香港人身保险的发展及其对境内保险的借鉴

发布时间：2018-04-18 00:14

本文选题：人身保险 + 香港　；参考：《对外经济贸易大学》2017年硕士论文

【摘要】：近年来,随着海内外保险业务范围的逐渐扩大,国内保险业发展增速显著。但是伴随改革开放的进一步加深,国内人身保险行业面对来自海外市场的逐步渗透,也面临着严峻的形势和挑战。尤其是自“811”汇改以来,人民币出现持续贬值,在这样的形势下,香港人身保险兼具保障功能、美元资产配置功能以及税务筹划功能的特点,成为境内投保人竞相追逐的优质海外投资标的。本文首先从总体上分析了人身保险的相关理论。其次,以香港人身保险的发展为切入点,将之与境内人身保险对比,从而发现境内人身保险现存的问题。最终得出结论,并提出可行性建议。香港人身保险发展历史悠久,具备相对完善的监管制度。首先,主要体现在立法对人身保险公司偿付能力要求较低,有严格的市场准入制度,对于部分违法行为上升至刑事责任的高度,以及中介监管从“自律”走向“他律”的监管侧重等方面。其次,近些年,香港人身保险公司开始打造“合资公司”、“金融服务集团”的保险高级发展模式,这种模式高度依赖于银行及保险公司对合作利益理性追求的“满意度”。境内虽然明确分业经营的金融发展模式,但各家银行也纷纷开始以收购人身保险公司的方式将银保合作逐渐向混业经营靠近。本文将以中国银行收购中航三星人寿保险公司为例进行深入分析和探讨。最后通过本文的系统性分析,提出境内发展人身保险的可行性建议,包括进一步完善立法和监管制度,加强银保深入合作,提升服务水平,让产品更加简单而丰富,这些才是调整境内人身保险行业供给侧的立足之本,也是维护境内人身保险市场秩序的有力保障。
[Abstract]:In recent years, with the gradual expansion of insurance business at home and abroad, the domestic insurance industry growth is remarkable.However, with the further deepening of reform and opening up, the domestic life insurance industry is facing the gradual penetration from overseas markets, but also facing severe situation and challenges.In particular, since the "811" exchange rate reform, the RMB has continued to depreciate. Under such circumstances, Hong Kong's personal insurance has the characteristics of both protection function, US dollar asset allocation function and tax planning function.Become the domestic policy-holders chasing the quality of overseas investment target.At first, this paper analyzes the related theories of personal insurance in general.Secondly, taking the development of Hong Kong personal insurance as the starting point, contrasting it with domestic personal insurance, this paper finds out the existing problems of domestic personal insurance.Finally, a conclusion is drawn and some feasible suggestions are put forward.Hong Kong has a long history of personal insurance development, with a relatively perfect regulatory system.First of all, it is mainly reflected in the low requirements of legislation for the solvency of life insurance companies, the strict market access system, and the rise of some illegal acts to the height of criminal liability.And intermediary supervision from "self-discipline" to "heteronomy" regulatory emphasis.Secondly, in recent years, Hong Kong personal insurance companies began to build "joint ventures", "financial services group" insurance advanced development model, which is highly dependent on the banks and insurance companies to the interests of the rational pursuit of "satisfaction."Although the domestic financial development model of separate operation is clear, banks have also begun to purchase life insurance companies to gradually close to the mixed operation of bancassurance cooperation.This paper will take Bank of China's acquisition of Air China Samsung Life Insurance Company as an example to conduct in-depth analysis and discussion.Finally, through the systematic analysis of this paper, the author puts forward some feasible suggestions for the development of life insurance in China, including further improving the legislation and supervision system, strengthening the cooperation of the bank and insurance companies, enhancing the service level, and making the products more simple and rich.These are the base of adjusting the supply side of domestic personal insurance industry, and also the strong guarantee of maintaining the order of domestic personal insurance market.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.62

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