發(fā)布時(shí)間：2018-06-17 18:53

  本文選題：銀行保險(xiǎn) + 現(xiàn)狀　； 參考：《山東大學(xué)》2012年碩士論文

【摘要】：近幾年,金融行業(yè)競(jìng)爭(zhēng)加劇,歐元區(qū)的出現(xiàn)也加速了全球金融一體化的發(fā)展。我國(guó)隨著金融改革的不斷推進(jìn),也出現(xiàn)了金融行業(yè)混業(yè)經(jīng)營(yíng)的趨勢(shì)。在金融行業(yè)的混業(yè)經(jīng)營(yíng)中,銀行業(yè)與保險(xiǎn)業(yè)的融合尤為為突出,這種融合的過(guò)程就是銀保合作的過(guò)程。本文就是在這樣的背景下,闡述銀保合作的定義,通過(guò)案例總結(jié)分析我國(guó)銀保合作的發(fā)展策略和模式,從中發(fā)現(xiàn)我國(guó)銀保合作發(fā)展中存在的問(wèn)題,并提供了解決方案。 本文從渠道說(shuō)、產(chǎn)品服務(wù)說(shuō)和經(jīng)營(yíng)策略說(shuō)三個(gè)方面從理論分析的基礎(chǔ)上對(duì)銀行保險(xiǎn)的定義進(jìn)行了闡述。同時(shí),本文對(duì)于銀行保險(xiǎn)從萌芽、起步、成熟和后成熟四個(gè)階段進(jìn)行了論述,并對(duì)我國(guó)銀行保險(xiǎn)的發(fā)展動(dòng)因進(jìn)行了多角度分析。 本文通過(guò)對(duì)國(guó)外主要國(guó)家的銀保發(fā)展模式進(jìn)行分析和比較,發(fā)現(xiàn)歐洲的銀行業(yè)與保險(xiǎn)業(yè)合作較早,最早起源于法國(guó),隨后在歐洲其他各國(guó)開(kāi)始逐漸興盛。法國(guó)銀行保險(xiǎn)行業(yè)的巨大成功,積極推動(dòng)了整個(gè)歐洲銀行與保險(xiǎn)行業(yè)的深度整合,同時(shí)也促進(jìn)了美國(guó)銀行保險(xiǎn)行業(yè)的發(fā)展。通過(guò)分析發(fā)現(xiàn),國(guó)外銀保行業(yè)的發(fā)展趨勢(shì)都是從最初的簡(jiǎn)單銀行代理模式向戰(zhàn)略合作關(guān)系過(guò)渡,最終發(fā)展到股權(quán)合作模式。無(wú)論是交叉持股還是新設(shè)持股都促進(jìn)了保險(xiǎn)公司和銀行企業(yè)的深度融合,也大大促進(jìn)了銀保渠道的健康發(fā)展。 對(duì)于國(guó)內(nèi)的銀行保險(xiǎn)合作模式的發(fā)展研究,本文主要選取工商銀行、郵儲(chǔ)銀行、農(nóng)業(yè)銀行、建設(shè)銀行以及平安保險(xiǎn)集團(tuán)等具有代表性企業(yè)的銀保合作模式進(jìn)行闡述和分析,展示了我國(guó)現(xiàn)階段銀保合作的主要模式及銀保合作的發(fā)展。通過(guò)分析發(fā)現(xiàn)2008年之前我國(guó)的銀保合作還處于以銀行代理為主的淺層次合作的初級(jí)階段,這個(gè)階段基本采用的是“多對(duì)多”的合作模式。隨著我國(guó)銀保行業(yè)的不斷發(fā)展,我國(guó)銀保行業(yè)也開(kāi)始與國(guó)際接軌,逐漸由簡(jiǎn)單的銀行代理模式開(kāi)始向股權(quán)合作模式發(fā)展。 本文的最后指出我國(guó)現(xiàn)階段銀保合作還存在諸多問(wèn)題：諸如競(jìng)爭(zhēng)過(guò)于激烈、產(chǎn)品和銷(xiāo)售模式過(guò)于單一等等,并針對(duì)現(xiàn)階段我國(guó)銀保合作中存在的問(wèn)題提出了只有強(qiáng)化銀保合作聯(lián)盟,加強(qiáng)股權(quán)合作才是解決現(xiàn)階段銀保問(wèn)題的辦法。
[Abstract]:In recent years, competition in the financial sector has intensified, and the emergence of the euro zone has accelerated the development of global financial integration. With the development of financial reform in China, there is a trend of mixed operation in financial industry. In the mixed operation of financial industry, the integration of banking and insurance is particularly prominent, and the process of integration is the process of bancassurance cooperation. Under this background, this paper expounds the definition of bancassurance cooperation, summarizes and analyzes the development strategies and models of bancassurance cooperation in China through case studies, finds out the problems existing in the development of bancassurance cooperation in China, and provides solutions. This paper expounds the definition of bancassurance on the basis of theoretical analysis from three aspects: channel theory, product service theory and management strategy theory. At the same time, this paper discusses the four stages of bancassurance from germination, start, maturity and post-maturity, and analyzes the development motivation of bancassurance in China from various angles. Based on the analysis and comparison of the development models of bancassurance in major foreign countries, it is found that the cooperation between banking and insurance in Europe was earlier, originated in France, and then began to flourish in other European countries. The great success of the French bancassurance industry has actively promoted the deep integration of the European banks and the insurance industry as well as the development of the American bancassurance industry. Through analysis, it is found that the development trend of foreign banking and insurance industry is from the initial simple bank agent model to the strategic cooperative relationship, and finally to the equity cooperation mode. Both cross-shareholding and new shareholding promote the deep integration of insurance companies and banking enterprises, and also greatly promote the healthy development of the channel of Bancassurance. For the development of domestic bancassurance cooperation model, this paper mainly selects ICBC, Postal savings Bank, Agricultural Bank, China Construction Bank, Ping an Insurance Group and other representative enterprises to elaborate and analyze the bancassurance cooperation model. It shows the main mode and the development of the bancassurance cooperation at present in our country. It is found that the cooperation between banks and insurance companies in China before 2008 is still in the initial stage of shallow cooperation with bank agents, which basically adopts a "many-to-many" mode of cooperation. With the continuous development of China's banking and insurance industry, China's banking insurance industry has begun to connect with the international, gradually from the simple bank agent model to the equity cooperation model. At the end of this paper, we point out that there are still many problems in the cooperation of bank and insurance in our country at the present stage, such as the competition is too fierce, the product and sales mode is too single, etc. Aiming at the problems existing in the current cooperation between the banks and insurance companies in our country, this paper puts forward that only strengthening the cooperation alliance of the banks and insurance companies and strengthening the equity cooperation are the solutions to the problems of the banks and insurance companies at the present stage.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F842.4;F832.2

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