本文選題：股權(quán)融合　切入點(diǎn)：我國　出處：《福州大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：銀行代理保險(xiǎn)業(yè)務(wù)(簡(jiǎn)稱銀行保險(xiǎn))起源于歐洲。迄今已成為全球性的金融現(xiàn)象,也是世界壽險(xiǎn)業(yè)最重要的保費(fèi)來源,是金融創(chuàng)新領(lǐng)域的一支新貴。進(jìn)入21世紀(jì)的前十年是中國銀行保險(xiǎn)業(yè)發(fā)展的黃金十年,2010年全國在銀行渠道代理銷售的保險(xiǎn)保費(fèi)收入突破5000億元、占據(jù)當(dāng)年壽險(xiǎn)新單保費(fèi)的50%以上。國內(nèi)的主要商業(yè)銀行和幾乎全部保險(xiǎn)公司對(duì)銀行保險(xiǎn)業(yè)務(wù)投入高度重視。但金融危機(jī)以來受宏觀調(diào)控、貨幣緊縮、資本市場(chǎng)回調(diào)和監(jiān)管政策趨緊等多重因素影響,銀行保險(xiǎn)遭遇增速減緩、競(jìng)爭(zhēng)加劇、成本攀升、產(chǎn)品吸引力下降等諸多問題,行業(yè)被動(dòng)進(jìn)入調(diào)整期。作為銀行保險(xiǎn)從業(yè)者,筆者注意到無論是監(jiān)管部門還是銀行業(yè)、保險(xiǎn)業(yè)均在努力通過各種方式,尋找適合國內(nèi)的銀行保發(fā)展之路。股權(quán)融合在銀行保險(xiǎn)發(fā)展的各種模式中成為很多銀行和保險(xiǎn)公司嘗試的新模式。那么在股融合的情況下銀行保險(xiǎn)未來將如何發(fā)展?作為市場(chǎng)參與主體保險(xiǎn)公司和銀行的戰(zhàn)略應(yīng)如何調(diào)整?作為監(jiān)管機(jī)構(gòu)應(yīng)如何引導(dǎo)和扶持行業(yè)發(fā)展?因此筆者試圖從行業(yè)歷史沿革、競(jìng)爭(zhēng)現(xiàn)狀和趨勢(shì)、國外發(fā)達(dá)市場(chǎng)成功經(jīng)驗(yàn)的分析,為了促進(jìn)銀行保險(xiǎn)的深入發(fā)展,筆者通過對(duì)股權(quán)融合的銀行保險(xiǎn)進(jìn)行理論實(shí)證,做了相應(yīng)的策略研究,并提出了相關(guān)的建議。論文首先通過對(duì)銀行保險(xiǎn)發(fā)展的基本現(xiàn)狀的介紹,闡述了股權(quán)融合下的銀行保險(xiǎn)發(fā)展的意義及研究方法。第二章介紹了銀行保險(xiǎn)發(fā)展的基本理論、戰(zhàn)略聯(lián)盟理論,為本文的研究提供理論依據(jù)；第三章通過分析我國銀行保險(xiǎn)發(fā)展的現(xiàn)狀和存在問題,指出股權(quán)融合的模式是現(xiàn)階段我國銀行保險(xiǎn)的發(fā)展模式的關(guān)鍵。第四章通過對(duì)我國國內(nèi)銀行和保險(xiǎn)公司的股權(quán)融合的現(xiàn)狀的介紹和案例分析,指出股權(quán)融合對(duì)是現(xiàn)階段銀行保險(xiǎn)發(fā)展推動(dòng)的作用。第五章利用SWOT分析方法對(duì)我國股權(quán)融合下銀行保險(xiǎn)進(jìn)行戰(zhàn)略層面的分析并提出相應(yīng)的解決策略。本論文的突出特點(diǎn)在于：一是以保險(xiǎn)從業(yè)者的視角結(jié)合監(jiān)管機(jī)構(gòu)、銀行觀點(diǎn),分析國內(nèi)外銀行保險(xiǎn)市場(chǎng)的歷史沿革；二是資料、信息和數(shù)據(jù)比較翔實(shí)全面,特別是發(fā)達(dá)市場(chǎng)的成功經(jīng)驗(yàn)、國內(nèi)市場(chǎng)的最新數(shù)據(jù)具備一定參考價(jià)值和實(shí)用性。三是本文對(duì)中國平安的股權(quán)融合案例分析,總結(jié)股權(quán)融合是未來銀行保險(xiǎn)重要發(fā)展方向之一。誠然,本文研究的方面還有諸多不足,例如中國金融業(yè)結(jié)構(gòu)有其獨(dú)特性及監(jiān)管政策的特殊之處,過去十年來國內(nèi)銀行保險(xiǎn)的發(fā)展也證明了國外經(jīng)驗(yàn)未必完全適用于中國。本文的寫作目的在于交流、探討提出建議,期望能夠?yàn)樾袠I(yè)持續(xù)健康發(fā)展貢獻(xiàn)一己之力。
[Abstract]:The bancassurance agency business (bancassurance) originated in Europe. So far, it has become a global financial phenomenon and the most important source of insurance premiums in the world's life insurance industry. The first decade of 21th century was a golden decade for the development of the insurance industry of the Bank of China. In 2010, the insurance premium income of the country's agency sales in banking channels exceeded 500 billion yuan. Accounting for more than 50% of the new life insurance premiums of that year. Major domestic commercial banks and almost all insurance companies attach great importance to the bancassurance business. But since the financial crisis, they have been subject to macro-control and monetary tightening. There are many factors, such as the capital market correction and the tightening of the regulatory policy, and so on. The bancassurance suffers from a slow growth rate, increased competition, rising costs, declining product attractiveness, and so on. The industry passively enters the adjustment period. As a bancassurance practitioner, The author notes that the insurance industry is trying to get through a variety of ways, both in the regulatory sector and in the banking sector. To find a suitable way for the development of banking insurance in China. Equity integration has become a new model for many banks and insurance companies in the various models of the development of bancassurance. So how will the future of bancassurance develop in the case of stock convergence? How to adjust the strategy of insurance companies and banks as the main body of market participation? How to guide and support the development of the industry as a regulatory body? Therefore, the author tries to analyze the history of the industry, the current situation and trend of competition, the successful experience of foreign developed markets, in order to promote the further development of bancassurance, the author carries on the theoretical demonstration to the stock right fusion bancassurance. At first, the paper introduces the basic status of the development of bancassurance. The second chapter introduces the basic theory of the development of bancassurance and the theory of strategic alliance, which provides the theoretical basis for the research of this paper. The third chapter analyzes the current situation and existing problems of the development of China's bancassurance. It is pointed out that the mode of equity convergence is the key to the development of China's bancassurance at the present stage. Chapter 4th introduces the present situation of equity convergence of domestic banks and insurance companies and analyzes the cases. It is pointed out that equity convergence is the driving force of the development of bancassurance at the present stage. Chapter 5th uses SWOT analysis method to analyze the strategic level of bancassurance under equity convergence in China and puts forward the corresponding solutions. The main features are as follows: first, it combines the regulatory agencies with insurance practitioners' perspective. From the perspective of banks, to analyze the historical evolution of the domestic and foreign bancassurance market; second, to have more comprehensive data, information and data, especially the successful experiences of developed markets. The latest data of the domestic market have certain reference value and practicability. Thirdly, this paper analyzes the case of China Ping an's equity convergence, and summarizes that equity integration is one of the important development directions of the future bancassurance. For example, the structure of China's financial industry is unique and the regulatory policy is unique. The development of domestic bancassurance over the past ten years has also proved that foreign experience may not be fully applicable to China. The purpose of this paper is to exchange ideas and make suggestions in the hope of contributing to the sustained and healthy development of the industry.
【學(xué)位授予單位】：福州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.3

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