本文選題：壽險公司 + 銀行保險產(chǎn)品　； 參考：《西南財經(jīng)大學(xué)》2013年碩士論文

【摘要】：銀行保險以其接近百分之五十的市場占有率成為我國壽險銷售的主要渠道,日漸受到業(yè)界的重視。而壽險公司銀行保險嚴(yán)重的退保問題也成為保險市場上關(guān)注的熱點問題,大規(guī)模的的銀保退保現(xiàn)象嚴(yán)重影響了保險公司的正常經(jīng)營、影響了銀保渠道參與主體的公司形象和銀保產(chǎn)品形象、影響了銀行渠道的正常發(fā)展,也損害了銀行保險購買者的利益。目前,銀行渠道代理銷售的銀行保險產(chǎn)品絕大部分為壽險產(chǎn)品,因此對壽險公司銀行保險產(chǎn)品退保問題及其影響因素進行分析,有助于各經(jīng)營主體改進經(jīng)營過程中出現(xiàn)的問題,完善相關(guān)制度措施,防范壽險公司銀行保險產(chǎn)品大規(guī)模退保事件的再次發(fā)生。 本文主要從壽險公司銀行保險產(chǎn)品退�，F(xiàn)狀著手,在追溯銀保發(fā)展歷史,分析銀保產(chǎn)品在壽險市場上的主體地位,銀保產(chǎn)品退保的嚴(yán)重狀況及其對參與各方的消極影響的基礎(chǔ)上,借助對具體案例的分析,運用博弈論的知識,對銀保參與各方的博弈進行探討。同時,本文通過搜集到的大量數(shù)據(jù),對銀保的銷售結(jié)構(gòu)、投資收益等進行較為充分的對比分析,深入探討我國壽險公司銀行保險產(chǎn)品大規(guī)模退保的主要影響因素,即險種銷售結(jié)構(gòu)、產(chǎn)品創(chuàng)新力度、投資收益水平、銷售成本管理、銷售誤導(dǎo)現(xiàn)象等。然后,本文通過對銀保發(fā)達國家的金融法律、監(jiān)管制度、稅收優(yōu)惠、人文環(huán)境等方面的借鑒,提出了我國需要完善之處。最后,本文從壽險公司、監(jiān)管機構(gòu)和社會環(huán)境三個層面上,初步構(gòu)建了防范我國壽險公司銀行保險產(chǎn)品退保的對策思路,提出了改進保險資金投資模式,構(gòu)建薪酬激勵約束機制,建立防范銀行保險產(chǎn)品大規(guī)模退保的預(yù)警指標(biāo)等對策思路。 本文共分為六大部分。 第一部分即導(dǎo)論。首先分析了銀行保險退保的現(xiàn)狀和研究銀行保險退保問題的意義；其次,整理了銀行保險退保相關(guān)的文獻綜述,并對國內(nèi)外關(guān)于銀行保險、退保方面的研究現(xiàn)狀進行分析；再次,闡述了本文研究的主要內(nèi)容與方法,概括了本文的基本框架和邏輯體系；最后,提出了本文的創(chuàng)新點和不足。 第一章即壽險公司銀行保險產(chǎn)品退保的相關(guān)概念。是壽險公司銀行保險產(chǎn)品退保的理論基礎(chǔ)。本章對銀行保險、壽險公司銀保產(chǎn)品和退保的定義和特點進行了分析。該部分為下文的分析論證提供了理論支持。 第二章即壽險公司銀行保險的發(fā)展歷史、退�，F(xiàn)狀及其影響。主要分為國內(nèi)外銀行保險發(fā)展歷史、我國銀行保險退保現(xiàn)狀和銀行保險產(chǎn)品大規(guī)模退保的消極影響三個部分。通過對這三個部分的描述,使讀者對銀行保險的發(fā)展階段、銀行保險產(chǎn)品退保的嚴(yán)重性等有一個整體的了解。 第三章即壽險公司銀行保險產(chǎn)品退保的影響因素分析。該部分主要對我國銀行保險產(chǎn)品退保的影響因素——險種結(jié)構(gòu)、產(chǎn)品收益和銷售代理,三個方面進行分析,并結(jié)合歷年保險年鑒數(shù)據(jù)、各保險公司數(shù)據(jù)等,探討了銀保產(chǎn)品險種結(jié)構(gòu)單一,考核制度不合理,代理成本攀升,投資收益低,銷售誤導(dǎo)嚴(yán)重,消費者購買銀保產(chǎn)品和退保時的羊群行為等問題。 第四章即防范壽險公司銀保產(chǎn)品退保的國際經(jīng)驗及借鑒。本部分主要對銀行保險發(fā)達國家的監(jiān)管、法律、稅收、人文環(huán)境等方面的特點進行分析,通過對其經(jīng)驗的借鑒,為我國壽險公司銀保產(chǎn)品的健康發(fā)展作個參照。 第五章即防范銀保產(chǎn)品退保的對策思路。該部分針對前文分析的我國壽險公司銀保產(chǎn)品退保的原因,在借鑒國際經(jīng)驗的基礎(chǔ)上,結(jié)合我國銀保發(fā)展的特點,從壽險公司層面、監(jiān)管層面和環(huán)境層面提出了相應(yīng)的對策建議,以期對我國壽險公司銀保產(chǎn)品的健康發(fā)展起到促進作用。 本文可能的創(chuàng)新點是在選題、研究方法及研究內(nèi)容上有所創(chuàng)新。一是國內(nèi)外對壽險保單的退保行為、銀保合作模式及其風(fēng)險管理等分析較多,針對銀保退保的研究幾近空白,而本文正是對此進行嘗試,較為系統(tǒng)的探討了壽險公司銀保產(chǎn)品的退保問題；二是在本文的具體分析中,運用了案例分析和博弈論的方法,對銀保產(chǎn)品具體退保情況展開探討。同時,本文充分運用公開資料和數(shù)據(jù),對壽險公司銀行保險大規(guī)模退保的情況和影響因素進行了深入的探討。最后,本文還對防范壽險公司銀行保險退保的預(yù)警指標(biāo)、監(jiān)管模式和薪酬激勵約束機制等進行了初步的設(shè)計。試圖通過本文的研究,對壽險公司銀行保險產(chǎn)品的退保問題以及防范壽險公司銀行保險產(chǎn)品大規(guī)模退保風(fēng)險,有所借鑒和啟示。
[Abstract]:The bank insurance, with its close to fifty percent market share, has become the main channel of China's life insurance sales and has been paid more attention by the industry. And the serious reinsurance problem of the life insurance company's bank insurance has also become a hot issue in the insurance market. A large scale of silver insurance has seriously affected the normal operation of the insurance company. The corporate image of the bank and the image of the silver insurance products have affected the normal development of the bank channel and the interests of the bank insurance buyers. At present, most of the bank insurance products of the bank channel agent are life insurance products. The line analysis will help the operators to improve the problems arising in the operation process, improve the relevant institutional measures and prevent the recurrence of the large-scale reinsurance of the insurance products of the life insurance companies.
This paper begins with the status of the reinsurance of the life insurance company's bank insurance products, tracing back the history of the silver insurance development, analyzing the main status of the silver insurance products in the life insurance market, the serious situation of the silver insurance products and its negative influence on the parties involved, and using the knowledge of game theory with the knowledge of game theory and the participation of the knowledge of game theory to participate in the participation of silver insurance. At the same time, through a large number of data collected, this paper makes a comparatively full comparison and analysis of the sales structure and investment income of the silver insurance company, and probes into the main factors affecting the large-scale reinsurance of the insurance products of our life insurance companies, that is, the structure of the insurance sales, the strength of product innovation, the level of investment income, and the sales. Then, through the reference of the financial law, supervision system, tax preference and humanistic environment of the developed countries, this paper puts forward the needs of our country. Finally, this paper constructs a preliminary prevention of China's life insurance company from three aspects of life insurance company, regulatory agency and social environment. The countermeasure thinking of the insurance product retreats is put forward to improve the investment mode of the insurance funds, construct the incentive and restraint mechanism of the salary, and establish the early warning indicators to prevent the large-scale reinsurance of the bank insurance products.
This article is divided into six parts.
The first part is the introduction. First, it analyzes the present situation of the bank insurance reinsurance and the significance of the research on the problem of the bank insurance refund. Secondly, it collate the literature review related to the bank insurance reinsurance, and analyze the domestic and foreign research status on the bank insurance and the reinsurance. Again, the main contents and methods of this study are expounded. It includes the basic framework and logic system of this article. Finally, it puts forward the innovation and deficiency of this article.
The first chapter is the related concept of the reinsurance of the life insurance company's bank insurance products. It is the theoretical basis of the reinsurance of the life insurance company's bank insurance products. This chapter analyzes the definition and characteristics of the bank insurance, the life insurance company Silver insurance products and the reinsurance. This part provides the theoretical support for the analysis and demonstration below.
The second chapter is the history of the development of the life insurance company's bank insurance, the present situation and its influence. It is divided into three parts: the history of the development of the domestic and foreign bank insurance, the current situation of our bank insurance and the negative influence of the large scale reinsurance of the bank insurance products. By describing these three parts, the readers will have the development stage of the bank insurance, the bank There is a general understanding of the seriousness of the surrender of insurance products.
The third chapter is the analysis of the influencing factors of the reinsurance of the life insurance company's bank insurance products. This part mainly analyzes the factors affecting the reinsurance of the bank insurance products in China - the insurance structure, the product income and the sales agent, three aspects, and discusses the structure of the insurance products of the insurance products in combination with the data of the years' insurance Yearbook and the data of the insurance companies. Single, unreasonable assessment system, rising agency costs, low investment returns, serious misleading sales, consumers buying bank guarantee products and herding behavior when surrender.
The fourth chapter is to prevent the international experience and reference of the reinsurance of the life insurance company's silver insurance products. This part mainly analyzes the characteristics of the supervision, law, tax and human environment in the developed countries of the bank insurance, and makes a reference for the healthy development of the silver insurance products of our life insurance company through reference to its experience.
The fifth chapter is the countermeasures to prevent the reinsurance of silver insurance products. In view of the analysis of the reasons for the reinsurance of the silver insurance products of our country's life insurance company, and on the basis of the international experience, and combining the characteristics of the development of China's silver insurance, the corresponding countermeasures and suggestions are put forward from the life insurance company level, the regulatory level and the environment level, with a view to the life insurance of our country. The healthy development of the company's banking and insurance products plays a catalytic role.
The possible innovation of this article is that there are some innovations in topic selection, research methods and research content. First, there are many analysis on the retirement insurance policy of life insurance policies at home and abroad, the cooperation mode of silver insurance and its risk management, and the research on the insurance of silver insurance is almost blank, and this article is a trial and systematic discussion of the silver insurance production of life insurance company. The two is in the concrete analysis of this article, using the method of case analysis and game theory to discuss the specific reinsurance of the silver insurance products. At the same time, this paper makes a thorough discussion on the situation and the influencing factors of the large scale reinsurance of the life insurance company. Finally, the paper also makes a thorough discussion on the situation and the influencing factors of the bank insurance of the life insurance company. The early warning indicators, supervision mode and compensation incentive and restraint mechanism are designed to prevent the life insurance company's Bank Insurance refunds. Through this study, this paper tries to draw lessons from the problems of the reinsurance of the life insurance company's bank insurance products and the prevention of the large scale reinsurance risk of the life insurance company's bank insurance products.
【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.3

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本文編號：2015602