本文關鍵詞： 商業(yè)銀行 河北建行 保險業(yè)務 發(fā)展戰(zhàn)略　出處：《河北工業(yè)大學》2012年碩士論文　論文類型：學位論文

【摘要】：銀行保險業(yè)務在商業(yè)銀行中間業(yè)務收入中占據(jù)著舉足輕重的地位。但是隨著競爭的日益激烈，不可避免地出現(xiàn)了粗放經(jīng)營問題，客戶投訴急劇增加，直接影響了銀行的社會形象。為了規(guī)范銀行保險市場，銀監(jiān)會和保監(jiān)會聯(lián)合發(fā)文，取消了駐點銷售，并下發(fā)了一系列規(guī)范要求，給銀行保險業(yè)務發(fā)展帶來了巨大沖擊，銀行保險銷售迅速下滑。建設銀行河北省分行（以下簡稱“河北建行”）作為省內(nèi)四大銀行之一，同樣受到了政策的嚴重沖擊。對商業(yè)銀行的代理保險業(yè)務進行研究，為河北建行的代理保險業(yè)務快速走出“衰退”階段，，成功實現(xiàn)業(yè)務轉(zhuǎn)型具有重要的現(xiàn)實意義。 本文以河北建行代理保險業(yè)務為研究對象，以經(jīng)濟學、貨幣銀行學、保險學、消費心理學等為理論基礎，采用理論分析和實證分析相結合、定性分析與定量分析相結合、歸納分析與演繹分析相結合的方法，結合國外銀行保險業(yè)務發(fā)展的先進經(jīng)驗，對河北建行代理保險業(yè)務的發(fā)展形勢、同業(yè)競爭力和外部經(jīng)營環(huán)境進行了深入分析，在此基礎上從銀行和保險公司的合作、銀行保險業(yè)務產(chǎn)品的調(diào)整、銀行保險業(yè)務客戶挖掘、銀行保險業(yè)務的銷售模式等方面提出了河北建行未來代理保險業(yè)務的發(fā)展策略。
[Abstract]:The bancassurance business plays an important role in the intermediate business income of commercial banks. However, with the increasingly fierce competition, the problem of extensive operation inevitably appears, and customer complaints increase sharply. Directly affected the social image of banks. In order to standardize the bancassurance market, CBRC and CIRC jointly issued papers, cancelled the stop point sales, and issued a series of regulatory requirements. The development of bancassurance business has brought a huge impact, bancassurance sales fell rapidly. Hebei Branch of China Construction Bank (hereinafter referred to as "Hebei Construction Bank") as one of the four major banks in the province. The agency insurance business of commercial banks is studied, which is a rapid step out of the "recession" for Hebei Construction Bank's agency insurance business. Successful business transformation has important practical significance. In this paper, Hebei Construction Bank agent insurance business as the research object, with economics, monetary banking, insurance, consumer psychology as the theoretical basis, using theoretical analysis and empirical analysis. Combining the qualitative analysis with quantitative analysis, the combination of inductive analysis and deductive analysis, combined with the advanced experience of foreign bancassurance business development, Hebei Construction Bank agent insurance business development situation. On this basis, the cooperation between banks and insurance companies, the adjustment of bancassurance business products, and the mining of bancassurance business customers are analyzed in depth. The development strategy of Hebei Construction Bank's future agent insurance business is put forward in the aspects of sales mode of bancassurance business.
【學位授予單位】：河北工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F272;F832.2

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