【摘要】：隨著全球經(jīng)濟(jì)和金融的迅速發(fā)展,越來(lái)越多的貿(mào)易活動(dòng)采用了商業(yè)信用或者銀行信用的交易方式。金融業(yè)有向混業(yè)經(jīng)營(yíng)發(fā)展的趨勢(shì),不同金融機(jī)構(gòu)之間希望通過(guò)合作來(lái)擴(kuò)大市場(chǎng)份額,提高經(jīng)濟(jì)效益。近年來(lái),商業(yè)銀行和保險(xiǎn)公司在銀保產(chǎn)品方面的合作發(fā)展非常迅速,商業(yè)銀行正在尋求更多的貿(mào)易金融業(yè)務(wù)創(chuàng)新,保險(xiǎn)公司也力圖在信用交易中獲得更多的保費(fèi)收入。筆者認(rèn)為,保險(xiǎn)公司和商業(yè)銀行可以在貿(mào)易方面進(jìn)行更深的合作。信用保險(xiǎn)和銀行保理這兩種業(yè)務(wù)之間既存在互補(bǔ)性又存在競(jìng)爭(zhēng)性,如果能充分挖掘其合作可行性與方式,不僅能夠提高商業(yè)銀行和保險(xiǎn)公司的盈利能力和競(jìng)爭(zhēng)力,同時(shí)也能促進(jìn)銀保合作的進(jìn)一步發(fā)展,推進(jìn)金融機(jī)構(gòu)向混業(yè)經(jīng)營(yíng)模式轉(zhuǎn)變。目前,研究信用保險(xiǎn)與銀行保理之間合作問(wèn)題的學(xué)者非常少,對(duì)兩者的合作進(jìn)行更深的理論分析和現(xiàn)實(shí)探討,是一個(gè)非常重要的課題。 本文在現(xiàn)有研究的基礎(chǔ)上,論述了我國(guó)信用保險(xiǎn)和銀行保理的合作發(fā)展問(wèn)題。本文的主要的結(jié)構(gòu)如下：第一章導(dǎo)論,主要闡述了選題背景和意義,對(duì)現(xiàn)有文獻(xiàn)進(jìn)行整理分析,提出研究方案等；第二章論述了我國(guó)國(guó)內(nèi)外貿(mào)易發(fā)展現(xiàn)狀、金融混業(yè)經(jīng)營(yíng)發(fā)展現(xiàn)狀、社會(huì)信用體系建設(shè)現(xiàn)狀、信用保險(xiǎn)和銀行保理的發(fā)展及合作現(xiàn)狀；第三章分析了制約我國(guó)信用保險(xiǎn)與銀行保理合作的障礙,如政府支持監(jiān)督力度不夠、信用交易不足、金融市場(chǎng)不完善、業(yè)務(wù)經(jīng)營(yíng)方面的不足、信用機(jī)制不完善、兩者的競(jìng)爭(zhēng)性、意識(shí)缺失等；第四章從多個(gè)角度對(duì)我國(guó)信用保險(xiǎn)與銀行保理進(jìn)一步合作發(fā)展的必要性和可行性進(jìn)行了分析,一方面,從金融機(jī)構(gòu)混業(yè)經(jīng)營(yíng)發(fā)展模式、中國(guó)經(jīng)濟(jì)貿(mào)易發(fā)展對(duì)兩者的需求、商業(yè)銀行的必然選擇、發(fā)展保險(xiǎn)業(yè)的需要等角度闡述了必要性,另一方面,從銀行和保險(xiǎn)公司合作意識(shí)增強(qiáng),兩者具有互補(bǔ)性,國(guó)外信用保險(xiǎn)、銀行保理以及銀保合作等經(jīng)驗(yàn)借鑒角度闡述了可行性；第五章設(shè)想了兩者合作的多種方式和領(lǐng)域,如產(chǎn)品和業(yè)務(wù)創(chuàng)新方面、風(fēng)險(xiǎn)管理的合作以及其他合作等；第六章從國(guó)家政策、信用體制建設(shè)、銀行和保險(xiǎn)公司層面多個(gè)角度提出了相應(yīng)的政策建議,以期促進(jìn)信用保險(xiǎn)和銀行保理的合作發(fā)展。
[Abstract]:With the rapid development of global economy and finance, more and more trade activities adopt commercial credit or bank credit. The financial industry has the tendency to develop into mixed operation. Different financial institutions hope to expand market share and improve economic efficiency through cooperation. In recent years, the cooperation between commercial banks and insurance companies in the field of banking and insurance products has developed very rapidly. Commercial banks are seeking more innovation in trade and finance business, and insurance companies are also trying to obtain more premium income in credit transactions. The author believes that insurance companies and commercial banks can carry out deeper cooperation in trade. Credit insurance and bank factoring are both complementary and competitive. If we can fully tap the feasibility and mode of cooperation, we can not only improve the profitability and competitiveness of commercial banks and insurance companies. At the same time, it can promote the further development of bancassurance cooperation and promote the transformation of financial institutions to mixed operation mode. At present, there are few scholars who study the cooperation between credit insurance and bank factoring. Based on the existing research, this paper discusses the cooperative development of credit insurance and bank factoring in China. The main structure of this paper is as follows: the first chapter introduces the background and significance of the topic, analyzes the existing literature, and puts forward the research plan. The second chapter discusses the current situation of domestic and foreign trade development, the development of financial mixed operation, the construction of social credit system, the development and cooperation of credit insurance and bank factoring. The third chapter analyzes the obstacles that restrict the cooperation between credit insurance and bank factoring in China, such as insufficient government support and supervision, insufficient credit transaction, imperfect financial market, insufficient business operation, imperfect credit mechanism, and competition between the two. Lack of consciousness; The fourth chapter analyzes the necessity and feasibility of further cooperation between China's credit insurance and bank factoring from several angles. On the one hand, from the mode of mixed operation development of financial institutions and the demand of China's economic and trade development, The inevitable choice of commercial banks and the need to develop the insurance industry are expounded. On the other hand, from the perspective of the strengthening of the cooperation consciousness between banks and insurance companies, the two are complementary, foreign credit insurance, The feasibility of bank factoring and bancassurance cooperation is expounded. Chapter V envisages a variety of ways and areas of cooperation between the two, such as product and business innovation, risk management cooperation and other cooperation; The sixth chapter puts forward the corresponding policy suggestions from the aspects of national policy, credit system construction, banks and insurance companies, in order to promote the cooperative development of credit insurance and bank factoring.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2;F842.6

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本文編號(hào)：2300184