中国银行保险发展策略研究

发布时间：2018-04-05 13:23

本文选题：银行保险　切入点：发展模式　出处：《辽宁大学》2014年硕士论文

【摘要】：银行保险是保险销售的最重要的渠道之一。国内的银保经营模式仍然处于一个相对初级水平，银行和保险公司间的合作相对单一。在最近一段时间，情况稍有不同：一些国内的中型商业银行已通过股权投资或兼并等方式涉足保险行业；大型保险公司通过自身优势进军国内银行领域；小型保险公司也通过各种方式在银保模式上与银行进行最优化合作。当然，我国银行保险业务的不断发展是十分必要的，然而，我国银行保险发展中也面临着很多挑战和问题。它的核心是如何决定银行和保险公司间的博弈或合作，也有关于利润分配和商业运营的决定机制。目前，中国处于银保发展的初级阶段，银行和保险公司离建立一个互相渗透的关系还有很长的路要走，这些彰显出合作的初级形式，原始竞争，博弈双方的不公平定位，未形成的市场秩序标准化和其他突出的问题。在该研究中，基于我国当前经济环境和监管政策，对于我国银保发展策略的研究变得更现实和有针对性。此论文概括了银保发展中国外的经验，系统地分析了中国银保发展的阶段、管理地位和管理中出现的问题。基于对行业发展、监管政策和其他环境因素的客观分析，，论文分析了国内银保业务所处的政治、法律、制度等环境、消费者对银保业务的需要程度以及银行和大中小保险公司间的合作、银行间的文化融合、保险产品和建立有经验的销售队伍以及其他可能影响银行和保险运营表现的因素，针对我国银保发展政策提出了建议。
[Abstract]:Bancassurance is one of the most important channels for insurance sales.Domestic bancassurance business model is still in a relatively primary level, the cooperation between banks and insurance companies is relatively single.In recent years, the situation is slightly different: some domestic medium-sized commercial banks have entered the insurance industry through equity investment or mergers, while large insurance companies have entered the domestic banking field through their own advantages;Small insurance companies also work optimally with banks in a variety of ways on the bancassurance model.Of course, the continuous development of the bancassurance business in our country is very necessary, however, there are many challenges and problems in the development of the bancassurance in our country.Its core is how to decide the game or cooperation between banks and insurance companies, but also the decision mechanism about profit distribution and business operation.At present, China is in the primary stage of the development of bancassurance. Banks and insurance companies still have a long way to go to establish a mutually permeable relationship. These demonstrate the primary forms of cooperation, primitive competition, and unfair positioning of both sides of the game.Unformed standardization of market order and other outstanding problems.In this study, based on the current economic environment and regulatory policy, the research on the development strategy of China's banking and insurance has become more realistic and targeted.This paper summarizes the experience of Bancassurance's development outside China, and systematically analyzes the stage, management position and problems in the development of Bancassurance in China.Based on the objective analysis of industry development, regulatory policy and other environmental factors, the paper analyzes the political, legal and institutional environment of domestic banking and insurance business.The level of consumer demand for banking and insurance, cooperation between banks and large, medium and small insurance companies, cultural convergence between banks, insurance products and the establishment of experienced sales teams, and other factors that may affect the performance of banks and insurance operations,Some suggestions are put forward for the development policy of China's bancassurance.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F842

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