本文關(guān)鍵詞： 金融一體化 銀保新規(guī) 銀行保險　出處：《遼寧師范大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著近年來銀行保險業(yè)務(wù)在國內(nèi)市場的快速發(fā)展，銀行保險也引起了國內(nèi)金融界和學(xué)術(shù)界的重視，銀行保險市場也出現(xiàn)了一些誤導(dǎo)銷售、市場混亂的問題，因此銀監(jiān)會保監(jiān)會聯(lián)合發(fā)布了一系列的新規(guī)定來規(guī)范銀行保險市場，銀行保險在我國應(yīng)該選擇什么樣的發(fā)展道路成為國內(nèi)銀行界和保險界的新問題。本文采用了比較分析法，通過對相關(guān)文獻(xiàn)資料和數(shù)據(jù)的調(diào)查研究，主要闡述了銀行保險、銀保新規(guī)、國內(nèi)銀行保險的發(fā)展?fàn)顩r以及國外銀行保險市場的經(jīng)驗借鑒，論證了目前國內(nèi)銀行保險存在的問題以及銀保新規(guī)出臺后對國內(nèi)銀行保險市場的影響，從而試找在銀行新規(guī)出臺后中國銀行保險的發(fā)展方向和出路。 銀行保險的內(nèi)涵有廣義和狹義之分，而本文所討論的銀行保險主要為狹義的銀行保險，說明銀行保險產(chǎn)生的時間背景以及產(chǎn)生的原因，，主要是因為人口比例結(jié)構(gòu)、經(jīng)濟結(jié)構(gòu)和消費者的需求變化而產(chǎn)生的，銀行保險的本質(zhì)實際上是一種金融一體化下銀行和保險混合創(chuàng)新的產(chǎn)物。 本文第一部分主要闡述了我國銀行保險市場目前的發(fā)展?fàn)顩r，國內(nèi)銀行保險發(fā)展的歷程和特點，指出我國銀行保險存在的問題，如產(chǎn)品、技術(shù)水平、人員素質(zhì)和社會制度環(huán)境問題；第二部分主要闡述了銀保新規(guī)出臺的背景和深層次的影響，說明了銀保新規(guī)的出臺短期內(nèi)對銀行保險市場沖擊的影響以及長期對規(guī)范市場的利好影響；第三部分主要通過分析國外銀行保險市場的發(fā)展歷程和合作模式，以及縱觀國際上銀行保險的發(fā)展趨勢，從而得出國內(nèi)發(fā)展銀行保險可以借鑒的經(jīng)驗；第四部分主要探討了針對目前中國銀行保險的問題，以及銀保新規(guī)出臺的背景下，應(yīng)該從創(chuàng)新銀保產(chǎn)品、提高銀保工作人員素質(zhì)、發(fā)展深度合作模式、提高技術(shù)水平和加強監(jiān)管落實五個方面做出努力，以促進(jìn)和改善銀行保險市場，讓銀行保險健康迅速的發(fā)展起來。
[Abstract]:With the rapid development of the bancassurance business in the domestic market in recent years, bancassurance has also aroused the attention of the domestic financial and academic circles, and the bancassurance market has also appeared some misguided sales and market confusion problems. Therefore, the CBRC has jointly issued a series of new regulations to standardize the bancassurance market. What kind of development path should be chosen for bancassurance in China has become a new problem for domestic banks and insurers. Through the investigation and research on the relevant literature and data, this paper mainly expounds the development of bancassurance, new rules of bancassurance, the development of domestic bancassurance and the experience of foreign bancassurance market. This paper demonstrates the problems existing in the domestic bancassurance and the influence on the domestic bancassurance market after the new bancassurance regulations are issued, and tries to find the development direction and the way out of the Chinese bancassurance after the new rules are issued. The connotation of bancassurance is divided into broad sense and narrow sense, and the bancassurance discussed in this paper is mainly a narrow sense of bancassurance, which explains the time background of bancassurance and the reasons, mainly because of the proportion of population. The nature of bancassurance is actually the result of the mixed innovation of banking and insurance under the financial integration caused by the change of economic structure and consumer demand. The first part of this paper mainly describes the current development of China's bancassurance market, the course and characteristics of the development of domestic bancassurance, points out the problems existing in China's bancassurance, such as products, technical level, etc. The second part mainly expounds the background and the deep influence of the new regulations. It explains the impact of the new bancassurance regulation on the bancassurance market in the short term and the long-term positive impact on the standardized market. The third part mainly through the analysis of the development of foreign bancassurance market and cooperation model. As well as the development trend of international bancassurance, the experience of domestic development bancassurance can be drawn. Part 4th mainly discusses the problems of China's bancassurance at present, and the background of new bancassurance regulations. In order to promote and improve the bancassurance market, we should make efforts in five aspects: innovating bank insurance products, improving the quality of bank insurance staff, developing the mode of deep cooperation, improving the technical level and strengthening supervision and implementation. Let the bank insurance health and rapid development.
【學(xué)位授予單位】：遼寧師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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本文編號：1504416