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

【摘要】：銀行代理保險業(yè)務(簡稱銀行保險)起源于歐洲。迄今已成為全球性的金融現(xiàn)象,也是世界壽險業(yè)最重要的保費來源,是金融創(chuàng)新領域的一支新貴。進入21世紀的前十年是中國銀行保險業(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保費收入突破5000億元、占據(jù)當年壽險新單保費的50%以上。國內(nèi)的主要商業(yè)銀行和幾乎全部保險公司對銀行保險業(yè)務投入高度重視。但金融危機以來受宏觀調(diào)控、貨幣緊縮、資本市場回調(diào)和監(jiān)管政策趨緊等多重因素影響,銀行保險遭遇增速減緩、競爭加劇、成本攀升、產(chǎn)品吸引力下降等諸多問題,行業(yè)被動進入調(diào)整期。作為銀行保險從業(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)融合在銀行保險發(fā)展的各種模式中成為很多銀行和保險公司嘗試的新模式。那么在股融合的情況下銀行保險未來將如何發(fā)展?作為市場參與主體保險公司和銀行的戰(zhàn)略應如何調(diào)整?作為監(jiān)管機構(gòu)應如何引導和扶持行業(yè)發(fā)展?因此筆者試圖從行業(yè)歷史沿革、競爭現(xiàn)狀和趨勢、國外發(fā)達市場成功經(jīng)驗的分析,為了促進銀行保險的深入發(fā)展,筆者通過對股權(quán)融合的銀行保險進行理論實證,做了相應的策略研究,并提出了相關的建議。論文首先通過對銀行保險發(fā)展的基本現(xiàn)狀的介紹,闡述了股權(quán)融合下的銀行保險發(fā)展的意義及研究方法。第二章介紹了銀行保險發(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)階段我國銀行保險的發(fā)展模式的關鍵。第四章通過對我國國內(nèi)銀行和保險公司的股權(quán)融合的現(xiàn)狀的介紹和案例分析,指出股權(quán)融合對是現(xiàn)階段銀行保險發(fā)展推動的作用。第五章利用SWOT分析方法對我國股權(quán)融合下銀行保險進行戰(zhàn)略層面的分析并提出相應的解決策略。本論文的突出特點在于：一是以保險從業(yè)者的視角結(jié)合監(jiān)管機構(gòu)、銀行觀點,分析國內(nèi)外銀行保險市場的歷史沿革；二是資料、信息和數(shù)據(jù)比較翔實全面,特別是發(fā)達市場的成功經(jīng)驗、國內(nèi)市場的最新數(shù)據(jù)具備一定參考價值和實用性。三是本文對中國平安的股權(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)銀行保險的發(fā)展也證明了國外經(jīng)驗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,期望能夠為行業(yè)持續(xù)健康發(fā)展貢獻一己之力。
[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.
【學位授予單位】：福州大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.3

【參考文獻】

相關期刊論文 前10條

1 賈兆德;廉菁樂;;對互聯(lián)網(wǎng)企業(yè)進軍金融領域的思考[J];現(xiàn)代經(jīng)濟信息;2013年11期

2 戴武堂;;居民收入倍增目標探析[J];創(chuàng)新;2012年06期

3 王冬潔;;我國保險公司與銀行的業(yè)務合作研究[J];淮海工學院學報(人文社會科學版);2012年06期

4 楊霞;;股權(quán)融合下的中國銀行保險新發(fā)展:理論與實證[J];保險研究;2011年11期

5 崔勇;;我國銀行保險發(fā)展的制度因素實證分析[J];保險研究;2010年04期

6 袁成;裴平;;歐洲銀行保險的發(fā)展及其對中國的啟示[J];金融論壇;2009年04期

7 吳洪濤;;對我國商業(yè)銀行發(fā)展銀行保險業(yè)務的思考[J];南方金融;2008年06期

8 陳音子;劉金;;中外銀行保險發(fā)展環(huán)境比較[J];國際商務研究;2007年02期

9 朱文杰;;銀行保險模式與中國的戰(zhàn)略選擇[J];金融教學與研究;2007年01期

10 鄧志清;;香港匯豐集團銀行保險的經(jīng)驗及其啟示[J];國際金融研究;2006年09期

相關博士學位論文 前1條

1 陳耀;企業(yè)戰(zhàn)略聯(lián)盟持續(xù)競爭優(yōu)勢研究[D];南京理工大學;2003年

相關碩士學位論文 前2條

1 童健翔;我國金融業(yè)混業(yè)經(jīng)營的現(xiàn)實選擇和風險控制[D];合肥工業(yè)大學;2007年

2 王婷婷;我國發(fā)展銀行保險業(yè)的國際比較研究[D];沈陽工業(yè)大學;2005年

，

本文編號：1636565