我国银行保险经营模式研究

湖南大学硕士学位论文我国银行保险经营模式研究姓名：曾欣申请学位级别：硕士专业：金融学指导教师：曾令华20070508IBancassurance20801996WTO,IIAbstractWiththeaggravationofcompetitionandpromotionoffinancialintegration,thepermeationandmergerofthebank,insurance,securitieshadbecometheworldtrend.Amongthem,thecooperationbetweeninsuranceandbankwasfastbecauseofitsdistinctadvantagesofjoiningtheresourcesofbothindustriestogetherItproducedunderthebackgroundthatfinance,taxlawandlegislatingproducedenormouschangeinEurope.Inthewesterncountries,thereevenpresentedanewvocabulary---Bancassurance.Bancassurancehasturnedouttobeagreatsuccess,sinceitwasoriginatedinEuropein1980’sAccordingtorelevantregulations,thefinancialfieldcarriedoutseparatemanagementandseparatesupervisionstrictlyinourcountry.BancassurancehasariseninChinasince1996althoughdevelopingswiftly,butthecooperationpatternofChinesebancassuranceisontheelementarystage.Atpresent,agreementcooperationandstrategicallianceisindividuallyandthesecondarypattern,andtheloosecooperativepatternhasrevealedalotofproblemsgradually.ButasdomesticfinancialmarketopensgraduallyafterenteringintoWTO,moreandmoreoverseasfinancialcompanieshavebeenenteringourinsurancefield,domesticfinancialcirclesfacedunprecedentedchallenges.Unavoidable,thefinancialcirclesofChinawillentermixingindustryeratoo,thecooperationofbankandInsuranceCompanywillbedevelopedtoo.UndersuchbackgroundandthroughtheintroductionofwesternbancassuranceandanalysesthedevelopmentofChina,thisthesisclarifiedthatbancassurancewasarealisticchoiceforbankandinsurance-companyunderthetrendofmergingamongfinancialindustry.Besides,ittriedtoseekaconcretestrategyandmodethatsuitChinabancassurancedevelopment.Bycomparedtothatthedevelopingstatus,managementmodeandenvironmentofbancassuranceabroad,theauthorthoughtthatdevelopmentofbancassuranceallhasverybigsomethingtodowithlawsandregulations,economy,socialculture,financialmarketandtaxrevenueetc.,butbankcooperatedwiththeinsurancecompanyinclosecooperativepatternisthekey.Theagreementcooperationmode,participateinstockrightmodeandthefinancialcliquemode,thirdeveryhaveadvantagesanddisadvantages.Howtochooseshouldbedependentoneconomic,policy,supervisionandmarketenvironment.TheopeningofourcountryIIIandimprovesandperfectionofeconomyenvironmentdonottobeabletoreachthegoalinonestep,ourcountrymaynotchangetheseparatemanagementmodebetweenonenight.ThefinancialholdingcompanyisthebestcollaborationoptionforChina'sinsurersandbanksatthisstage.Basedontheactualconditionsofourcountry,thecooperationofbankwithinsurancecompanyshouldhaveastepaccordingtoplan,goonbystages,arriveatintegrativemanagementultimate.Finaltheauthorhasbeensubmittedsomeoffertoacceleratethedevelopmentofbancassurance.Keywords:bancassurancecooperationmanagementmode2.1..............................................................................82.2............................................................112.3...............................................................................................162.4...............................................................................................162.5...............................................................................................172.6................................................................................182.7................................................................193.1.....................................................213.2.....................................................233.3....................................................................243.4....................................................................304.1........................................................................352.11997-2002.........................................92.2....................................................................112.3................................................................122.4............................................................142.5........................................................................142.6........................................................................153.1.................................................203.2.....................253.3.........................263.4........................................................................................263.5........................................................................................273.6............................................................294.1........................................................344.2.........................................374.3....................................................................401□______2□“√”111.1bancassurance70()50%“”11%19951996“”200622006419“”()“”1.27070“”bancassuranceDelporte19913Lewis1990[1]LevyLang1990Gumbel(1990):,BergerHancockHumphery(1993)SaundersWalter(1994)ArmstrongEdBuse19965-10%[2]VanderVennet(1998)SoteriousZenios1999IBMConsulting2003[3]Boros,JoanE.200212GjertsenLeeAnn2002“”20001995419962000200012[4][5]20012001[6]2002[7]20031020051120064()“”1.35622.12.1.12.1.1.1“”“”OECD2000