本文選題：人身保險 + 香港��； 參考：《對外經(jīng)濟貿(mào)易大學(xué)》2017年碩士論文

【摘要】：近年來,隨著海內(nèi)外保險業(yè)務(wù)范圍的逐漸擴大,國內(nèi)保險業(yè)發(fā)展增速顯著。但是伴隨改革開放的進一步加深,國內(nèi)人身保險行業(yè)面對來自海外市場的逐步滲透,也面臨著嚴峻的形勢和挑戰(zhàn)。尤其是自“811”匯改以來,人民幣出現(xiàn)持續(xù)貶值,在這樣的形勢下,香港人身保險兼具保障功能、美元資產(chǎn)配置功能以及稅務(wù)籌劃功能的特點,成為境內(nèi)投保人競相追逐的優(yōu)質(zhì)海外投資標的。本文首先從總體上分析了人身保險的相關(guān)理論。其次,以香港人身保險的發(fā)展為切入點,將之與境內(nèi)人身保險對比,從而發(fā)現(xiàn)境內(nèi)人身保險現(xiàn)存的問題。最終得出結(jié)論,并提出可行性建議。香港人身保險發(fā)展歷史悠久,具備相對完善的監(jiān)管制度。首先,主要體現(xiàn)在立法對人身保險公司償付能力要求較低,有嚴格的市場準入制度,對于部分違法行為上升至刑事責任的高度,以及中介監(jiān)管從“自律”走向“他律”的監(jiān)管側(cè)重等方面。其次,近些年,香港人身保險公司開始打造“合資公司”、“金融服務(wù)集團”的保險高級發(fā)展模式,這種模式高度依賴于銀行及保險公司對合作利益理性追求的“滿意度”。境內(nèi)雖然明確分業(yè)經(jīng)營的金融發(fā)展模式,但各家銀行也紛紛開始以收購人身保險公司的方式將銀保合作逐漸向混業(yè)經(jīng)營靠近。本文將以中國銀行收購中航三星人壽保險公司為例進行深入分析和探討。最后通過本文的系統(tǒng)性分析,提出境內(nèi)發(fā)展人身保險的可行性建議,包括進一步完善立法和監(jiān)管制度,加強銀保深入合作,提升服務(wù)水平,讓產(chǎn)品更加簡單而豐富,這些才是調(diào)整境內(nèi)人身保險行業(yè)供給側(cè)的立足之本,也是維護境內(nèi)人身保險市場秩序的有力保障。
[Abstract]:In recent years, with the gradual expansion of insurance business at home and abroad, the domestic insurance industry growth is remarkable.However, with the further deepening of reform and opening up, the domestic life insurance industry is facing the gradual penetration from overseas markets, but also facing severe situation and challenges.In particular, since the "811" exchange rate reform, the RMB has continued to depreciate. Under such circumstances, Hong Kong's personal insurance has the characteristics of both protection function, US dollar asset allocation function and tax planning function.Become the domestic policy-holders chasing the quality of overseas investment target.At first, this paper analyzes the related theories of personal insurance in general.Secondly, taking the development of Hong Kong personal insurance as the starting point, contrasting it with domestic personal insurance, this paper finds out the existing problems of domestic personal insurance.Finally, a conclusion is drawn and some feasible suggestions are put forward.Hong Kong has a long history of personal insurance development, with a relatively perfect regulatory system.First of all, it is mainly reflected in the low requirements of legislation for the solvency of life insurance companies, the strict market access system, and the rise of some illegal acts to the height of criminal liability.And intermediary supervision from "self-discipline" to "heteronomy" regulatory emphasis.Secondly, in recent years, Hong Kong personal insurance companies began to build "joint ventures", "financial services group" insurance advanced development model, which is highly dependent on the banks and insurance companies to the interests of the rational pursuit of "satisfaction."Although the domestic financial development model of separate operation is clear, banks have also begun to purchase life insurance companies to gradually close to the mixed operation of bancassurance cooperation.This paper will take Bank of China's acquisition of Air China Samsung Life Insurance Company as an example to conduct in-depth analysis and discussion.Finally, through the systematic analysis of this paper, the author puts forward some feasible suggestions for the development of life insurance in China, including further improving the legislation and supervision system, strengthening the cooperation of the bank and insurance companies, enhancing the service level, and making the products more simple and rich.These are the base of adjusting the supply side of domestic personal insurance industry, and also the strong guarantee of maintaining the order of domestic personal insurance market.
【學(xué)位授予單位】：對外經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F842.62

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本文編號：1765935