中国保险业与其他金融机构跨行业合作探索

发布时间：2018-04-22 13:36

本文选题：保险发展 + 金融合作　；参考：《上海交通大学》2013年硕士论文

【摘要】：中国保险业从1949年起步，，走过了一条曲折艰辛和快速发展的道路。保险业的快速发展有几个标志，一是1992年美国友邦保险在中国引进了保险代理人（保险营销员）制度；二是1999年开始的保险业和银行业的合作，以及保险创新产品分红型保险和投资连结保险的诞生；三是2003年保险资产管理公司的成立；四是2005年开始试行的企业年金制度。这些标志性事件，大部分都是和其他金融机构合作产生的。在快速发展的同时，保险业也存在着许多问题：市场规模偏小、保险功能及作用还没有充分发挥、市场竞争不够充分，特别是保费收入快速增长与资金运用收益偏低的矛盾愈来愈集中。未来要解决以上问题，除了行业自身的不断检讨和强身健体以外，在现有环境和政策背景下，继续加大和其他金融机构的合作是中国保险业做强做大的必然趋势。金融机构的跨行业合作，可以给保险业带来了非常多的机会：保险产品和保险资产管理产品的研发能力会得到加强、营销渠道和投资渠道会得到拓宽和开放、保险资金和委托资金的投资运作能力会得到大幅提升。特别是在新形势下，随着泛资产管理和综合金融时代的到来，保险业投资能力和风险控制能力的提升和加强，必将会对中国保险业的发展起到积极推动作用。
[Abstract]:China's insurance industry started in 1949 and has gone through a tortuous, arduous and rapid development road. There are several signs of the rapid development of the insurance industry. One is the introduction of the insurance agent (insurance marketer) system in China by American friendly Insurance in 1992; the other is the cooperation between the insurance industry and the banking industry, which began in 1999. And the birth of insurance innovation product dividend type insurance and investment link insurance; third, the establishment of insurance asset management company in 2003; fourth, the enterprise annuity system that began to try out in 2005. Most of these iconic events are the result of collaboration with other financial institutions. At the same time, the insurance industry also has many problems: the market scale is small, the function and function of insurance haven't been brought into full play, and the market competition is not enough. In particular, the contradiction between the rapid growth of premium income and the low income of capital utilization is becoming more and more concentrated. In order to solve these problems in the future, in addition to the continuous review and physical fitness of the industry itself, under the existing environment and policy background, to continue to strengthen cooperation with other financial institutions is an inevitable trend for China's insurance industry to become stronger and bigger. Cross-industry cooperation among financial institutions can bring a lot of opportunities to the insurance industry: the R & D capabilities of insurance products and insurance asset management products will be strengthened, and marketing and investment channels will be broadened and opened. The investment ability of insurance funds and entrusted funds will be greatly improved. Especially in the new situation, with the arrival of pan-asset management and comprehensive financial age, the promotion and strengthening of insurance investment ability and risk control ability will certainly play a positive role in promoting the development of China's insurance industry.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842;F832.39

【共引文献】