银保独家交易模式的条件及影响研究

发布时间：2018-04-25 05:24

本文选题：银保合作 + 独家交易　；参考：《保险研究》2017年09期

【摘要】：针对目前银保合作过程中出现的诸多问题,本文认为建立银保独家交易的合作模式是一种有效的解决方式。为揭示这种合作模式背后的机理及其作用,本文构建了银保交易模式的决策模型,比较了独家交易和共同代理两种交易模式下的银保市场均衡,得出了市场自发状态下银保独家合作的条件及其影响。研究发现保险公司的市场份额、保险市场竞争程度以及银行谈判势力决定了银保合作模式的选择。保险公司市场份额越大、保险市场竞争越激烈、银行相对于保险公司的谈判势力越强,银保之间越容易形成独家交易的合作模式。反之,则容易形成共同代理的合作模式。研究结果还表明银保独家交易模式并不会提高保险产品的市场销售价格。相反,可以促使银保企业深入合作,提升合作效率。基于以上结论,本文认为相关监管部门可以鼓励、引导市场中大型保险公司尝试独家交易的合作模式。
[Abstract]:Aiming at the problems in the process of bancassurance cooperation, this paper thinks that establishing the cooperation mode of bancassurance exclusive transaction is an effective solution. In order to reveal the mechanism and function behind this mode of cooperation, this paper constructs a decision-making model of bancassurance trading model, and compares the market equilibrium of Bancassurance under the two modes of exclusive transaction and co-agent transaction. The condition and influence of bancassurance exclusive cooperation under market spontaneous state are obtained. It is found that the market share of insurance companies, the degree of competition in the insurance market and the negotiating power of banks determine the choice of cooperation mode. The larger the market share of insurance companies, the more competitive the insurance market, the stronger the negotiation power of banks relative to insurance companies, the easier it is to form the cooperation mode of exclusive transaction between banks and insurers. On the contrary, it is easy to form the cooperation mode of common agent. The results also show that Bancassurance's exclusive trading model does not raise the market price of insurance products. On the contrary, can urge the bank insurance enterprise to deepen the cooperation, enhances the cooperation efficiency. Based on the above conclusions, this paper argues that relevant regulators can encourage and guide large insurance companies in the market to try the cooperative mode of exclusive trading.
【作者单位】：东北大学工商管理学院;中国平安人寿保险股份有限公司辽宁分公司;
【基金】：国家自然科学基金面上项目(71472032,71473066) 国家留学基金委员会建设高水平大学公派研究生项目(留金发[2016]3100) 2016年度辽宁省哲学社会科学规划基金项目(L16CJY006)
【分类号】：F842

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