国内寿险银保合作发展模式研究

发布时间：2018-05-24 10:02

本文选题：人寿保险 + 银保合作　；参考：《华东理工大学》2013年硕士论文

【摘要】：人寿保险是社会、经济以及人们的物质文明和精神文明发展到一定阶段的产物,银保合作,起初则是人寿保险业务发展到一定阶段的渠道销售模式创新,在经济全球化及金融自由化的推动下,银保合作已逐步走向包括但不限于银行业务与寿险业务相互渗透、银行资本和寿险资本相互融合的战略合作,寿险银保合作已成为西方发达国家银行业和寿险业开辟新市场、承揽新客源、挖掘新利润的重要合作共赢手段之一。我国的寿险业银保合作在社会需求的客观要求和银行业与保险寿险业在互利共赢的内在冲动下,近年来有了快速发展,但是,由于银保合作的法规与监管滞后,国内寿险银保合作在单纯追求规模与追逐利益下逐步出现无序竞争甚至恶性竞争,一度使很多民众对寿险产品产生“信用危机”。如何面对国际金融发展趋势,构建我国既有利于金融创新、又有利于风险管控,确保寿险业银保合作规范、健康、可持续发展的模式,具有紧迫性和非常重要的现实意义。本文介绍了寿险、银保合作等基本概念和相关文献综述,研究了我国寿险业银保合作发展历程、现状及其面临的严峻挑战,在分析和借鉴欧美国家人寿保险银保合作发展模式中经验与教训以及进行相关案例分析基础上,从我国实际出发,提出了优化国内寿险银保合作发展模式的对策与建议。本文的创新点即对策的核心：一是推进银保合作体制创新,形成商业银行与寿险公司资本融合、战略融合、风控融合和责任融合；二是推进金融生态环境优化,形成集中统一的政府金融监管与服务机构,构建创新、规范、制约、服务的良性循环金融生态。本文由六章组成：第一章导论。阐述本文选题背景和意义、相关文献综述、研究思路与架构等内容。第二章人寿保险及银保合作概述。介绍人寿保险及其主要产品、银保合作概念、银行保险的经济学分析等内容。第三章国内寿险银保合作的现状及挑战。主要介绍国内寿险银保合作现状、寿险银保合作面临的挑战等内容。第四章国外寿险银保合作模式研究及启示。分别对欧洲、美国、亚洲部分国家银行保险发展模式进行研究分析及其启示。第五章促进国内寿险银保合作健康发展的模式研究。阐述了国内寿险银保合作模式的科学定位与发展方向、完善银行和寿险公司的银保合作模式分析、健全严明有效的监管机制等内容；第六章结论与展望。要构建有利于国内寿险银保合作健康快速发展的模式,根本在于加快体制机制创新和优化、完善金融生态环境。
[Abstract]:Life insurance is the product of social, economic, and people's material and spiritual civilization to a certain stage. In the beginning, the cooperation of silver and insurance is the channel selling mode innovation of life insurance business to a certain stage. Under the impetus of economic globalization and financial liberalization, the cooperation of silver insurance has been gradually included but not limited to the banking business. With the mutual penetration of life insurance business and the strategic cooperation of mutual integration of bank capital and life insurance capital, life insurance silver insurance cooperation has become one of the important cooperation and win-win means to open new markets for the banking and life insurance industry in western developed countries, to undertake new customers and to excavate new profits. The cooperation of silver insurance in life insurance industry in China is the objective requirements of social demand and the bank. Under the internal impulse of mutual benefit and mutual benefit, industry and insurance life insurance industry has developed rapidly in recent years. However, due to the lagging laws and regulations of the cooperation of silver insurance, the cooperation of domestic life insurance silver insurance has gradually appeared disordered competition and even vicious competition under the simple pursuit of scale and pursuit of interest, which once made many people have a "credit crisis" on life insurance products. How to face the trend of international financial development, it is of urgent and very important practical significance to build the model which is both beneficial to financial innovation and risk control and to ensure the standard, health and sustainable development of the life insurance industry.
This paper introduces the basic concepts and literature review of life insurance, silver insurance cooperation and so on. It studies the development course, current situation and the severe challenge of the silver insurance cooperation in China's life insurance industry. On the basis of analyzing and drawing lessons from the experience and lessons of the cooperative development model of the European and American life insurance silver insurance, and on the basis of the related case analysis, we start from the reality of our country. The paper puts forward the countermeasures and suggestions to optimize the cooperation and development mode of the domestic life insurance silver insurance. The core of the innovation is to promote the innovation of the system of banking and insurance cooperation, form the capital integration of the commercial banks and the life insurance companies, the strategic fusion, the integration of wind control and the integration of responsibility, and the two is to push into the optimization of the financial ecological environment and form a centralized and unified government. The government's financial supervision and service institutions build a virtuous circle of innovation, standardization, restriction and service.
This article is composed of six chapters: the first chapter is introduction. It expounds the background and significance of the topic, the literature review, the research ideas and the framework of the second chapter. The life insurance and its main products, the concept of the cooperation of the bank insurance, the economic analysis of the bank insurance, and so on. The third chapter of the domestic life insurance silver insurance cooperation. Present status and challenges. Mainly introduces the status of domestic life insurance silver insurance cooperation and the challenges facing the cooperation of life insurance silver insurance. The fourth chapter of the research and Enlightenment of the cooperation mode of foreign life insurance silver insurance. The research and analysis of the development mode of bank insurance in Europe, the United States and Asia respectively. The fifth chapter promotes the cooperation and health of the domestic life insurance silver insurance. The scientific orientation and development direction of the cooperation mode of the domestic life insurance silver insurance, the analysis of the bank and the life insurance company's cooperation mode and the strict and effective supervision mechanism are perfected, and the sixth chapter is the conclusion and the prospect. We should speed up the innovation and optimization of institutional mechanisms and improve the financial ecological environment.
【学位授予单位】：华东理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.62

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