本文選題：銀行保險 + 法律監(jiān)管��； 參考：《西南政法大學》2011年碩士論文

【摘要】：銀行保險,最早于20世紀70年代作為銀行業(yè)與保險業(yè)相互合作的一種金融創(chuàng)新起源于法國,在歐美國家已發(fā)展比較成熟。銀行保險的早期開展形式是銀行代理銷售保險產(chǎn)品,后來隨著銀行和保險公司合作的不斷深入,逐漸形成了銀行與保險公司之間的排他性的戰(zhàn)略聯(lián)盟,成立合資企業(yè)或者金融集團形式的銀行保險。銀行保險業(yè)務在很大程度上推動了一國的金融業(yè)發(fā)展,并有利于經(jīng)濟全球化的實現(xiàn)。目前,我國的銀行保險還處于初期的銀行代理保險模式,雖然近幾年發(fā)展迅速,但在業(yè)務開展過程中出現(xiàn)了諸多問題,如：銀保合作層次低,偏重短期利益,產(chǎn)品結構單一,手續(xù)費惡性競爭,代理銷售過程中誤導宣傳現(xiàn)象嚴重等,這些問題嚴重影響了我國銀行保險的發(fā)展,也不利于我國金融市場的穩(wěn)定。因此,盡快找出這些問題的根源,并提出科學合理的解決辦法,是實現(xiàn)我國銀行保險快速健康發(fā)展的當務之急。 本文從法律監(jiān)管角度出發(fā),介紹了我國現(xiàn)有的銀行保險法律監(jiān)管制度,指出其中存在的不足之處,通過分析國外銀行保險法律監(jiān)管制度并借鑒其成功的立法經(jīng)驗,提出構建我國銀行保險法律監(jiān)管制度框架的新思路。主要內(nèi)容有： 第一部分,分為兩個層次,第一個層次介紹了銀行保險的概念,經(jīng)營模式,國外及國內(nèi)銀行保險的產(chǎn)生和發(fā)展過程,重點指出我國銀行保險在業(yè)務開展過程中出現(xiàn)的問題；第二個層次介紹了銀行保險法律監(jiān)管制度的含義,特點,監(jiān)管的意義和監(jiān)管的原則,指出我國對銀行保險監(jiān)管的原則是規(guī)范與引導并重。 第二部分,介紹了我國現(xiàn)有的銀行保險法律監(jiān)管制度和監(jiān)管體制,并指出其中的不完善之處。我國現(xiàn)有的銀行保險監(jiān)管制度大部分是部門規(guī)章,法律體系不完備,法律制度不健全。嚴格分業(yè)的監(jiān)管體制很難對行業(yè)交叉業(yè)務進行有效的監(jiān)管。 第三部分,首先介紹了國際上銀行保險的發(fā)展情況,其次重點分析英國、法國和美國的銀行保險法律監(jiān)管制度,研究其發(fā)展規(guī)律及成功的經(jīng)驗,并從中總結出對我國的啟示,指出我國在立法上逐漸放松對金融混業(yè)經(jīng)營的管制,在監(jiān)管體制上也應該加強監(jiān)管部門之間的協(xié)調性。并且提出我國銀行保險未來的發(fā)展應該選擇金融控股公司形式。 第四部分,探討了我國銀行保險立法模式的選擇,提出我國銀行保險的監(jiān)管立法應該結合我國的國情,遵守“循序漸進”的原則,先由國務院頒布《銀行保險業(yè)務管理條例》對我國目前的銀行代理保險業(yè)務進行規(guī)范,并對我國銀行保險未來的發(fā)展道路指引方向。我國有關法律法規(guī)也要逐步放松對金融業(yè)之間混業(yè)經(jīng)營的管制。未來立法可以考慮制定《金融控股公司法》,對以金融控股公司形式開展的銀行保險進行規(guī)范。文章最后提出了各地監(jiān)管部門還要制定相關配套措施,以保證我國銀行保險的穩(wěn)定健康快速發(fā)展。
[Abstract]:Bancassurance originated in France as a kind of financial innovation in the cooperation between banking and insurance industry in the 1970s. It has developed more mature in Europe and America. The early form of bancassurance was to sell insurance products on behalf of banks. Later, with the deepening of cooperation between banks and insurance companies, an exclusive strategic alliance between banks and insurance companies was gradually formed. The establishment of joint ventures or financial groups in the form of bancassurance. To a great extent, bancassurance promotes the development of a country's financial industry and is conducive to the realization of economic globalization. At present, our country's bancassurance is still in the early stage of bancassurance insurance mode. Although it has developed rapidly in recent years, there are many problems in the process of business development, such as low level of bancassurance cooperation, emphasis on short-term benefits, and single product structure. The vicious competition of handling fees and misguided propaganda in the process of agency sales seriously affect the development of China's bancassurance and are not conducive to the stability of our financial market. Therefore, it is urgent to find out the root of these problems as soon as possible and put forward scientific and reasonable solutions to realize the rapid and healthy development of China's bancassurance. From the angle of legal supervision, this paper introduces the existing legal supervision system of bancassurance in our country, points out the shortcomings in it, analyzes the legal supervision system of foreign bancassurance and draws lessons from its successful legislative experience. This paper puts forward a new idea of constructing the legal regulatory framework of China's bancassurance. The main contents are: The first part is divided into two levels. The first level introduces the concept of bancassurance, business model, the emergence and development of foreign and domestic bancassurance, and points out the problems in the process of bancassurance in our country. The second level introduces the meaning, characteristics, significance and principle of supervision of the legal supervision system of bancassurance, and points out that the principle of supervision of bancassurance in our country is both normative and guiding. The second part introduces the existing legal supervision system and supervision system of bancassurance in China, and points out its imperfections. The present supervision system of bancassurance in our country is mostly a department regulation, the legal system is not complete and the legal system is not perfect. Strict separate supervision system is difficult to effectively supervise the cross-industry business. The third part first introduces the development of international bancassurance, then analyzes the legal supervision system of bancassurance in Britain, France and the United States, studies its development law and successful experience, and sums up the enlightenment to our country. It is pointed out that our country should gradually relax the regulation of financial mixed operation in legislation and strengthen the coordination between the supervision and control departments in the supervisory system. And put forward that the future development of China's bancassurance should choose the form of financial holding company. In the fourth part, the author discusses the choice of legislation mode of bancassurance in our country, and puts forward that the supervision legislation of bancassurance in our country should be combined with the national conditions of our country and abide by the principle of "gradual and orderly". First, the State Council promulgates the Regulation on the Management of Banking Insurance Business, standardizing the current bancassurance business in China, and guiding the future development of the bancassurance in China. Relevant laws and regulations of our country should also gradually relax the regulation of mixed operation between the financial industry. Future legislation may consider formulating Financial holding Company Law to regulate the banking insurance in the form of financial holding companies. Finally, the author puts forward the relevant measures to ensure the stable, healthy and rapid development of China's bancassurance.
【學位授予單位】：西南政法大學
【學位級別】：碩士
【學位授予年份】：2011
【分類號】：D922.28;F832.2

【引證文獻】

相關博士學位論文 前1條

1 李攀;我國銀行保險制度研究[D];首都經(jīng)濟貿(mào)易大學;2013年

相關碩士學位論文 前2條

1 周生斌;銀保新規(guī)后我國銀行保險發(fā)展研究[D];首都經(jīng)濟貿(mào)易大學;2013年

2 黃婷婷;我國銀行代理保險法律制度研究[D];江西財經(jīng)大學;2013年

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本文編號：1906031