我国银行保险新动向与发展趋势探究
发布时间：2018-08-30 07:35
【摘要】：银行保险已成为我国寿险业主要渠道之一,2011年监管部门颁布新政,规范银保经营,国内银保业增速明显放缓,银保合作出现以银行为主导的并购发展趋势,银行系保险公司异军突起,开始了混业经营的探索。在新型合作机制下,银保产品结构、营销模式、经营理念均发生了相应转变,以银行系保险公司为主导的混业经营模式成为国内银保业发展的大势所趋。银保合作下的金融集团化趋势将给监管部门带来更大的挑战。
[Abstract]:Bancassurance has become one of the main channels of life insurance industry in our country. In 2011, regulators promulgated a new policy to standardize the operation of bancassurance. The growth rate of domestic bancassurance industry has slowed obviously, and the development trend of bank-led mergers and acquisitions has emerged in bancassurance cooperation. The bank department insurance company rises suddenly, began the exploration of mixed business management. Under the new cooperation mechanism, the product structure, marketing mode and management concept of Bancassurance have all changed correspondingly, and the mixed operation mode, which is dominated by the insurance company of the bank department, has become the general trend of the development of the domestic bancassurance industry. The trend of financial collectivization under bancassurance cooperation will bring more challenges to regulators.
【作者单位】： 复旦大学经济学院保险系;
【分类号】：F832.2;F842
[Abstract]:Bancassurance has become one of the main channels of life insurance industry in our country. In 2011, regulators promulgated a new policy to standardize the operation of bancassurance. The growth rate of domestic bancassurance industry has slowed obviously, and the development trend of bank-led mergers and acquisitions has emerged in bancassurance cooperation. The bank department insurance company rises suddenly, began the exploration of mixed business management. Under the new cooperation mechanism, the product structure, marketing mode and management concept of Bancassurance have all changed correspondingly, and the mixed operation mode, which is dominated by the insurance company of the bank department, has become the general trend of the development of the domestic bancassurance industry. The trend of financial collectivization under bancassurance cooperation will bring more challenges to regulators.
【作者单位】： 复旦大学经济学院保险系;
【分类号】：F832.2;F842
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