本文選題：人身保險(xiǎn) + 香港��； 參考：《對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文

【摘要】：近年來(lái),隨著海內(nèi)外保險(xiǎn)業(yè)務(wù)范圍的逐漸擴(kuò)大,國(guó)內(nèi)保險(xiǎn)業(yè)發(fā)展增速顯著。但是伴隨改革開(kāi)放的進(jìn)一步加深,國(guó)內(nèi)人身保險(xiǎn)行業(yè)面對(duì)來(lái)自海外市場(chǎng)的逐步滲透,也面臨著嚴(yán)峻的形勢(shì)和挑戰(zhàn)。尤其是自“811”匯改以來(lái),人民幣出現(xiàn)持續(xù)貶值,在這樣的形勢(shì)下,香港人身保險(xiǎn)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(diǎn),成為境內(nèi)投保人競(jìng)相追逐的優(yōu)質(zhì)海外投資標(biāo)的。本文首先從總體上分析了人身保險(xiǎn)的相關(guān)理論。其次,以香港人身保險(xiǎn)的發(fā)展為切入點(diǎn),將之與境內(nèi)人身保險(xiǎn)對(duì)比,從而發(fā)現(xiàn)境內(nèi)人身保險(xiǎn)現(xiàn)存的問(wèn)題。最終得出結(jié)論,并提出可行性建議。香港人身保險(xiǎn)發(fā)展歷史悠久,具備相對(duì)完善的監(jiān)管制度。首先,主要體現(xiàn)在立法對(duì)人身保險(xiǎn)公司償付能力要求較低,有嚴(yán)格的市場(chǎng)準(zhǔn)入制度,對(duì)于部分違法行為上升至刑事責(zé)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(xiǎn)公司開(kāi)始打造“合資公司”、“金融服務(wù)集團(tuán)”的保險(xiǎn)高級(jí)發(fā)展模式,這種模式高度依賴(lài)于銀行及保險(xiǎn)公司對(duì)合作利益理性追求的“滿(mǎn)意度”。境內(nèi)雖然明確分業(yè)經(jīng)營(yíng)的金融發(fā)展模式,但各家銀行也紛紛開(kāi)始以收購(gòu)人身保險(xiǎn)公司的方式將銀保合作逐漸向混業(yè)經(jīng)營(yíng)靠近。本文將以中國(guó)銀行收購(gòu)中航三星人壽保險(xiǎn)公司為例進(jìn)行深入分析和探討。最后通過(guò)本文的系統(tǒng)性分析,提出境內(nèi)發(fā)展人身保險(xiǎn)的可行性建議,包括進(jìn)一步完善立法和監(jiān)管制度,加強(qiáng)銀保深入合作,提升服務(wù)水平,讓產(chǎn)品更加簡(jiǎn)單而豐富,這些才是調(diào)整境內(nèi)人身保險(xiǎn)行業(yè)供給側(cè)的立足之本,也是維護(hù)境內(nèi)人身保險(xiǎn)市場(chǎng)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(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F842.62

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1 胡珊珊;精準(zhǔn)扶貧視角的農(nóng)村小額人身保險(xiǎn)研究[D];廣西大學(xué);2017年

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本文編號(hào)：1765935