银行保险发展的影响因素分析

发布时间：2018-05-09 20:05

本文选题：银行保险 + 影响因素　；参考：《对外经济贸易大学》2014年硕士论文

【摘要】：银行保险发展模式最早出现在欧洲，，它是一种新的金融发展模式。随着金融经济全球化发展步伐的不断加快，全球金融市场日益成为一个自由联系且紧密相连的统一市场，银行与保险这两大金融支柱也日益融合，在业务发展上相互不断渗透，已经成为当今国际金融业的重要发展趋势。中国的银行保险业起步较晚，发展也相对落后，由于我国金融市场各种规章制度还不完善，一些相关的银行保险政策法规对银行保险业的发展还有一定的限制，但是通过国家新公布的国务院关于加快发展现代保险服务业的若干意见国发（2014）29号文，即新保险国十条，说明我国的银行保险业发展潜力很大，有待我们进一步去挖掘开发。本文试图通过实证分析来对银行保险发展的影响因素进行深入研究。本文主要分为五个章节，第1章是导论部分，介绍了本文的选题背景、研究意义及研究的框架，同时介绍了国内外相关的研究文献；第2章是银行保险发展的相关理论，这一章节主要介绍银行保险的概况、银行保险的经济学理论分析及银行保险的发展模式；第3章是银行保险发展的影响因素，本章主要从影响银行保险发展的内部因素、外部因素及其他因素三个方面来展开讨论；第4章是银行保险发展的实证因素分析，本章重点分析了影响银行发展的政策法规因素和金融市场监管因素，并介绍了实证分析的研究设计和相关的分析；第5章是结论和建议，本章在上一章实证分析的基础上得出了政策法规及金融市场监管对银行保险发展的影响呈正相关的结论，并针对这些结论给出了相应的建议。
[Abstract]:The development model of bancassurance was first appeared in Europe, it is a new financial development model. With the rapid development of financial and economic globalization, the global financial market is increasingly becoming a unified market with free contact and close connection. The banking and insurance, two financial pillars, are increasingly integrated and permeate each other in the business development. It has become an important development trend of the international financial industry. China's banking and insurance industry started relatively late and developed relatively backward. Because of the imperfect rules and regulations of China's financial market, some relevant policies and regulations of bank insurance still have certain restrictions on the development of the banking and insurance industry. However, through the newly published opinions of the State Council on speeding up the development of modern insurance service industry (No. 29), that is, the ten articles of the new insurance industry, it shows that the development potential of our country's banking and insurance industry is very great, and we need to further explore and develop it. This paper attempts to make an in-depth study on the influencing factors of the development of bancassurance through empirical analysis. This paper is divided into five chapters, the first chapter is the introduction part, introduced the background of this paper, research significance and research framework, at the same time introduced the relevant research literature at home and abroad; chapter 2 is the relevant theory of the development of bancassurance. This chapter mainly introduces the general situation of bancassurance, the economic theory analysis of bancassurance and the development mode of bancassurance. Chapter 3 is the influencing factors of bancassurance development, this chapter mainly discusses the internal factors that influence the development of bancassurance. Chapter 4 is the empirical analysis of the development of bancassurance. This chapter focuses on the policy and regulation factors and financial market regulatory factors that affect the development of banks. Chapter 5 is the conclusion and suggestion. Based on the empirical analysis, this chapter draws the conclusion that policies and regulations and financial market regulation have positive correlation with the development of bancassurance. Some suggestions are given for these conclusions.
【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】：2014
【分类号】：F832.2;F842

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