银行保险发展的影响因素分析(硕士)

银行保险发展的影响因素分析(硕士)(论文21000字)
Analysis of factors influencing the development of Bancassurance
摘   要
目前银行保险是银行、保险、金融与邮政等相关机构在工作与资产上相互连接、资源与渠道共享的合作模式。
我国加入世界贸易组织后，保险这一行业的竞争越来越激烈。国外的发达国家曾在银行保险领域取得了相当不错的成绩，致使这一营销方法开始盛行。目前它已成为提高利润率的重要发展战略。但是自2005年以来，我国的银行保险行业发展较落后，行业业务量上下起伏不定，因此，保险与银行合作的模式不成熟，两类机构合作关系也不紧密。影响我国银行与保险合作模式的发展有多种原因，有我国国情和经济市场的原因，也有机构内部产品、渠道和公司文化的原因。如果想使银行与保险公司能有比较稳定、持续的健康合作关系，必须要深入我国经济体制的改革，银行与保险公司要建立共同的长远规划与目标，共同监管与合作，探索产品、渠道和内部管理的优良策略。
推动我国保险业快速增长的主要因素有：民众的收入是否是持续的增长、银行与保险的产业结构是否正确，是否符合我国的国情、民众接受教育的情况等。通过保险理论，对限制我国保险发展的原因进行分析，并使用理论计量方法制作成限制我国保险发展原因的表图，最后通过研究而得出结果。本文为五个部分，对影响我国银行保险发展的因素进行了分析，同时予以深刻剖析，从而找到我国银行保险发展的相应对策。

关键词：银行保险；影响因素；对策建议

Abstract
Strategy of bank insurance mutual penetration in the current market view that the insurance company and the bank, postal and other financial institutions to implement and fusion, and through the connection of the assets, integration and sales channels and customer resources sharing, an arrangement to provide banking and insurance products and services.
Competition in the finance and insurance industry is becoming increasingly fierce and the accession to the WTO situation, the bank insurance such as western developed countries generally adopt effective insurance marketing has become China's banks and insurance companies to open up new markets, improve the important development strategy of profit rate. But since 2005, the insurance business of our country bank rate traffic fluctuations, shows that the insurance market of our country bank is not very mature, the basis for cooperation between banks and insurance companies is not strong. Factors affecting the healthy development of the insurance business of China's banks is system, market, culture and other external factors, and the company philosophy, products, sales channels, technical service and other internal factors. To strengthen the supervision cooperation, building strategic alliance, make salary incentive system, speed up product transformation and innovation, implementation of Bancassurance network is an effective strategy for the healthy development of banking insurance business.
According to the insurance theories, this paper analyzes some factors affecting and restricting the development of China's insurance industry, and the use of econometric methods measurement model factors in the development of China's insurance industry influence construction. Through empirical results, sustained and stable growth of income, industrial structure gradual rationalization, and higher level of education is the main factors driving the rapid growth of China's insurance industry. This paper is divided into five parts, the factors that affect the development of Bancassurance in China are analyzed, at the same time be a profound analysis, the corresponding countermeasures in order to find the development of Bancassurance in china.

Keywords: Bank insurance; influence factors; countermeasures and suggestions

目  录
第一章 问题的提出    1
1.1选题背景    1
1.2研究意义    2
1.3研究框架    1
第二章 文献综述    4
2.1国外银行保险发展模式    4
2.1.1世界银行业三种模式    4
2.1.2美国花旗银行保险发展    4
2.1.3国外银行保险业发展困境    5
2.2我国银行保险发展环境    9
2.3银行保险在中国的现状分析    10
2.4我国银行保险未来发展思路    10
第三章 研究设计    13
3.1变量与模型关系形式的选择    13
3.2参数估计、检验及预测    13
3.3我国银行保险发展特点    15
第四章 实证因素分析    17
4.1经济发展水平    17
4.2政府态度    18
4.3法律环境    19
4.4文化环境    19
第五章 结论与建议    21
5.1开发适销的银行保险产品    21
5.2加快技术开发，建立和维护的网络信息系统    21
5.3加强从业人员的业务培训和市场营销力度    22
5.4金融控股公司的实现模式    22
5.5现阶段逐步放松分业监管,建立金融控股公司的防火墙制度    23
5.6逐步建立混业监管的法律体系,加强金融监管机构的协调运作    23
参考文献    25