本文選題：人壽保險 + 銀保合作　； 參考：《華東理工大學》2013年碩士論文

【摘要】：人壽保險是社會、經濟以及人們的物質文明和精神文明發(fā)展到一定階段的產物,銀保合作,起初則是人壽保險業(yè)務發(fā)展到一定階段的渠道銷售模式創(chuàng)新,在經濟全球化及金融自由化的推動下,銀保合作已逐步走向包括但不限于銀行業(yè)務與壽險業(yè)務相互滲透、銀行資本和壽險資本相互融合的戰(zhàn)略合作,壽險銀保合作已成為西方發(fā)達國家銀行業(yè)和壽險業(yè)開辟新市場、承攬新客源、挖掘新利潤的重要合作共贏手段之一。我國的壽險業(yè)銀保合作在社會需求的客觀要求和銀行業(yè)與保險壽險業(yè)在互利共贏的內在沖動下,近年來有了快速發(fā)展,但是,由于銀保合作的法規(guī)與監(jiān)管滯后,國內壽險銀保合作在單純追求規(guī)模與追逐利益下逐步出現無序競爭甚至惡性競爭,一度使很多民眾對壽險產品產生“信用危機”。如何面對國際金融發(fā)展趨勢,構建我國既有利于金融創(chuàng)新、又有利于風險管控,確保壽險業(yè)銀保合作規(guī)范、健康、可持續(xù)發(fā)展的模式,具有緊迫性和非常重要的現實意義。 本文介紹了壽險、銀保合作等基本概念和相關文獻綜述,研究了我國壽險業(yè)銀保合作發(fā)展歷程、現狀及其面臨的嚴峻挑戰(zhàn),在分析和借鑒歐美國家人壽保險銀保合作發(fā)展模式中經驗與教訓以及進行相關案例分析基礎上,從我國實際出發(fā),提出了優(yōu)化國內壽險銀保合作發(fā)展模式的對策與建議。本文的創(chuàng)新點即對策的核心：一是推進銀保合作體制創(chuàng)新,形成商業(yè)銀行與壽險公司資本融合、戰(zhàn)略融合、風控融合和責任融合；二是推進金融生態(tài)環(huán)境優(yōu)化,形成集中統(tǒng)一的政府金融監(jiān)管與服務機構,構建創(chuàng)新、規(guī)范、制約、服務的良性循環(huán)金融生態(tài)。 本文由六章組成：第一章導論。闡述本文選題背景和意義、相關文獻綜述、研究思路與架構等內容。第二章人壽保險及銀保合作概述。介紹人壽保險及其主要產品、銀保合作概念、銀行保險的經濟學分析等內容。第三章國內壽險銀保合作的現狀及挑戰(zhàn)。主要介紹國內壽險銀保合作現狀、壽險銀保合作面臨的挑戰(zhàn)等內容。第四章國外壽險銀保合作模式研究及啟示。分別對歐洲、美國、亞洲部分國家銀行保險發(fā)展模式進行研究分析及其啟示。第五章促進國內壽險銀保合作健康發(fā)展的模式研究。闡述了國內壽險銀保合作模式的科學定位與發(fā)展方向、完善銀行和壽險公司的銀保合作模式分析、健全嚴明有效的監(jiān)管機制等內容；第六章結論與展望。要構建有利于國內壽險銀保合作健康快速發(fā)展的模式,根本在于加快體制機制創(chuàng)新和優(yōu)化、完善金融生態(tài)環(huán)境。
[Abstract]:Life insurance is the product of social, economic, and people's material and spiritual civilization to a certain stage. In the beginning, the cooperation of silver and insurance is the channel selling mode innovation of life insurance business to a certain stage. Under the impetus of economic globalization and financial liberalization, the cooperation of silver insurance has been gradually included but not limited to the banking business. With the mutual penetration of life insurance business and the strategic cooperation of mutual integration of bank capital and life insurance capital, life insurance silver insurance cooperation has become one of the important cooperation and win-win means to open new markets for the banking and life insurance industry in western developed countries, to undertake new customers and to excavate new profits. The cooperation of silver insurance in life insurance industry in China is the objective requirements of social demand and the bank. Under the internal impulse of mutual benefit and mutual benefit, industry and insurance life insurance industry has developed rapidly in recent years. However, due to the lagging laws and regulations of the cooperation of silver insurance, the cooperation of domestic life insurance silver insurance has gradually appeared disordered competition and even vicious competition under the simple pursuit of scale and pursuit of interest, which once made many people have a "credit crisis" on life insurance products. How to face the trend of international financial development, it is of urgent and very important practical significance to build the model which is both beneficial to financial innovation and risk control and to ensure the standard, health and sustainable development of the life insurance industry.
This paper introduces the basic concepts and literature review of life insurance, silver insurance cooperation and so on. It studies the development course, current situation and the severe challenge of the silver insurance cooperation in China's life insurance industry. On the basis of analyzing and drawing lessons from the experience and lessons of the cooperative development model of the European and American life insurance silver insurance, and on the basis of the related case analysis, we start from the reality of our country. The paper puts forward the countermeasures and suggestions to optimize the cooperation and development mode of the domestic life insurance silver insurance. The core of the innovation is to promote the innovation of the system of banking and insurance cooperation, form the capital integration of the commercial banks and the life insurance companies, the strategic fusion, the integration of wind control and the integration of responsibility, and the two is to push into the optimization of the financial ecological environment and form a centralized and unified government. The government's financial supervision and service institutions build a virtuous circle of innovation, standardization, restriction and service.
This article is composed of six chapters: the first chapter is introduction. It expounds the background and significance of the topic, the literature review, the research ideas and the framework of the second chapter. The life insurance and its main products, the concept of the cooperation of the bank insurance, the economic analysis of the bank insurance, and so on. The third chapter of the domestic life insurance silver insurance cooperation. Present status and challenges. Mainly introduces the status of domestic life insurance silver insurance cooperation and the challenges facing the cooperation of life insurance silver insurance. The fourth chapter of the research and Enlightenment of the cooperation mode of foreign life insurance silver insurance. The research and analysis of the development mode of bank insurance in Europe, the United States and Asia respectively. The fifth chapter promotes the cooperation and health of the domestic life insurance silver insurance. The scientific orientation and development direction of the cooperation mode of the domestic life insurance silver insurance, the analysis of the bank and the life insurance company's cooperation mode and the strict and effective supervision mechanism are perfected, and the sixth chapter is the conclusion and the prospect. We should speed up the innovation and optimization of institutional mechanisms and improve the financial ecological environment.
【學位授予單位】：華東理工大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.62

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本文編號：1928650