financial sector, using an empirical analysis of the model of China's banking industry and the insurance industry between the existence of alternative and complementary relationship. Empirical evidence shows that short-term causal relationship exists in China's banking industry and the insurance industry, life insurance and property insurance and bank accumulation properties and the differences structural changes over time, life insurance and property insurance and bank credit between alternative and complementary characteristics of the relationship between regional differences are significant.
As the research object, the nature of insurance and banking system is a complex system composed of composite coupling banking subsystem and subsystem and the insurance industry. For the study of complex system coupling and cooperative situation, based on system theory to construct the order parameters corresponding to each subsystem, then using the coupling coordination degree and coordination the benign coupling degree of the banking system and insurance system and promote each degree of measurement and analysis. Analysis results show that the composite system of banking and insurance sub system coupling degree is high, but the benign coupling degree is low, and the mutual promotion of the low level of coordination.
Co evolution is the banking and insurance industry collaborative development implementation. The in-depth analysis of the mechanism of co evolution of insurance and banking system by applying the theory of composite collaborative system, constructs a composite system considering the dynamic lag between impact and major economic events co evolution model, and the stability of the model were analyzed. Based on the inter provincial panel data. The use of dynamic neighborhood and local search based on particle swarm algorithm, the model parameters were estimated according to the estimated results of China's Insurance and banking system in co evolution are discussed. Finally, through the construction of the memory of the fractional derivative insurance and banking complex system model of each subsystem in order to forecast based on the co evolution. The results indicate that the order of the level of China's banking system and insurance system constantly improve but slow evolution, two-line system Though there is competition substitution relationship, it is still in a co evolution state. The prediction results of subsystem order degree indicate that the order degree of banking subsystem and development environment subsystem increases year by year, while the order degree of insurance subsystem will decrease.
Banking and insurance industry is a joint development evaluation, adjustment, evaluation, and then adjust the cycle of the process. Further discussion on connotation of evaluation of the cooperative insurance and banking system development from the two aspects of the purpose and content, construct the evaluation method of the coordinated development of insurance and banking system, and the bank of China industry and insurance industry evaluation system collaborative development efficiency evaluation method of application, provide the basis for China's banking industry and the insurance industry collaborative system improvement and choice of development path. Results show that most of China's provincial insurance and banking system synergetic development in non effective and non effective collaborative development.
According to the operation mechanism of the coordinated development of the banking industry and the insurance industry and the empirical results, respectively, from the expansion of the main body of the banking and insurance industry composite system interaction, promote the coordinated development of insurance and banking system orderly and the organization mode of the collaborative development of optimization of banking and insurance industry, countermeasures and suggestions to perfect the banking and insurance cooperation four aspects of the external environment of the development of the industry to the main body and the government proposed to accelerate China's banking and insurance industry collaborative development. Suggestions that can actively carry out credit insurance and complex financial product innovation, establish a reasonable profit distribution mechanism effectively, improve the industrial cooperation information sharing mechanism, realize the insurance and banking system composite body the interaction between the four aspects of strengthening capital cooperation between the industry, collaborative innovation direction through the correct positioning of products, standardize the product market order, improve the bank insurance compound The sense of financial products can promote consumer banking and insurance industry collaborative development system orderly, through constructing the organization mode of product innovation cooperation mode of strategic alliance and clear the development of industry organization structure can develop industry optimization based on Banking and insurance, through tax, regulatory system, the external environment three aspects to improve the banking law with the insurance industry collaborative development.

【学位授予单位】：中南大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：F832.3;F842

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