中国银保业务的发展及其治理建议

发布时间：2018-02-04 04:27

本文关键词： 回归本质转型　出处：《首都经济贸易大学》2014年硕士论文　论文类型：学位论文

【摘要】：经济全球化和金融一体化是银保行业的发展的先决条件,银保行业是西方国家银行业和保险业对新市场的开辟和提高利润率的重要手段之一。我国的银行保险合作呈现出立体化、多样化的发展趋势，蕴藏着巨大的发展潜力。中国银保业至今已发展十余年，形成了具有中国特色的发展模式，成就了银行保险行业的一度辉煌。然而随着金融市场竞争日益加剧、投资环境持续低迷，银保市场在各种利益的共同驱动下，行业渠道乱象又死灰复燃。保险公司驻点销售猖獗，存在产品结构单一、对消费者销售误导、政策法规不够完善等一系列问题，严重阻碍了业务的健康有序发展。对于寿险来讲，2014年会比2013年更加困难，其中一大原因就是寿险营销体制下产生了很多效率方面的问题。本文从银保合作发展的现状来分析其存在的客观必然性,找出发展中存在的问题与不足,提出相关对策建议。通过研究得出银保业的创新转型是我国银保业健康发展的必然选择。本文的研究对我国银保业务的长远发展具有重要意义。本论文有三个创新之处:首先对“银行保险”这一概念进行了更加详尽的论述；其次，通过对大量新闻与文献的分析和研究，发现银保的发展需要转变经营理念，银保的发展需要回归本质，，即回归诚信、回归保障、回归消费者。三是本文所研究和列举的数据与时俱进，视野开阔，通过对国外及我国银行保险行业的现状和问题进行分析，提出了自己对于适合国情的银保创新发展之路的看法。
[Abstract]:Economic globalization and financial integration are prerequisites for the development of the banking and insurance industry. The banking and insurance industry is one of the important means to open up the new market and improve the profit rate of the banking and insurance industry in western countries. The cooperation of bancassurance in our country shows a trend of three-dimensional and diversified development. There is great potential for development. China's banking and insurance industry has been developing for more than a decade, forming a development model with Chinese characteristics, which has made the bancassurance industry brilliant for a time. However, with the increasing competition in the financial market, the investment environment continues to be depressed. The bancassurance market is driven by a variety of interests, the industry channel chaos is reviving again. Insurance companies stop at the point of rampant sales, there is a single product structure, misleading consumer sales. Policies and regulations are not perfect and a series of problems seriously hinder the healthy and orderly development of business. For life insurance 2014 will be more difficult than 2013. One of the major reasons is that there are many efficiency problems under the life insurance marketing system. This paper analyzes the objective inevitability of its existence from the current situation of the development of bancassurance cooperation and finds out the problems and shortcomings in the development. It is concluded that the innovation and transformation of the banking insurance industry is the inevitable choice for the healthy development of the banking insurance industry in China. The study in this paper is of great significance to the long-term development of the banking insurance business in China. There are three innovations in this paper: firstly, the concept of "bancassurance" is discussed in more detail; Secondly, through the analysis and study of a large number of news and documents, it is found that the development of Bancassurance needs to change its business philosophy, and the development of Bancassurance needs to return to its essence, that is, to return to honesty and security. Third, this paper studies and enumerates the data with the times, broadens the field of vision, through the foreign and our country bancassurance industry present situation and the question carries on the analysis. Put forward their own view on the road of innovation and development of bancassurance suitable for national conditions.
【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】：2014
【分类号】：F832.2

【引证文献】