建行黑龙江省分行代理保险业务风险管理研究
发布时间：2018-11-29 11:55
【摘要】：银行保险是金融混业发展中的一项主要中间业务。我国银行保险业务是伴随着国内保险业务的恢复而产生和发展起来的,目前发展时间相对较短,但却日益成为了商业银行中间业务利润的重要来源,由此必然会得到商业银行在可持续发展中的高度重视。但同时不可忽视的是,由于商业银行代理保险业务属于一个相对新兴的业务,在具体运行中,还存在一些风险管理方面的突出问题,既有银行操作风险方面的不足,也有一些市场、政策、系统等方面的影响和制约,在某种程度上对商业银行代理保险业务造成了一定的发展阻碍,当前急需构建良好的风险管理体系来应对和提升。本文以建行黑龙江省分行为案例,结合现代银行风险管理和保险运营风险管理等理论,对建行黑龙江省分行在代理保险业务过程中的风险管理问题进行了探讨。首先,通过现场调查,明确了建行黑龙江省分行代理保险业务风险管理的现状;其次,经过研讨发现,建行黑龙江省分行代理保险业务存在声誉风险、操作风险、市场风险、政策风险、系统风险等;再次,根据建行黑龙江省分行代理保险业务风险管理的原则、目的、方法,提出了相应的风险管理对策;最后提出了建行黑龙江省分行代理保险业务风险管理的实施与保障措施,即进一步推进和强化建行黑龙江省分行代理保险业务时的协同监管制度的建立,并且要从建行黑龙江省分行自身发展来加强代理保险业务风险管理制度的科学化与规范化,建立相关从业人员的专业技术能力培养和激励机制,注重加强建行黑龙江省分行内部员工的严格规范管理,以此促进建行黑龙江省分行代理保险业务风险管理的可持续发展。
[Abstract]:Bancassurance is a major intermediate business in the development of financial mixed industry. The bancassurance business of our country comes into being and develops along with the recovery of domestic insurance business. At present, the development time is relatively short, but it has become an important source of profit of commercial bank intermediate business day by day. Therefore, commercial banks must attach great importance to sustainable development. But at the same time, it can not be ignored that, because the agent insurance business of commercial banks belongs to a relatively new business, there are still some outstanding problems in risk management in the concrete operation, and there are some shortcomings in the operational risks of banks. There are also some market, policy, system and other aspects of the impact and constraints, to a certain extent, the commercial bank agent insurance business has caused some obstacles to the development of the current urgent need to build a good risk management system to deal with and improve. Based on the theory of modern bank risk management and insurance operation risk management, this paper discusses the risk management of CCB Heilongjiang branch in the process of agency insurance business. First of all, through the on-site investigation, the paper clarifies the current situation of the agent insurance business risk management of China Construction Bank Heilongjiang Branch. Secondly, it is found that there are reputation risk, operation risk, market risk, policy risk, system risk and so on. Thirdly, according to the principle, purpose and method of risk management of agent insurance business in Heilongjiang Branch of China Construction Bank, the corresponding risk management countermeasures are put forward. Finally, the paper puts forward the implementation and safeguard measures of risk management of agency insurance business in Heilongjiang Branch of China Construction Bank, that is, to further promote and strengthen the establishment of cooperative supervision system when acting insurance business in Heilongjiang Branch of China Construction Bank. And we should strengthen the scientific and standardized risk management system of agency insurance business from the development of Heilongjiang Branch of China Construction Bank, and establish the professional and technical ability training and incentive mechanism of relevant practitioners. Pay attention to strengthening the strict and standardized management of the internal staff of the branch of China Construction Bank Heilongjiang Province, so as to promote the sustainable development of the risk management of the agency insurance business of the Branch of China Construction Bank of Heilongjiang Province.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.4
本文编号：2364922
[Abstract]:Bancassurance is a major intermediate business in the development of financial mixed industry. The bancassurance business of our country comes into being and develops along with the recovery of domestic insurance business. At present, the development time is relatively short, but it has become an important source of profit of commercial bank intermediate business day by day. Therefore, commercial banks must attach great importance to sustainable development. But at the same time, it can not be ignored that, because the agent insurance business of commercial banks belongs to a relatively new business, there are still some outstanding problems in risk management in the concrete operation, and there are some shortcomings in the operational risks of banks. There are also some market, policy, system and other aspects of the impact and constraints, to a certain extent, the commercial bank agent insurance business has caused some obstacles to the development of the current urgent need to build a good risk management system to deal with and improve. Based on the theory of modern bank risk management and insurance operation risk management, this paper discusses the risk management of CCB Heilongjiang branch in the process of agency insurance business. First of all, through the on-site investigation, the paper clarifies the current situation of the agent insurance business risk management of China Construction Bank Heilongjiang Branch. Secondly, it is found that there are reputation risk, operation risk, market risk, policy risk, system risk and so on. Thirdly, according to the principle, purpose and method of risk management of agent insurance business in Heilongjiang Branch of China Construction Bank, the corresponding risk management countermeasures are put forward. Finally, the paper puts forward the implementation and safeguard measures of risk management of agency insurance business in Heilongjiang Branch of China Construction Bank, that is, to further promote and strengthen the establishment of cooperative supervision system when acting insurance business in Heilongjiang Branch of China Construction Bank. And we should strengthen the scientific and standardized risk management system of agency insurance business from the development of Heilongjiang Branch of China Construction Bank, and establish the professional and technical ability training and incentive mechanism of relevant practitioners. Pay attention to strengthening the strict and standardized management of the internal staff of the branch of China Construction Bank Heilongjiang Province, so as to promote the sustainable development of the risk management of the agency insurance business of the Branch of China Construction Bank of Heilongjiang Province.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.4
【参考文献】
相关期刊论文 前10条
1 李润伟;;论我国银行保险的制度[J];经营管理者;2015年03期
2 梁东;;对我国互联网保险经营的思考——基于对银行保险发展历程的研究[J];河北金融;2014年07期
3 牟占冬;;浅谈银行操作风险的成因与防范对策[J];财经界(学术版);2014年10期
4 张锐;廖晓莉;张同健;;内部控制对操作风险控制的促进效应分析——基于股份制商业银行的数据检验[J];会计之友;2014年14期
5 周新发;白薇;;借鉴国际经验促进我国银行保险发展[J];金融与经济;2014年02期
6 杨丽;;浅议商业银行基层网点的风险防控[J];财经界(学术版);2013年18期
7 陆静;张佳;;基于极值理论和多元Copula函数的商业银行操作风险计量研究[J];中国管理科学;2013年03期
8 黄志强;;银行保险模式的五大关键要素[J];中国金融;2013年08期
9 陈之衡;;我国银行保险新动向与发展趋势探究[J];新金融;2013年04期
10 刘兴亚;王少群;陈敏;;我国银行保险发展中存在的问题及对策[J];金融发展评论;2013年02期
相关硕士学位论文 前2条
1 王恺;中国银保业务的发展及其治理建议[D];首都经济贸易大学;2014年
2 冯凡;我国商业银行代理保险业务风险和法律监管研究[D];西北大学;2012年
，本文编号：2364922
本文链接：https://www.wllwen.com/jingjilunwen/bxjjlw/2364922.html
