银行与保险市场的相关性及影响因素分析

发布时间：2018-01-12 14:34

本文关键词：银行与保险市场的相关性及影响因素分析　出处：《金融论坛》2012年10期 　论文类型：期刊论文

【摘要】：存贷款利率和货币供给量是影响银行经营绩效的主要因素;而除同受货币供给量的影响外,影响保险业经营绩效的主要因素则是居民消费水平和物价水平,具体到寿险公司和同时经营人寿与财产保险的综合性保险集团,其影响因素差别也较明显。在银保代理业务发展中,一个地区保险业发展程度、经济和社会发展程度以及银行业发展对银保代理规模的影响程度逐渐减弱,其中GDP和理赔支出对其的影响为负,而人口数量和保费收入对银保代理业务有正面影响。传统的银保代理业务在中等发达省份和中小城市具有较大发展空间,而在大城市则需更灵活的产品策略。
[Abstract]:Deposit and loan interest rate and money supply are the main factors that affect the bank's performance. In addition to the same amount of money supply, the main factors that affect the performance of insurance business are the consumption level and price level of residents, specifically to the life insurance company and the comprehensive insurance group operating life and property insurance at the same time. In the development of bancassurance agency business, the degree of insurance development, economic and social development, and the banking development of the impact on the size of bancassurance agent gradually weakened. Among them, the impact of GDP and claim expenses on them is negative. The number of population and premium income have a positive impact on the bank insurance agency business. The traditional bank insurance agency business in the middle developed provinces and small and medium-sized cities has a greater space for development, but in large cities it needs more flexible product strategy.
【作者单位】：西南财经大学金融学院;中国工商银行机构业务部;中央财经大学金融学院;
【分类号】：F832.2;F842;F224
【正文快照】： 银行保险是金融混业经营的一种重要形式,有广义和狭义两个口径。从狭义来看,银行保险单纯指通过银行渠道代理销售各类保险产品,为客户提供多元化的产品选择。2011年中国的银行和邮储渠道代理保费业务量为4577亿元,占保费收入的31.92%。从广义来看,银行保险则除了指银行与保险

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