本文選題：銀行保險 + 金融控股模式　； 參考：《昆明理工大學(xué)》2014年博士論文

【摘要】：銀行保險的發(fā)展經(jīng)歷了四種合作模式：協(xié)議代理模式、戰(zhàn)略聯(lián)盟模式、股權(quán)合作模式和金融控股模式。不論在合作模式下,合作各方的共贏問題是合作的關(guān)鍵,而其中的手續(xù)費分配問題是能否達成共贏的核心。西方的金融監(jiān)管體系較為完善,因此,不論在何種模式下,銀行保險合作各方基本能夠達到共贏局面。國內(nèi)的銀行保險出現(xiàn)較晚,目前主要以協(xié)議代理模式為主。由于國內(nèi)特殊的金融體系特征,目前國內(nèi)銀行保險的手續(xù)費惡性競爭問題嚴重,合作各方并沒有形成真正意義上的共贏。 隨著國內(nèi)金融監(jiān)管混業(yè)政策的逐步放寬,2010年前后,國內(nèi)首家銀行系保險公司成立,標志著國內(nèi)金融控股模式下的銀行保險出現(xiàn),并表現(xiàn)出了更加強勁的發(fā)展勢頭。鑒于國內(nèi)銀行保險在初級的協(xié)議代理模式下并未形成真正意義上的共贏,因此,系統(tǒng)性的研究銀行保險延伸至更高級的金融控股模式下合作各方共贏機制的構(gòu)建問題,對于國內(nèi)保險和金融市場的健康發(fā)展具有重要的理論和現(xiàn)實意義。 論文主要包括以下三方面內(nèi)容： (1)金融控股模式下銀行保險的相關(guān)要素研究。首先,本文研究了金融控股模式下的銀行保險在國內(nèi)的出現(xiàn)、發(fā)展及存在的一些問題；其次,詳細分析了金融控股模式下銀行保險的合作形式、合作流程、價值鏈活動、博弈樹、主要經(jīng)濟主體的行為動機等要素；最后分析了金融控股模式下銀行母公司、銀行系保險子公司和傳統(tǒng)保險公司間開展銀行保險合作的戰(zhàn)略層、經(jīng)濟層和非經(jīng)濟層因素。 (2)金融控股模式下銀行保險合作各方復(fù)雜的多委托—代理博弈研究。本文按照銀保合作的邏輯順序為原則,分別研究了金融控股模式下銀行母公司與傳統(tǒng)保險公司間的單委托—代理博弈、銀行母公司與銀行系保險子公司間的單委托—代理博弈和銀行母公司同時與銀行系保險子公司及其他傳統(tǒng)保險公司間的多委托—代理博弈。 (3)金融控股模式下銀行保險柜員的復(fù)雜二重委托--代理博弈研究。首先,本文對于銀行保險業(yè)務(wù)中柜員的三種收入方式進行了分析；其次對于柜員的三種收入方式中銀行、保險公司、銀行柜員三者之間的博弈模型逐一進行了建立與求解；最后,對三種收入方式中求解得到的博弈結(jié)果進行了對比、討論,并對三種收入方式的優(yōu)劣進行了判斷。 論文基于上述金融控股模式下主要博弈模型研究的結(jié)果并對比分析前人所研究的協(xié)議代理模式下手續(xù)費分配的結(jié)果,提出金融控股模式下銀行保險合作各方共贏機制構(gòu)建內(nèi)容作為本文的結(jié)論,其主要內(nèi)容包括以下三個方面： (1)金融控股模式下銀行保險共贏機制構(gòu)建的利益分配機制建設(shè),主要包括合理制定大帳手續(xù)費率β的標準、按照合作產(chǎn)能制定透明的努力程度α的分配原則、制定合理的柜員激勵機制和明確各方的責(zé)任承擔(dān)機制等。 (2)金融控股模式下銀行保險共贏機制構(gòu)建的行業(yè)制度保障機制建設(shè),主要包括銀行母公司實施利益相關(guān)者關(guān)系管理、制定具有“強制約束力的協(xié)議”和形成明確的責(zé)任追究和懲處機制等。 (3)金融控股模式下銀行保險共贏機制構(gòu)建的社會制度保障機制建設(shè),主要包括從監(jiān)管、消費者、政府部門及其他社會團體的角度制定一些完善的社會制度作為保障等。 論文的創(chuàng)新之處在于： (1)深入分析了金融控股模式下銀行保險合作的形式、流程、價值鏈活動、博弈樹、主要經(jīng)濟主體的行為動機等要素,以及金融控股模式下銀行保險合作的戰(zhàn)略層、經(jīng)濟層、非經(jīng)濟層因素,并與協(xié)議代理模式下的相關(guān)要素進行了比較。 (2)通過對金融控股模式下銀行保險合作各方復(fù)雜的多委托—代理博弈求解結(jié)果的分析,界定了博弈各方關(guān)于手續(xù)費率β分配的最優(yōu)比例范圍和銀行母公司的努力程度α的分配原則。 (3)通過對金融控股模式下銀行柜員三種收入方式中的復(fù)雜二重委托—代理博弈求解結(jié)果的分析,提出了銀行保險柜員收入激勵方式的選擇、激勵比例η范圍和柜員努力程度α的分配原則。 (4)通過對銀行母公司金融控股模式下銀行保險合作主體間的多委托—代理博弈和銀行柜員復(fù)雜的二重委托--代理博弈的分析,提出了金融控股模式下銀行保險合作主體間共贏機制構(gòu)建的內(nèi)容。
[Abstract]:The development of bank insurance has gone through four modes of cooperation: the mode of agreement agency, the model of strategic alliance, the mode of equity cooperation and the mode of financial holding. No matter in the mode of cooperation, the win-win problem of the parties is the key to the cooperation, and the issue of the allocation of fees is the core of the win-win situation. The financial supervision system in the west is more important. Therefore, no matter what mode, all parties in the bank insurance cooperation can basically achieve a win-win situation. The domestic banking insurance is late, mainly with the mode of agreement agency. Due to the special characteristics of the domestic financial system, the domestic bank insurance procedures are serious, and the cooperation parties do not come true. A win-win situation.
With the gradual relaxation of the domestic financial regulatory mixed policy, the first domestic banking insurance company was established in China before and after 2010, marking the emergence of bank insurance under the domestic financial holding mode and showing a stronger momentum of development. Therefore, it is of great theoretical and practical significance for the healthy development of the domestic insurance and financial markets to establish a systematic study of the construction of the win-win mechanism of the cooperative parties under the more advanced financial holding mode.
The paper mainly includes the following three aspects:
(1) research on the related elements of bank insurance under the mode of financial holding. First, this paper studies the emergence, development and existing problems of bank insurance under the mode of financial holding. Secondly, it analyzes the cooperation form, the process of cooperation, the activity of value chain, the game tree and the main economic subject under the mode of financial holding. At last, it analyzes the strategic layer, economic layer and non economic layer of bank insurance cooperation between the bank parent company, the bank insurance subsidiary and the traditional insurance company under the financial holding mode.
(2) the complex multi principal agent game study of the bank insurance cooperation under the financial holding mode. According to the logic order of the cooperation of silver insurance, this paper studies the single principal agent game between the bank parent company and the traditional insurance company under the financial holding mode, and the single entrustment between the bank parent company and the bank insurance subsidiary. The agency game and the multi principal agent game between bank parent company and bank insurance subsidiaries and other traditional insurance companies.
(3) the complex dual principal-agent game study of the bank insurance teller under the financial holding mode. First, this paper analyzes the three income modes of the teller in the banking insurance business; secondly, the game model between the three kinds of income modes of the teller is established and sought one by one between the bank, the insurance company and the bank teller. Finally, the game results obtained from the three revenue methods are compared, discussed, and the merits and faults of the three income modes are judged.
On the basis of the results of the main game model under the above financial holding model and the comparison and analysis of the results of the fee distribution under the previous agreement agency model, the paper puts forward the conclusion of the construction content of the win-win mechanism of the all parties under the financial holding mode, and its main contents include the following three aspects:
(1) the construction of the benefit allocation mechanism constructed by the mutual benefit mechanism of the bank insurance under the financial holding mode mainly includes the standard of rationally making the rate beta of the big account formalities, formulating the distribution principle of transparent effort degree alpha according to the cooperative capacity, formulating the reasonable teller incentive mechanism and making clear the responsibility mechanism of each party.
(2) the construction of the industry system guarantee mechanism constructed by the win-win mechanism of bank insurance under the mode of financial holding, mainly including the implementation of stakeholder relationship management in the bank's parent company, the formulation of a "compulsory and binding agreement" and the formation of a clear mechanism of accountability and punishment.
(3) the construction of the social system guarantee mechanism for the construction of the win-win mechanism of the bank insurance under the mode of financial holding, mainly including the establishment of some perfect social systems as security from the perspective of supervision, consumers, government departments and other social groups.
The innovation of the thesis lies in:
(1) in-depth analysis of the form of banking insurance cooperation under the financial holding mode, process, value chain activities, game tree, the behavior motivation of the main economic subject, as well as the strategic layer, economic layer and non economic layer of the bank insurance cooperation under the financial holding mode, and compare the related elements under the protocol agency model.
(2) through the analysis of the complex multi principal agent game results of the bank insurance cooperative parties under the financial holding mode, the optimal proportion of the beta distribution of the formalities and the allocation principle of the degree of effort of the bank's parent company are defined.
(3) through the analysis of the results of the complex dual principal-agent game solution in the three income modes of the bank teller under the financial holding mode, the choice of the income incentive mode of the bank insurance teller, the scope of the incentive ratio and the distribution principle of the level of the effort of the teller are put forward.
(4) through the analysis of the multi principal-agent game between the main body of the bank insurance cooperation and the complex dual principal-agent game of the bank teller under the financial holding mode of the bank's parent company, this paper puts forward the content of the construction of the win-win mechanism between the main bodies of the bank insurance cooperation under the financial holding mode.
【學(xué)位授予單位】：昆明理工大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2014
【分類號】：F842;F832.2;F224.32

【參考文獻】

相關(guān)期刊論文 前10條

1 穆純海;鹿海峰;;銀行保險混業(yè)經(jīng)營風(fēng)險及對策分析[J];東方企業(yè)文化;2013年11期

2 宋明岷,朱旭東;歐洲各國銀行保險的比較研究及對中國的意義[J];金融研究;2000年11期

3 馮祥英;;銀行保險業(yè)務(wù)博弈模型分析[J];經(jīng)濟社會體制比較;2010年06期

4 高琳;;我國商業(yè)銀行進軍保險業(yè)的SWOT分析及戰(zhàn)略思考[J];金融與經(jīng)濟;2013年02期

5 張玉;;淺析銀行代理保險業(yè)務(wù)存在的問題及建議[J];河北金融;2013年04期

6 賴夢君;曹崢;白璐;;結(jié)合國際經(jīng)驗淺談對我國發(fā)展銀保合作的幾點建議[J];勞動保障世界(理論版);2013年03期

7 朱帥;;我國銀行保險發(fā)展放緩的原因及SWOT分析[J];經(jīng)濟視角(下);2013年10期

8 王媛媛;;銀行保險發(fā)展模式選擇分析[J];韶關(guān)學(xué)院學(xué)報;2013年01期

9 趙丹娜;;基于SWOT分析法的我國銀行保險股權(quán)融合發(fā)展研究[J];齊齊哈爾大學(xué)學(xué)報(哲學(xué)社會科學(xué)版);2013年03期

10 于志慧;;通貨膨脹與人民幣升值并存問題研究[J];新金融;2008年04期

相關(guān)博士學(xué)位論文 前2條

1 陳進村;兩岸銀行保險業(yè)經(jīng)營管理之研究[D];南開大學(xué);2010年

2 張廣華;銀行保險制度研究及中國選擇[D];西南財經(jīng)大學(xué);2007年

，

本文編號：1914682