我国银行保险业务的风险分析和对策研究

发布时间：2018-02-15 13:46

本文关键词： 银行保险业务发展现状风险分析应对策略　出处：《浙江大学》2014年硕士论文　论文类型：学位论文

【摘要】：银行保险的诞生是经济全球化、金融一体化不断深入的结果,是银行和保险公司为了适应不断变化的市场需求所提供的一种一体化营销和多元化金融服务业务,在这种业务中,银行和保险公司针对共同的客户,通过统一的销售渠道,向客户提供具有银行和保险双重特性的金融产品。银行保险自20世纪80年代诞生以来,已经为各国普遍接受,并迅速发展为保险业尤其是寿险行业销售产品的主要渠道之一。我国银行和保险虽然仍然实行分业经营,但在受到越来越激烈的国际竞争的情况下,我国的银行保险业务也取得了很大的发展,尤其是寿险公司,已经成为其产品营销的一个重要渠道。与此同时也暴露出了很多问题,存在着很大的风险。在这样的背景下,深入系统地分析银行保险的基本特性和产生原因以及发展过程,调查和总结我国银行保险的发展现状、主要问题和风险,学习和借鉴国外有关银行保险发展和风险管理的经验,对于我国银保业务的不断完善和风险的有效规避意义重大。本文系统地总结了我国银保业务的产生环境和发展现状,概括了我国银保业务存在的主要经营风险,总结了国外有关银行保险的风险管理经验。在此基础上,论文结合我国的具体国情和体制,给出了银行保险进行风险管理的基本对策。最后本文以平安人寿保险有限公司为例,在分析其银保业务发展情况的基础上,针对其存在的主要风险,提出了规避风险的宏观和微观对策,进一步给出了完善银行保险业务的具体建议。本文的重点首先是通过认真系统地分析和研究,找出我国银行保险业务中存在的主要风险,并从政策、市场等各个角度分析其成因,其次在于认真总结国外有关银行保险风险管理的有效经验,从而提出我国银保业务规避风险、健康发展的对策。
[Abstract]:The birth of bancassurance is the result of economic globalization and financial integration. It is a kind of integrated marketing and diversified financial service provided by banks and insurance companies in order to adapt to the changing market demand. Banks and insurance companies provide financial products with dual characteristics of banking and insurance to customers through unified sales channels for common customers. Since its birth in 1980s, bancassurance has been widely accepted by all countries and has developed rapidly as one of the main channels for selling products in the insurance industry, especially in the life insurance industry. However, under the increasingly fierce international competition, China's bancassurance business has also made great progress, especially the life insurance companies, which have become an important channel for their product marketing. At the same time, many problems have been exposed. Under this background, the basic characteristics, causes and development process of bancassurance are deeply and systematically analyzed, and the present situation, main problems and risks of bancassurance in China are investigated and summarized. It is of great significance to learn from the experience of foreign bancassurance development and risk management for the continuous improvement of China's banking insurance business and the effective avoidance of risks. This paper systematically summarizes the production environment and development situation of China's bancassurance business, summarizes the main operating risks in China's bancassurance business, and summarizes the risk management experience of foreign bancassurance. Combined with the specific situation and system of our country, this paper gives the basic countermeasures of risk management for bancassurance. Finally, taking Ping an Life Insurance Co., Ltd as an example, this paper analyzes the development of its bank insurance business. Aiming at the main risks, this paper puts forward the macro and micro countermeasures to avoid the risks, and puts forward some concrete suggestions to perfect the banking insurance business. The focus of this paper is to find out the main risks in China's bancassurance business through careful and systematic analysis and research, and to analyze its causes from the perspectives of policy, market and so on. Secondly, the author summarizes the effective experience of foreign bancassurance risk management, and puts forward the countermeasures of avoiding risks and developing healthily in China's bancassurance business.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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