【摘要】：銀行保險(xiǎn)的發(fā)展是經(jīng)濟(jì)全球化、金融自由化的產(chǎn)物，是金融混業(yè)發(fā)展的結(jié)果,在當(dāng)今世界金融一體化的進(jìn)程中，銀行保險(xiǎn)已成為全球性的經(jīng)濟(jì)現(xiàn)象。銀行保險(xiǎn)在發(fā)達(dá)國(guó)家經(jīng)過長(zhǎng)期的探索與發(fā)展，已經(jīng)從淺層次的合作代理模式逐漸演變?yōu)榻鹑诳毓晒灸Ｊ健Ｎ覈?guó)的銀行保險(xiǎn)起步相對(duì)滯后，但發(fā)展迅速，銀行保險(xiǎn)已經(jīng)成為保險(xiǎn)業(yè)的三大主要銷售渠道之一�，F(xiàn)有銀保合作模式主要以銀行和保險(xiǎn)公司之間的合作代理為主，該模式下存在諸多問題。目前，我國(guó)的銀行與保險(xiǎn)公司都已經(jīng)認(rèn)識(shí)到銀保合作對(duì)于提高自身經(jīng)營(yíng)業(yè)績(jī)、迎合金融業(yè)發(fā)展趨勢(shì)具有重要作用，一些銀行和保險(xiǎn)公司已經(jīng)嘗試向更深層次的合作模式發(fā)展。因此，借鑒發(fā)達(dá)國(guó)家銀行保險(xiǎn)合作模式的經(jīng)驗(yàn)，根據(jù)我國(guó)的金融環(huán)境，尋求適合的銀行保險(xiǎn)深層合作模式具有重要意義。 本文正是在這樣的背景下展開的，首先，從銀行保險(xiǎn)的理論基礎(chǔ)出發(fā)，介紹了西方銀行保險(xiǎn)發(fā)展的基本模式，對(duì)主要發(fā)達(dá)國(guó)家包括法國(guó)、德國(guó)、美國(guó)的銀行保險(xiǎn)合作模式進(jìn)行分析，總結(jié)其發(fā)展的經(jīng)驗(yàn)特點(diǎn)。其次，回顧了我國(guó)銀行保險(xiǎn)的發(fā)展歷程，對(duì)我國(guó)銀行保險(xiǎn)的現(xiàn)行合作模式進(jìn)行闡述，總結(jié)出我國(guó)銀行保險(xiǎn)在現(xiàn)行合作模式下存在的問題。再次，對(duì)我國(guó)的法律法規(guī)環(huán)境、市場(chǎng)需求環(huán)境、金融環(huán)境進(jìn)行分析，并通過實(shí)證研究，證明了有關(guān)加深銀行保險(xiǎn)股權(quán)合作的法律法規(guī)，對(duì)促進(jìn)銀行保險(xiǎn)深層（股權(quán)）合作以及實(shí)現(xiàn)銀行與保險(xiǎn)公司增加利潤(rùn)具有積極作用，，基于以上分析結(jié)果，提出選擇我國(guó)銀行保險(xiǎn)合作模式的依據(jù)及步驟，并得出金融控股公司模式是適合我國(guó)銀行保險(xiǎn)發(fā)展的模式。最后，提出完善我國(guó)銀行保險(xiǎn)合作模式的建議。
[Abstract]:The development of bancassurance is the product of economic globalization, financial liberalization and the result of mixed financial development. In the process of world financial integration, bancassurance has become a global economic phenomenon. After a long period of exploration and development in developed countries, bancassurance has evolved from a shallow cooperative agency model to a financial holding company model. Our country's bancassurance starts relatively lags behind, but develops rapidly, bancassurance has become one of the three main sales channels of the insurance industry. The existing cooperation mode between banks and insurance companies is mainly based on the cooperation between banks and insurance companies, and there are many problems in this mode. At present, both Chinese banks and insurance companies have realized that bancassurance cooperation plays an important role in improving their own business performance and catering to the development trend of the financial industry. Some banks and insurance companies have tried to develop to a deeper level of cooperation mode. Therefore, it is of great significance to learn from the experience of the cooperation model of bancassurance in developed countries and to seek suitable deep cooperation mode of bancassurance according to the financial environment of our country. This paper is launched in this context. First of all, from the theoretical basis of bancassurance, it introduces the basic model of the development of western bancassurance, including France, Germany, the main developed countries. The cooperation mode of American bancassurance is analyzed, and the characteristics of its development are summarized. Secondly, it reviews the development course of China's bancassurance, expounds the current cooperation mode of China's bancassurance, and summarizes the existing problems of China's bancassurance under the current cooperative mode. Thirdly, it analyzes the legal and regulatory environment, market demand environment and financial environment of our country, and proves the laws and regulations about deepening the cooperation of bank insurance stock right through the empirical research. It plays a positive role in promoting the deep (equity) cooperation between the bank and the insurance company and realizing the profit increase between the bank and the insurance company. Based on the above analysis results, the paper puts forward the basis and steps of choosing the cooperation mode of the bancassurance in our country. The model of financial holding company is suitable for the development of bancassurance in China. Finally, some suggestions are put forward to perfect the cooperation mode of bancassurance in China.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832;F842

【參考文獻(xiàn)】

中國(guó)期刊全文數(shù)據(jù)庫(kù) 前10條

1 張良華;法國(guó)銀行保險(xiǎn)簡(jiǎn)介[J];保險(xiǎn)研究;2001年06期

2 婁秋弟;;構(gòu)建我國(guó)銀行保險(xiǎn)的戰(zhàn)略聯(lián)盟合作模式:找準(zhǔn)價(jià)值創(chuàng)造點(diǎn)[J];保險(xiǎn)研究;2008年08期

3 崔勇;;我國(guó)銀行保險(xiǎn)發(fā)展的制度因素實(shí)證分析[J];保險(xiǎn)研究;2010年04期

4 王光宇;;我國(guó)銀行保險(xiǎn)的發(fā)展與轉(zhuǎn)型[J];銀行家;2009年04期

5 溫燕;銀行保險(xiǎn)發(fā)展環(huán)境比較及我國(guó)銀行保險(xiǎn)業(yè)發(fā)展模式選擇[J];金融論壇;2001年06期

6 彭雪梅;我國(guó)銀行保險(xiǎn)的比較研究及其模式設(shè)計(jì)[J];金融論壇;2001年10期

7 閭春飛;;淺析我國(guó)銀行保險(xiǎn)模式的優(yōu)化選擇[J];北方經(jīng)濟(jì);2010年06期

8 朱軍勇,遲曉英;銀行保險(xiǎn)在我國(guó)的發(fā)展及路徑選擇[J];經(jīng)濟(jì)縱橫;2005年04期

9 梁賀新;;論我國(guó)銀行保險(xiǎn)發(fā)展模式的選擇[J];金融經(jīng)濟(jì);2009年02期

10 劉穎;周延;;銀行保險(xiǎn)發(fā)展的經(jīng)濟(jì)學(xué)動(dòng)因及模式選擇[J];金融縱橫;2009年08期

中國(guó)博士學(xué)位論文全文數(shù)據(jù)庫(kù) 前1條

1 張廣華;銀行保險(xiǎn)制度研究及中國(guó)選擇[D];西南財(cái)經(jīng)大學(xué);2007年

中國(guó)碩士學(xué)位論文全文數(shù)據(jù)庫(kù) 前7條

1 孟可;論我國(guó)銀行保險(xiǎn)合作模式的發(fā)展方向[D];吉林大學(xué);2006年

2 劉淑平;中國(guó)的銀行保險(xiǎn)模式創(chuàng)新與轉(zhuǎn)型研究[D];吉林大學(xué);2007年

3 徐瓊英;我國(guó)銀行保險(xiǎn)的深層次發(fā)展：模式選擇及風(fēng)險(xiǎn)防范[D];西南財(cái)經(jīng)大學(xué);2007年

4 羅偉波;我國(guó)銀行保險(xiǎn)發(fā)展模式研究[D];蘇州大學(xué);2008年

5 李隆海;我國(guó)銀行保險(xiǎn)合作模式研究[D];暨南大學(xué);2008年

6 林麗璇;我國(guó)銀行保險(xiǎn)發(fā)展模式的研究[D];廈門大學(xué);2008年

7 張明珠;我國(guó)銀行保險(xiǎn)產(chǎn)品創(chuàng)新研究[D];西南財(cái)經(jīng)大學(xué);2009年

本文編號(hào)：2236885