本文選題：銀行保險(xiǎn)　切入點(diǎn)：發(fā)展模式　出處：《遼寧大學(xué)》2014年碩士論文

【摘要】：銀行保險(xiǎn)是保險(xiǎn)銷售的最重要的渠道之一。國(guó)內(nèi)的銀保經(jīng)營(yíng)模式仍然處于一個(gè)相對(duì)初級(jí)水平，銀行和保險(xiǎn)公司間的合作相對(duì)單一。在最近一段時(shí)間，情況稍有不同：一些國(guó)內(nèi)的中型商業(yè)銀行已通過股權(quán)投資或兼并等方式涉足保險(xiǎn)行業(yè)；大型保險(xiǎn)公司通過自身優(yōu)勢(shì)進(jìn)軍國(guó)內(nèi)銀行領(lǐng)域；小型保險(xiǎn)公司也通過各種方式在銀保模式上與銀行進(jìn)行最優(yōu)化合作。 當(dāng)然，我國(guó)銀行保險(xiǎn)業(yè)務(wù)的不斷發(fā)展是十分必要的，然而，我國(guó)銀行保險(xiǎn)發(fā)展中也面臨著很多挑戰(zhàn)和問題。它的核心是如何決定銀行和保險(xiǎn)公司間的博弈或合作，也有關(guān)于利潤(rùn)分配和商業(yè)運(yùn)營(yíng)的決定機(jī)制。 目前，中國(guó)處于銀保發(fā)展的初級(jí)階段，銀行和保險(xiǎn)公司離建立一個(gè)互相滲透的關(guān)系還有很長(zhǎng)的路要走，這些彰顯出合作的初級(jí)形式，原始競(jìng)爭(zhēng)，博弈雙方的不公平定位，未形成的市場(chǎng)秩序標(biāo)準(zhǔn)化和其他突出的問題。在該研究中，基于我國(guó)當(dāng)前經(jīng)濟(jì)環(huán)境和監(jiān)管政策，對(duì)于我國(guó)銀保發(fā)展策略的研究變得更現(xiàn)實(shí)和有針對(duì)性。 此論文概括了銀保發(fā)展中國(guó)外的經(jīng)驗(yàn)，系統(tǒng)地分析了中國(guó)銀保發(fā)展的階段、管理地位和管理中出現(xiàn)的問題�；趯�(duì)行業(yè)發(fā)展、監(jiān)管政策和其他環(huán)境因素的客觀分析，，論文分析了國(guó)內(nèi)銀保業(yè)務(wù)所處的政治、法律、制度等環(huán)境、消費(fèi)者對(duì)銀保業(yè)務(wù)的需要程度以及銀行和大中小保險(xiǎn)公司間的合作、銀行間的文化融合、保險(xiǎn)產(chǎn)品和建立有經(jīng)驗(yàn)的銷售隊(duì)伍以及其他可能影響銀行和保險(xiǎn)運(yùn)營(yíng)表現(xiàn)的因素，針對(duì)我國(guó)銀保發(fā)展政策提出了建議。
[Abstract]:Bancassurance is one of the most important channels for insurance sales.Domestic bancassurance business model is still in a relatively primary level, the cooperation between banks and insurance companies is relatively single.In recent years, the situation is slightly different: some domestic medium-sized commercial banks have entered the insurance industry through equity investment or mergers, while large insurance companies have entered the domestic banking field through their own advantages;Small insurance companies also work optimally with banks in a variety of ways on the bancassurance model.Of course, the continuous development of the bancassurance business in our country is very necessary, however, there are many challenges and problems in the development of the bancassurance in our country.Its core is how to decide the game or cooperation between banks and insurance companies, but also the decision mechanism about profit distribution and business operation.At present, China is in the primary stage of the development of bancassurance. Banks and insurance companies still have a long way to go to establish a mutually permeable relationship. These demonstrate the primary forms of cooperation, primitive competition, and unfair positioning of both sides of the game.Unformed standardization of market order and other outstanding problems.In this study, based on the current economic environment and regulatory policy, the research on the development strategy of China's banking and insurance has become more realistic and targeted.This paper summarizes the experience of Bancassurance's development outside China, and systematically analyzes the stage, management position and problems in the development of Bancassurance in China.Based on the objective analysis of industry development, regulatory policy and other environmental factors, the paper analyzes the political, legal and institutional environment of domestic banking and insurance business.The level of consumer demand for banking and insurance, cooperation between banks and large, medium and small insurance companies, cultural convergence between banks, insurance products and the establishment of experienced sales teams, and other factors that may affect the performance of banks and insurance operations,Some suggestions are put forward for the development policy of China's bancassurance.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33;F842

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本文編號(hào)：1714932