银保新规后我国银行保险发展研究

发布时间：2018-07-24 18:52

【摘要】：我国的银保合作模式主要是低级的分销协议模式，发展过程中出现了合作模式松散、产品同质化、误导销售等问题。尤其是“存单变保单”的销售误导问题，不仅损害了消费者的权益，而且伤害到了银行业和保险业的形象。监管部门为了维护消费者的权益，重树行业间形象，出台了银保新规。银保新规的出台在一定程度上解决了销售误导问题，使银保业务在经营中变的更加规范有序，也间接的促进了我国银行保险发展模式的转变。但是，银保新规并未对我国银保合作模式和销售模式做明确性的引导，分销协议模式仍然是我国现阶段主要的银保合作模式。而原有的驻点销售模式却被取消了，，这就造成了合作模式和销售模式上的脱节。许多已存在的问题像产品同质化、账外手续费支付等问题都未得到妥善解决。为解决银保新规出台我国银行保险尚存在的问题和可能出现的新问题。本文建议在坚持优化现有的分销协议模式上，配以专业化的销售模式做支持，逐步发展到战略联盟模式。此外对于销售误导和产品同质化等问题，提出要加强产品的开发和销售人员的培训，同时加强保险知识的宣传工作，从多方面着手建立一个适合银行保险发展的环境。
[Abstract]:The cooperation mode of bancassurance in our country is mainly a low-level distribution agreement mode. In the process of development, the cooperation mode is loose, the products are homogenized, and the sales are misled and so on. In particular, the misguided sales of certificates of deposit and insurance policies not only hurt the interests of consumers, but also the image of banking and insurance. Regulators in order to protect the rights and interests of consumers, re-establish the image of the industry, the introduction of new rules. The introduction of new rules has solved the problem of misguided sales to a certain extent, made the operation of bank insurance more standardized and orderly, and indirectly promoted the transformation of the development model of China's bancassurance. However, the new rules of Bancassurance do not give clear guidance to the cooperation mode and sales model of Bancassurance in China, and the distribution agreement model is still the main mode of bancassurance cooperation in China at the present stage. But the original stop-point sales model was abolished, which resulted in the disconnection between the cooperation model and the sales model. Many existing problems such as homogenization of products, off-account handling fees and other issues have not been properly resolved. In order to solve the problems and possible new problems of bancassurance issued in China. This paper suggests that the existing distribution agreement should be optimized, supported by a specialized sales model, and gradually developed into a strategic alliance model. In addition to the problems of misguided sales and homogenization of products, it is proposed to strengthen the development of products and the training of sales personnel, at the same time, to strengthen the propaganda of insurance knowledge, and to set up an environment suitable for the development of bancassurance from various aspects.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.6;F832.2

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