股权融合视角下我国银行保险业发展和策略研究

发布时间：2018-03-19 23:34

本文选题：股权融合　切入点：我国　出处：《福州大学》2014年硕士论文　论文类型：学位论文

【摘要】：银行代理保险业务(简称银行保险)起源于欧洲。迄今已成为全球性的金融现象,也是世界寿险业最重要的保费来源,是金融创新领域的一支新贵。进入21世纪的前十年是中国银行保险业发展的黄金十年,2010年全国在银行渠道代理销售的保险保费收入突破5000亿元、占据当年寿险新单保费的50%以上。国内的主要商业银行和几乎全部保险公司对银行保险业务投入高度重视。但金融危机以来受宏观调控、货币紧缩、资本市场回调和监管政策趋紧等多重因素影响,银行保险遭遇增速减缓、竞争加剧、成本攀升、产品吸引力下降等诸多问题,行业被动进入调整期。作为银行保险从业者,笔者注意到无论是监管部门还是银行业、保险业均在努力通过各种方式,寻找适合国内的银行保发展之路。股权融合在银行保险发展的各种模式中成为很多银行和保险公司尝试的新模式。那么在股融合的情况下银行保险未来将如何发展?作为市场参与主体保险公司和银行的战略应如何调整?作为监管机构应如何引导和扶持行业发展?因此笔者试图从行业历史沿革、竞争现状和趋势、国外发达市场成功经验的分析,为了促进银行保险的深入发展,笔者通过对股权融合的银行保险进行理论实证,做了相应的策略研究,并提出了相关的建议。论文首先通过对银行保险发展的基本现状的介绍,阐述了股权融合下的银行保险发展的意义及研究方法。第二章介绍了银行保险发展的基本理论、战略联盟理论,为本文的研究提供理论依据；第三章通过分析我国银行保险发展的现状和存在问题,指出股权融合的模式是现阶段我国银行保险的发展模式的关键。第四章通过对我国国内银行和保险公司的股权融合的现状的介绍和案例分析,指出股权融合对是现阶段银行保险发展推动的作用。第五章利用SWOT分析方法对我国股权融合下银行保险进行战略层面的分析并提出相应的解决策略。本论文的突出特点在于：一是以保险从业者的视角结合监管机构、银行观点,分析国内外银行保险市场的历史沿革；二是资料、信息和数据比较翔实全面,特别是发达市场的成功经验、国内市场的最新数据具备一定参考价值和实用性。三是本文对中国平安的股权融合案例分析,总结股权融合是未来银行保险重要发展方向之一。诚然,本文研究的方面还有诸多不足,例如中国金融业结构有其独特性及监管政策的特殊之处,过去十年来国内银行保险的发展也证明了国外经验未必完全适用于中国。本文的写作目的在于交流、探讨提出建议,期望能够为行业持续健康发展贡献一己之力。
[Abstract]:The bancassurance agency business (bancassurance) originated in Europe. So far, it has become a global financial phenomenon and the most important source of insurance premiums in the world's life insurance industry. The first decade of 21th century was a golden decade for the development of the insurance industry of the Bank of China. In 2010, the insurance premium income of the country's agency sales in banking channels exceeded 500 billion yuan. Accounting for more than 50% of the new life insurance premiums of that year. Major domestic commercial banks and almost all insurance companies attach great importance to the bancassurance business. But since the financial crisis, they have been subject to macro-control and monetary tightening. There are many factors, such as the capital market correction and the tightening of the regulatory policy, and so on. The bancassurance suffers from a slow growth rate, increased competition, rising costs, declining product attractiveness, and so on. The industry passively enters the adjustment period. As a bancassurance practitioner, The author notes that the insurance industry is trying to get through a variety of ways, both in the regulatory sector and in the banking sector. To find a suitable way for the development of banking insurance in China. Equity integration has become a new model for many banks and insurance companies in the various models of the development of bancassurance. So how will the future of bancassurance develop in the case of stock convergence? How to adjust the strategy of insurance companies and banks as the main body of market participation? How to guide and support the development of the industry as a regulatory body? Therefore, the author tries to analyze the history of the industry, the current situation and trend of competition, the successful experience of foreign developed markets, in order to promote the further development of bancassurance, the author carries on the theoretical demonstration to the stock right fusion bancassurance. At first, the paper introduces the basic status of the development of bancassurance. The second chapter introduces the basic theory of the development of bancassurance and the theory of strategic alliance, which provides the theoretical basis for the research of this paper. The third chapter analyzes the current situation and existing problems of the development of China's bancassurance. It is pointed out that the mode of equity convergence is the key to the development of China's bancassurance at the present stage. Chapter 4th introduces the present situation of equity convergence of domestic banks and insurance companies and analyzes the cases. It is pointed out that equity convergence is the driving force of the development of bancassurance at the present stage. Chapter 5th uses SWOT analysis method to analyze the strategic level of bancassurance under equity convergence in China and puts forward the corresponding solutions. The main features are as follows: first, it combines the regulatory agencies with insurance practitioners' perspective. From the perspective of banks, to analyze the historical evolution of the domestic and foreign bancassurance market; second, to have more comprehensive data, information and data, especially the successful experiences of developed markets. The latest data of the domestic market have certain reference value and practicability. Thirdly, this paper analyzes the case of China Ping an's equity convergence, and summarizes that equity integration is one of the important development directions of the future bancassurance. For example, the structure of China's financial industry is unique and the regulatory policy is unique. The development of domestic bancassurance over the past ten years has also proved that foreign experience may not be fully applicable to China. The purpose of this paper is to exchange ideas and make suggestions in the hope of contributing to the sustained and healthy development of the industry.
【学位授予单位】：福州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3

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