本文關(guān)鍵詞： 銀行保險(xiǎn)業(yè)務(wù) 發(fā)展現(xiàn)狀 風(fēng)險(xiǎn)分析 應(yīng)對(duì)策略　出處：《浙江大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：銀行保險(xiǎn)的誕生是經(jīng)濟(jì)全球化、金融一體化不斷深入的結(jié)果,是銀行和保險(xiǎn)公司為了適應(yīng)不斷變化的市場(chǎng)需求所提供的一種一體化營(yíng)銷(xiāo)和多元化金融服務(wù)業(yè)務(wù),在這種業(yè)務(wù)中,銀行和保險(xiǎn)公司針對(duì)共同的客戶,通過(guò)統(tǒng)一的銷(xiāo)售渠道,向客戶提供具有銀行和保險(xiǎn)雙重特性的金融產(chǎn)品。 銀行保險(xiǎn)自20世紀(jì)80年代誕生以來(lái),已經(jīng)為各國(guó)普遍接受,并迅速發(fā)展為保險(xiǎn)業(yè)尤其是壽險(xiǎn)行業(yè)銷(xiāo)售產(chǎn)品的主要渠道之一。我國(guó)銀行和保險(xiǎn)雖然仍然實(shí)行分業(yè)經(jīng)營(yíng),但在受到越來(lái)越激烈的國(guó)際競(jìng)爭(zhēng)的情況下,我國(guó)的銀行保險(xiǎn)業(yè)務(wù)也取得了很大的發(fā)展,尤其是壽險(xiǎn)公司,已經(jīng)成為其產(chǎn)品營(yíng)銷(xiāo)的一個(gè)重要渠道。與此同時(shí)也暴露出了很多問(wèn)題,存在著很大的風(fēng)險(xiǎn)。在這樣的背景下,深入系統(tǒng)地分析銀行保險(xiǎn)的基本特性和產(chǎn)生原因以及發(fā)展過(guò)程,調(diào)查和總結(jié)我國(guó)銀行保險(xiǎn)的發(fā)展現(xiàn)狀、主要問(wèn)題和風(fēng)險(xiǎn),學(xué)習(xí)和借鑒國(guó)外有關(guān)銀行保險(xiǎn)發(fā)展和風(fēng)險(xiǎn)管理的經(jīng)驗(yàn),對(duì)于我國(guó)銀保業(yè)務(wù)的不斷完善和風(fēng)險(xiǎn)的有效規(guī)避意義重大。 本文系統(tǒng)地總結(jié)了我國(guó)銀保業(yè)務(wù)的產(chǎn)生環(huán)境和發(fā)展現(xiàn)狀,概括了我國(guó)銀保業(yè)務(wù)存在的主要經(jīng)營(yíng)風(fēng)險(xiǎn),總結(jié)了國(guó)外有關(guān)銀行保險(xiǎn)的風(fēng)險(xiǎn)管理經(jīng)驗(yàn)。在此基礎(chǔ)上,論文結(jié)合我國(guó)的具體國(guó)情和體制,給出了銀行保險(xiǎn)進(jìn)行風(fēng)險(xiǎn)管理的基本對(duì)策。最后本文以平安人壽保險(xiǎn)有限公司為例,在分析其銀保業(yè)務(wù)發(fā)展情況的基礎(chǔ)上,針對(duì)其存在的主要風(fēng)險(xiǎn),提出了規(guī)避風(fēng)險(xiǎn)的宏觀和微觀對(duì)策,進(jìn)一步給出了完善銀行保險(xiǎn)業(yè)務(wù)的具體建議。 本文的重點(diǎn)首先是通過(guò)認(rèn)真系統(tǒng)地分析和研究,找出我國(guó)銀行保險(xiǎn)業(yè)務(wù)中存在的主要風(fēng)險(xiǎn),并從政策、市場(chǎng)等各個(gè)角度分析其成因,其次在于認(rèn)真總結(jié)國(guó)外有關(guān)銀行保險(xiǎn)風(fēng)險(xiǎn)管理的有效經(jīng)驗(yàn),從而提出我國(guó)銀保業(yè)務(wù)規(guī)避風(fēng)險(xiǎn)、健康發(fā)展的對(duì)策。
[Abstract]:The birth of bancassurance is the result of economic globalization and financial integration. It is a kind of integrated marketing and diversified financial service provided by banks and insurance companies in order to adapt to the changing market demand. Banks and insurance companies provide financial products with dual characteristics of banking and insurance to customers through unified sales channels for common customers. Since its birth in 1980s, bancassurance has been widely accepted by all countries and has developed rapidly as one of the main channels for selling products in the insurance industry, especially in the life insurance industry. However, under the increasingly fierce international competition, China's bancassurance business has also made great progress, especially the life insurance companies, which have become an important channel for their product marketing. At the same time, many problems have been exposed. Under this background, the basic characteristics, causes and development process of bancassurance are deeply and systematically analyzed, and the present situation, main problems and risks of bancassurance in China are investigated and summarized. It is of great significance to learn from the experience of foreign bancassurance development and risk management for the continuous improvement of China's banking insurance business and the effective avoidance of risks. This paper systematically summarizes the production environment and development situation of China's bancassurance business, summarizes the main operating risks in China's bancassurance business, and summarizes the risk management experience of foreign bancassurance. Combined with the specific situation and system of our country, this paper gives the basic countermeasures of risk management for bancassurance. Finally, taking Ping an Life Insurance Co., Ltd as an example, this paper analyzes the development of its bank insurance business. Aiming at the main risks, this paper puts forward the macro and micro countermeasures to avoid the risks, and puts forward some concrete suggestions to perfect the banking insurance business. The focus of this paper is to find out the main risks in China's bancassurance business through careful and systematic analysis and research, and to analyze its causes from the perspectives of policy, market and so on. Secondly, the author summarizes the effective experience of foreign bancassurance risk management, and puts forward the countermeasures of avoiding risks and developing healthily in China's bancassurance business.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2

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本文編號(hào)：1513405