寿险公司银保产品退保问题探讨

发布时间：2018-06-13 21:59

本文选题：寿险公司 + 银行保险产品　；参考：《西南财经大学》2013年硕士论文

【摘要】：银行保险以其接近百分之五十的市场占有率成为我国寿险销售的主要渠道,日渐受到业界的重视。而寿险公司银行保险严重的退保问题也成为保险市场上关注的热点问题,大规模的的银保退保现象严重影响了保险公司的正常经营、影响了银保渠道参与主体的公司形象和银保产品形象、影响了银行渠道的正常发展,也损害了银行保险购买者的利益。目前,银行渠道代理销售的银行保险产品绝大部分为寿险产品,因此对寿险公司银行保险产品退保问题及其影响因素进行分析,有助于各经营主体改进经营过程中出现的问题,完善相关制度措施,防范寿险公司银行保险产品大规模退保事件的再次发生。本文主要从寿险公司银行保险产品退保现状着手,在追溯银保发展历史,分析银保产品在寿险市场上的主体地位,银保产品退保的严重状况及其对参与各方的消极影响的基础上,借助对具体案例的分析,运用博弈论的知识,对银保参与各方的博弈进行探讨。同时,本文通过搜集到的大量数据,对银保的销售结构、投资收益等进行较为充分的对比分析,深入探讨我国寿险公司银行保险产品大规模退保的主要影响因素,即险种销售结构、产品创新力度、投资收益水平、销售成本管理、销售误导现象等。然后,本文通过对银保发达国家的金融法律、监管制度、税收优惠、人文环境等方面的借鉴,提出了我国需要完善之处。最后,本文从寿险公司、监管机构和社会环境三个层面上,初步构建了防范我国寿险公司银行保险产品退保的对策思路,提出了改进保险资金投资模式,构建薪酬激励约束机制,建立防范银行保险产品大规模退保的预警指标等对策思路。本文共分为六大部分。第一部分即导论。首先分析了银行保险退保的现状和研究银行保险退保问题的意义；其次,整理了银行保险退保相关的文献综述,并对国内外关于银行保险、退保方面的研究现状进行分析；再次,阐述了本文研究的主要内容与方法,概括了本文的基本框架和逻辑体系；最后,提出了本文的创新点和不足。第一章即寿险公司银行保险产品退保的相关概念。是寿险公司银行保险产品退保的理论基础。本章对银行保险、寿险公司银保产品和退保的定义和特点进行了分析。该部分为下文的分析论证提供了理论支持。第二章即寿险公司银行保险的发展历史、退保现状及其影响。主要分为国内外银行保险发展历史、我国银行保险退保现状和银行保险产品大规模退保的消极影响三个部分。通过对这三个部分的描述,使读者对银行保险的发展阶段、银行保险产品退保的严重性等有一个整体的了解。第三章即寿险公司银行保险产品退保的影响因素分析。该部分主要对我国银行保险产品退保的影响因素——险种结构、产品收益和销售代理,三个方面进行分析,并结合历年保险年鉴数据、各保险公司数据等,探讨了银保产品险种结构单一,考核制度不合理,代理成本攀升,投资收益低,销售误导严重,消费者购买银保产品和退保时的羊群行为等问题。第四章即防范寿险公司银保产品退保的国际经验及借鉴。本部分主要对银行保险发达国家的监管、法律、税收、人文环境等方面的特点进行分析,通过对其经验的借鉴,为我国寿险公司银保产品的健康发展作个参照。第五章即防范银保产品退保的对策思路。该部分针对前文分析的我国寿险公司银保产品退保的原因,在借鉴国际经验的基础上,结合我国银保发展的特点,从寿险公司层面、监管层面和环境层面提出了相应的对策建议,以期对我国寿险公司银保产品的健康发展起到促进作用。本文可能的创新点是在选题、研究方法及研究内容上有所创新。一是国内外对寿险保单的退保行为、银保合作模式及其风险管理等分析较多,针对银保退保的研究几近空白,而本文正是对此进行尝试,较为系统的探讨了寿险公司银保产品的退保问题；二是在本文的具体分析中,运用了案例分析和博弈论的方法,对银保产品具体退保情况展开探讨。同时,本文充分运用公开资料和数据,对寿险公司银行保险大规模退保的情况和影响因素进行了深入的探讨。最后,本文还对防范寿险公司银行保险退保的预警指标、监管模式和薪酬激励约束机制等进行了初步的设计。试图通过本文的研究,对寿险公司银行保险产品的退保问题以及防范寿险公司银行保险产品大规模退保风险,有所借鉴和启示。
[Abstract]:The bank insurance, with its close to fifty percent market share, has become the main channel of China's life insurance sales and has been paid more attention by the industry. And the serious reinsurance problem of the life insurance company's bank insurance has also become a hot issue in the insurance market. A large scale of silver insurance has seriously affected the normal operation of the insurance company. The corporate image of the bank and the image of the silver insurance products have affected the normal development of the bank channel and the interests of the bank insurance buyers. At present, most of the bank insurance products of the bank channel agent are life insurance products. The line analysis will help the operators to improve the problems arising in the operation process, improve the relevant institutional measures and prevent the recurrence of the large-scale reinsurance of the insurance products of the life insurance companies.
This paper begins with the status of the reinsurance of the life insurance company's bank insurance products, tracing back the history of the silver insurance development, analyzing the main status of the silver insurance products in the life insurance market, the serious situation of the silver insurance products and its negative influence on the parties involved, and using the knowledge of game theory with the knowledge of game theory and the participation of the knowledge of game theory to participate in the participation of silver insurance. At the same time, through a large number of data collected, this paper makes a comparatively full comparison and analysis of the sales structure and investment income of the silver insurance company, and probes into the main factors affecting the large-scale reinsurance of the insurance products of our life insurance companies, that is, the structure of the insurance sales, the strength of product innovation, the level of investment income, and the sales. Then, through the reference of the financial law, supervision system, tax preference and humanistic environment of the developed countries, this paper puts forward the needs of our country. Finally, this paper constructs a preliminary prevention of China's life insurance company from three aspects of life insurance company, regulatory agency and social environment. The countermeasure thinking of the insurance product retreats is put forward to improve the investment mode of the insurance funds, construct the incentive and restraint mechanism of the salary, and establish the early warning indicators to prevent the large-scale reinsurance of the bank insurance products.
This article is divided into six parts.
The first part is the introduction. First, it analyzes the present situation of the bank insurance reinsurance and the significance of the research on the problem of the bank insurance refund. Secondly, it collate the literature review related to the bank insurance reinsurance, and analyze the domestic and foreign research status on the bank insurance and the reinsurance. Again, the main contents and methods of this study are expounded. It includes the basic framework and logic system of this article. Finally, it puts forward the innovation and deficiency of this article.
The first chapter is the related concept of the reinsurance of the life insurance company's bank insurance products. It is the theoretical basis of the reinsurance of the life insurance company's bank insurance products. This chapter analyzes the definition and characteristics of the bank insurance, the life insurance company Silver insurance products and the reinsurance. This part provides the theoretical support for the analysis and demonstration below.
The second chapter is the history of the development of the life insurance company's bank insurance, the present situation and its influence. It is divided into three parts: the history of the development of the domestic and foreign bank insurance, the current situation of our bank insurance and the negative influence of the large scale reinsurance of the bank insurance products. By describing these three parts, the readers will have the development stage of the bank insurance, the bank There is a general understanding of the seriousness of the surrender of insurance products.
The third chapter is the analysis of the influencing factors of the reinsurance of the life insurance company's bank insurance products. This part mainly analyzes the factors affecting the reinsurance of the bank insurance products in China - the insurance structure, the product income and the sales agent, three aspects, and discusses the structure of the insurance products of the insurance products in combination with the data of the years' insurance Yearbook and the data of the insurance companies. Single, unreasonable assessment system, rising agency costs, low investment returns, serious misleading sales, consumers buying bank guarantee products and herding behavior when surrender.
The fourth chapter is to prevent the international experience and reference of the reinsurance of the life insurance company's silver insurance products. This part mainly analyzes the characteristics of the supervision, law, tax and human environment in the developed countries of the bank insurance, and makes a reference for the healthy development of the silver insurance products of our life insurance company through reference to its experience.
The fifth chapter is the countermeasures to prevent the reinsurance of silver insurance products. In view of the analysis of the reasons for the reinsurance of the silver insurance products of our country's life insurance company, and on the basis of the international experience, and combining the characteristics of the development of China's silver insurance, the corresponding countermeasures and suggestions are put forward from the life insurance company level, the regulatory level and the environment level, with a view to the life insurance of our country. The healthy development of the company's banking and insurance products plays a catalytic role.
The possible innovation of this article is that there are some innovations in topic selection, research methods and research content. First, there are many analysis on the retirement insurance policy of life insurance policies at home and abroad, the cooperation mode of silver insurance and its risk management, and the research on the insurance of silver insurance is almost blank, and this article is a trial and systematic discussion of the silver insurance production of life insurance company. The two is in the concrete analysis of this article, using the method of case analysis and game theory to discuss the specific reinsurance of the silver insurance products. At the same time, this paper makes a thorough discussion on the situation and the influencing factors of the large scale reinsurance of the life insurance company. Finally, the paper also makes a thorough discussion on the situation and the influencing factors of the bank insurance of the life insurance company. The early warning indicators, supervision mode and compensation incentive and restraint mechanism are designed to prevent the life insurance company's Bank Insurance refunds. Through this study, this paper tries to draw lessons from the problems of the reinsurance of the life insurance company's bank insurance products and the prevention of the large scale reinsurance risk of the life insurance company's bank insurance products.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

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