本文選題：銀行保險 + 銀行保險模式��； 參考：《西南財經(jīng)大學(xué)》2013年碩士論文

【摘要】：銀行保險最早產(chǎn)生于法國,盛行于歐洲,銀行保險在美國和歐洲地區(qū)的發(fā)展最為成熟。20世紀(jì)80年代出現(xiàn)了銀行保險(Bancassurance)一詞,作為一種全新的保險銷售渠道,銀行保險兼顧了客戶、銀行、保險公司三方利益,對客戶來說,能夠?qū)嵭行枨蟮囊徽臼劫徺I需求,銀行保險能夠幫助保險公司拓寬銷售渠道,銀行業(yè)也希望能夠通過增加銷售產(chǎn)品種類—銀行保險產(chǎn)品,獲得額外的中間業(yè)務(wù)收入。在目前金融混業(yè)經(jīng)營趨勢下,銀行保險是銀行和保險行業(yè)合作和融合的必然產(chǎn)物。 本文從分析銀行保險產(chǎn)生的歷史背景出發(fā),結(jié)合典型國家銀行保險的發(fā)展歷程,總結(jié)可供我國借鑒學(xué)習(xí)的經(jīng)驗教訓(xùn)。共分為五個部分： 第一部分：緒論及本文的選題意義。主要介紹銀行保險的基本概念、本文選題的角度和意義分析,總結(jié)國內(nèi)外主流的銀行保險的觀點,介紹本文的研究方法及結(jié)構(gòu)。銀行保險產(chǎn)生于歐洲,起步于20世紀(jì)90年代,短短的十幾年的發(fā)展,經(jīng)歷了啟動、快速發(fā)展、相對規(guī)范發(fā)展三個階段。本文的選題主要從國內(nèi)外的銀行保險發(fā)展入手,分析發(fā)達國家、發(fā)達地區(qū)的成功經(jīng)驗,對我國的銀行保險發(fā)展提出幾點建議。 第二部分：介紹了銀行保險的起源和內(nèi)涵,將銀行保險的發(fā)展分為四個階段,即萌芽階段、興起階段、發(fā)展階段、成熟階段。從經(jīng)濟學(xué)理論中的規(guī)模經(jīng)濟、范圍經(jīng)濟、協(xié)同效應(yīng)、制度創(chuàng)新理論分析銀行保險的產(chǎn)生、興起和特點。銀行保險合作的模式分為四種：分析協(xié)議模式、戰(zhàn)略聯(lián)盟模式、合資公司模式、金融集團化模式。這四種模式各有優(yōu)劣,各國需選擇適合當(dāng)前國情的發(fā)展模式才能取得銀行保險發(fā)展的成功。 第三部分：國外及香港地區(qū)銀行保險典型案例分析�？梢钥闯�,銀行保險在不同國家、地區(qū)的發(fā)展都有其特色。法國作為銀行保險的起源地,其銀行保險一體化的水平也很高,法國的銀行保險發(fā)展監(jiān)管環(huán)境較寬松、產(chǎn)品有針對性、經(jīng)營模式多樣化；美國的銀行保險起步較晚,但他是通過銀行保險發(fā)展、促進金融業(yè)從分業(yè)經(jīng)營向混業(yè)經(jīng)營制度變遷的典型案例；香港地區(qū)的銀行保險發(fā)展極具地方特色,在合作模式、產(chǎn)品特色、等各方面都實行了本土化策略；這三個典型地區(qū)的銀行保險發(fā)展給我國銀行保險的發(fā)展提供了可借鑒的寶貴經(jīng)驗。 第四部分：對我國的銀行保險現(xiàn)狀做了概述。將我國的銀行保險發(fā)展分為四個階段,目前正處在銀行保險發(fā)展的恢復(fù)成長性階段。我國的銀行保險的特點為：監(jiān)管機制不到位、銀行的主動優(yōu)勢明顯、銀行保險產(chǎn)品結(jié)構(gòu)不合理、多重合作模式并存。筆者從中國工商銀行和新華保險的案例入手,分析其取得銀行保險業(yè)務(wù)成功的經(jīng)營,認(rèn)為我國的銀行和保險公司希望在銀行保險這一領(lǐng)域取得發(fā)展,需選擇適合自身的發(fā)展策略,對銀行保險的定位清晰準(zhǔn)確。在此基礎(chǔ)上,本部分還提出了我國銀行保險發(fā)展存在的一系列問題,例如銀行保險產(chǎn)品銷售的不規(guī)范性、手續(xù)費的違規(guī)操作、缺乏有力的技術(shù)支撐、缺乏專業(yè)的銀行保險人才、銀行保險產(chǎn)品稅收無優(yōu)惠等。 第五部分：結(jié)合國外經(jīng)驗和我國國情,對監(jiān)管環(huán)境、合作模式、具體措施等方面都提出了相應(yīng)的對策建議。從監(jiān)管環(huán)境來看,需要完善我國的銀行保險法律制度,防止出現(xiàn)監(jiān)管的真空地帶；消費者也需要樹立科學(xué)、合理的保險消費觀念,政府和保險行業(yè)需要擔(dān)負(fù)起引導(dǎo)消費者正確保險消費觀念的責(zé)任；在選擇合作模式方面,應(yīng)該鼓勵多種合作模式并存,銀行和保險公司可以根據(jù)自身業(yè)務(wù)發(fā)展情況選擇適合的合作模式；在銀行保險的產(chǎn)品研發(fā)方面,希望能夠做到產(chǎn)品差異化、功能個性化、生產(chǎn)合作化,滿足客戶的個性化需求；銀行和保險都需要致力于培養(yǎng)高水平的復(fù)合型人才,保障銀行保險產(chǎn)品的服務(wù)水平；大力發(fā)展信息技術(shù),為銀行保險發(fā)展提供技術(shù)支撐；銀行和保險公司需要建立有效的合作激勵制度,為合作的雙贏打下堅實的基礎(chǔ)。 總體來看,我國銀行保險自1995年開始,經(jīng)歷了十幾年的發(fā)展,從發(fā)展速度和業(yè)務(wù)規(guī)模來看都在不斷的進步,也有一些創(chuàng)新性的實踐。我國目前處于銀行保險發(fā)展的恢復(fù)成長性階段,同時銀行和保險公司的合作處于松散的協(xié)議分銷模式。我國的銀行保險市場發(fā)展迅速,但還存在著一些不盡如人意的地方,例如監(jiān)管體系的不完善、人才結(jié)構(gòu)不合理、銀行保險產(chǎn)品結(jié)構(gòu)不合理等等。這些問題在很大程度上阻礙了我國銀行保險的發(fā)展,也在一定程度上引發(fā)了客戶對銀行保險產(chǎn)品的反感。我國目前處于銀行保險發(fā)展的初級階段,要想取得長足的發(fā)展,需借鑒其他國家地區(qū)已有的成功經(jīng)驗,并結(jié)合我國實際情況,探索一條具有我國特色的發(fā)展道路,才能促進我國銀行保險行業(yè)健康有序的發(fā)展。 本文從我國銀行保險目前的實際情況出發(fā),總結(jié)發(fā)達地區(qū)銀行保險發(fā)展經(jīng)驗教訓(xùn),分析最新出臺的銀行保險新政,試圖對我國銀行保險存在的問題提出若干有針對性的建議。
[Abstract]:The bank insurance was first produced in France, prevailing in Europe, the most mature development of bank insurance in the United States and Europe, the word "Bancassurance" appeared in the 80s.20 century. As a brand new insurance sales channel, the bank insurance takes into account the three parties' interests of customers, banks and insurance companies. In order to demand the one-stop purchase demand, the bank insurance can help the insurance companies widen the sales channels, and the banking industry also hopes to gain extra middle business income by increasing the types of sales products - bank insurance products. In the current financial mixed operation trend, the bank insurance is the inevitable product of the cooperation and integration of the banks and the insurance industry.
Based on the analysis of the historical background of the emergence of the bank insurance and the development course of the typical national bank insurance, this paper sums up the lessons that can be used for reference in our country. It is divided into five parts:
The first part: introduction and the significance of this article. It mainly introduces the basic concept of bank insurance, the angle and significance of this article, summarizes the main stream of bank insurance at home and abroad, and introduces the research method and structure of this article. The bank insurance came into Europe in 1990s, and has experienced a short decade of development. Starting, rapid development and relative standard development three stages. This paper mainly starts with the development of bank insurance at home and abroad, analyzes the successful experience of developed countries and developed regions, and puts forward some suggestions on the development of China's banking insurance.
The second part introduces the origin and connotation of the bank insurance, and divides the development of the bank insurance into four stages, namely, the germination stage, the rise stage, the development stage and the mature stage. From the economic theory of scale economy, scope economy, synergy effect, and system innovation theory, the emergence and characteristics of bank insurance are analyzed, and the cooperation of bank insurance. The model is divided into four types: the analysis of the agreement mode, the strategic alliance model, the joint venture model and the financial collectivization model. These four models have their own advantages and disadvantages, and each country needs to choose the development model suitable for the current national conditions to achieve the success of the development of the bank insurance.
The third part: the typical case analysis of the foreign and Hongkong area bank insurance. It can be seen that the development of the bank insurance has its own characteristics in different countries and regions. As the origin of the bank insurance, the level of the integration of the bank insurance is high, the regulatory environment of the development of the French banking insurance is relatively loose, the product is pertinent, and the management model is the model. The bank insurance in the United States started late, but he was a typical case of the change of the financial industry from separate operation to mixed operation through the development of the bank insurance. The development of the banking insurance in the Hongkong region has the local characteristics, and the localization strategy has been carried out in the cooperation model, the product characteristics and other aspects; the three typical areas have been implemented. The development of bancassurance has provided valuable experience for the development of Bancassurance in China.
The fourth part: the present situation of China's bank insurance is summarized. The development of China's bank insurance is divided into four stages, and it is at the stage of the recovery and growth of the development of the bank insurance. The characteristics of the bank insurance in China are that the regulatory mechanism is not in place, the active advantage of the bank is obvious, the structure of the bank insurance products is unreasonable, and the multiple cooperation is carried out. From the case of ICBC and Xinhua insurance, the author analyzes the successful operation of the bank insurance business from the case of ICBC and Xinhua insurance. It is believed that the banks and insurance companies in our country hope to develop in the field of bank insurance, and should choose their own development strategies, and the positioning of the bank insurance is clear and accurate. On this basis, this department is on the basis of this It also puts forward a series of problems in the development of China's bank insurance, such as the non standard of the sale of the bank insurance products, the illegal operation of the formalities, the lack of strong technical support, the lack of professional bank insurance personnel, and the no preferential tax on the bank insurance products.
The fifth part: according to the foreign experience and the national conditions of our country, we put forward the corresponding countermeasures and suggestions on the supervision environment, the mode of cooperation and the concrete measures. From the supervision environment, it is necessary to improve the legal system of our country's Bank Insurance and prevent the emergence of the vacuum zone of supervision; the consumer also needs to establish a scientific and reasonable concept of insurance consumption. The government and the insurance industry need to take the responsibility of guiding the consumer's correct insurance consumption concept. In the choice of cooperation mode, many cooperation modes should be encouraged to coexist. Banks and insurance companies can choose the suitable cooperative mode according to their own business development. In the field of product research and development of Bank insurance, we hope to achieve the product. The difference, the function individuation, the production cooperation, meets the customer's individualized demand; the bank and the insurance all need to develop the high level of compound talent, guarantee the service level of the bank insurance product; develop the information technology vigorously to provide the technical support for the development of the bank insurance; the bank and the insurance company need to establish effective cooperation The incentive system lays a solid foundation for win-win cooperation.
On the whole, China's banking insurance has been developing for more than ten years since 1995. From the speed of development and the scale of business, there are continuous progress and some innovative practice. At present, our country is in the stage of the recovery and growth of the development of the bank insurance, and the cooperation between the bank and the insurance company is in a loose agreement distribution mode. The country's banking insurance market has developed rapidly, but there are still some unsatisfactory places, such as the imperfect supervision system, the irrational structure of talents, the irrational structure of the bank insurance products and so on. These problems have greatly hindered the development of China's banking insurance and, to a certain extent, caused the customer's insurance production to the bank. Our country is at the primary stage of the development of the bank insurance. In order to make great progress, we need to learn from the successful experience of other countries, and explore a road of development with our own characteristics in order to promote the healthy and orderly development of the insurance industry in our country.
Based on the current actual situation of China's bank insurance, this paper summarizes the experience and lessons of the development of the developed region bank insurance, analyzes the latest new policy of bank insurance, and tries to put forward some pertinent suggestions on the problems existing in China's banking insurance.
【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2;F842

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1 黃紅虎;銀行保險發(fā)展的國際經(jīng)驗及其對我國的借鑒[D];蘇州大學(xué);2008年

2 禹茳;銀行保險產(chǎn)品問題研究[D];首都經(jīng)濟貿(mào)易大學(xué);2008年

3 王森;我國銀行保險營銷策略研究[D];天津大學(xué);2008年

4 張漢萍;我國銀行保險發(fā)展對策研究[D];廈門大學(xué);2008年

5 林麗璇;我國銀行保險發(fā)展模式的研究[D];廈門大學(xué);2008年

6 孔令飛;我國銀行保險發(fā)展模式研究[D];江蘇大學(xué);2008年

7 許麗華;我國銀行保險的風(fēng)險防范研究[D];河北大學(xué);2007年

8 晉穎;我國銀行保險發(fā)展模式的選擇[D];河北大學(xué);2008年

9 楊繼偉;我國銀行保險之渠道整合研究[D];西南財經(jīng)大學(xué);2009年

10 柯翌娜;金融混業(yè)經(jīng)營趨勢下我國銀行保險的發(fā)展戰(zhàn)略[D];山西財經(jīng)大學(xué);2010年

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