加快我国银行保险发展的对策研究

发布时间：2018-01-01 07:30

本文关键词：加快我国银行保险发展的对策研究　出处：《财经问题研究》2012年03期 　论文类型：期刊论文

【摘要】：银行保险(Bankassurance)于20世纪70年代起源于法国,此后很快被欧洲国家所效仿,并扩展到北美、亚洲和其他地区,逐渐发展成为一种新型的金融业务经营模式。近年来,在经济全球化、金融一体化进程不断加快和金融创新浪潮迭起的宏观背景下,各国银行保险的覆盖范围迅速拓展,业务规模持续增长,取得了显著的成效,并显示出良好的发展前景。我国的银行保险虽然起步较晚,但发展势头强劲。面对银行保险迅速发展过程中我国金融企业出现的新的合作形式与竞争行为,以及由此而引发的问题与风险,金融企业、理论界和政府监管部门应给予高度的关注,并制定出相应的对策。
[Abstract]:Bancassurance originated in France in 1970s and was soon followed by European countries and extended to North America, Asia and elsewhere. In recent years, under the background of economic globalization, the process of financial integration is accelerating and the wave of financial innovation is rising. The coverage of bancassurance in various countries has expanded rapidly, the business scale has continued to grow, and has achieved remarkable results, and has shown a good prospect of development. China's bancassurance started relatively late. But the development momentum is strong. In the face of the new forms of cooperation and competition behavior, and the problems and risks caused by the rapid development of bancassurance, financial enterprises face the new forms of cooperation and competition. Theorists and government regulators should pay close attention to it and work out corresponding countermeasures.
【作者单位】：天津财经大学MBA教育中心;
【分类号】：F832.2;F842
【正文快照】： 一、引言所谓银行保险最简单的解释是“借助银行卖保险”[1],即银行作为保险公司的兼业代理人实现保险分销;而广义的银行保险是指银行和保险公司采用相互渗透和融合的战略,将银行和保险等多种金融服务联系在一起,并通过客户资源整合与销售渠道共享提供与保险相关的金融服务,以

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