我国银行保险业务发展瓶颈和其对策研究.pdfVIP

我国银行保险业务发展瓶颈及其对策研究 内容提要 自1995年引入中国至今银行保险业务在中国已有近十年的长足发展，当前 市场性和政策性瓶颈成为制约我国银行保险业务全面升级的根本因素，对它们的 研究，一方面有利于规范化我国银行保险业务经营，另一方面有利于银行保险业 务模式更新，尤其在国内分业经营与监管金融体制和国际混业经营与监管不一致 背景下，有利于我国金融机构尝试混业经营的变通模式。 本文首先将我国银行保险业务发展瓶颈归纳为市场性和政策性瓶颈，然后从 三个银行保险业务利益相关方——保险公司、银行、消费者角度详细分析市场性 瓶颈和成因，从政策态度、税收环境、分业金融体制弊端、金融市场阐述了我国 银行保险业务发展的政策性瓶颈。 针对市场性瓶颈，笔者提出了加强银行保险业务市场调查力度，丰富银行保 险业务产品类型，拓展分销渠道，制定合理产品定价策略，财产银行保险业务分 析，以及加强银行和保险企业的战略协调和技术合作等突破措施。针对政策性瓶 颈，笔者提出保险资本和银行资本的间接融合以及金融控股公司是在分业经营和 监管模式下银行保险业务融合的灵活模式。 关键字：银行保险业务 瓶颈 市场性政策性 我国银行保险业务发展瓶颈及其对策研究 ABSTRACT After bancassurance business has made 10·year quite great progress since it’S introduction to China in 1995，market—related and policy-related bottlenecks become fundamental factors restricting China’S bancassurance business upgrade．So study on these bottlenecks is propitious to not only standardizing China’S bancassurance management，but also upgrading bancassurance business pattern，especially under the disagreement between domestic separate financial system and international multiple financial system，experimenting with multiple financial operation． The author firstly reduces various bottlenecks to two type：market—related and policy—related bottlenecks，and detailedly analyzes the market—related bottlenecks from three perspectives of bancassurance—related parties：insurance company,bank， customer,and demonstrates policy·related bottlenecks concerning governmental attitude，revenue circumstances，drawbacks of separate financial system，and financial market As to market—related bottlenecks，the thesis puts forth such measures as enhancing market research，enriching product types，expanding distribution channels， setting down proper pricing strategy，enhancing property bancassurance and coordinating banks’and insurance companies’strategies and technologies．Regarding policy—related bottlenecks，the author thinks indirect amalgamation between banks’ capital and insurance capital or financial holding company is flexible pattern under China’S separate financial system