香港银保合作发展模式及对中国內地的借鉴探讨.pdfVIP

中文摘要 本文首先对银行保险作一概述，较全面地介绍了香港及国内 外银行保险历史、发展概况，随后深入分析了银行保险产生 的背景和动因以及西方银行保险主流的三种合作模式，并对 欧洲和亚洲国家银行保险发展情况、经营管理模式以及相关 成功经验进行了探讨。在上述理论研究的基础上，文章以香 港非壽險为视角，探讨了银行保险业务对商业银行的战略意 义，深入分析了香港保險業当前银保业务现状、发展中存在 的问题和主要原因。最后文章就中國的保險公司如何加强与 银行的合作，加快银行保险业务发展进程提出了发展策略， 主要从经营观念、产品和服务创新、培养人才、电子化网络 运用、保险法律和法规及银行监管措施幾方面，结合交我國 实际情况，对银保业务的发展提出具体操作性的建议和实施 措施。 关键字：银行保险，非壽險，香港 ABSTRACT The thesis first gave a general introduction regarding bancassurance and it’s development history of Hong Kong and China. It further analyzed the background and the development and the model of the western country. This paper also introduced the general outline of the bancassurance business, the model and relevant successful experiences in Europe and Asia. Based on the above academic research, the author used Hong Kong as an example to carry out a case-analysis of bancassurance business development strategy. After finding out the problems regarding bancassurance business of the bank, the author gave the relevant solutions to the bank, including cooperation model, product service innovation, human resources, training, information technology, insurance law and regulation. Based on the above, the author proposed some resolutions for China’s bancassurance development. KEY WORDS: bancassurance, general insurance, Hong Kong 录 录 理论础讨 行营区 行 行对内行 环 六结论议 前言 随着金融竞争的加剧