浅析我国的银保合作模式问题(11金融8班杨春梦).docxVIP

毕业论文学院 金融学院班级11金融18学名杨春梦 题目浅析我国的银保合作模式问题指导教师（姓名及职称）万光彩教授[总评成绩： ]浅析我国的银保合作模式问题金融学院国际金融专业11级8班 杨春梦导老师：万光彩教授内容摘要:随着世界经济进入全球化自由化之后，我国银保的合作也迎来了其发展的高潮，大规模的银行和保险公司纷纷签订了合作代理协议。但是，从整体上看，我国银保合作尚处于初级阶段，现实发展中还存在很多的问题，分析我国银保合作在发展过程中存在的问题，以利于银保合作能够朝着更好的方向去发展。银保合作是银行的资本和保险公司的资本相互融合后的产物，在经济全球化自由化的背景下，我国银保的合作模式采用混业经营模式，混业经营模式能够更好地将银行和保险相互融合起来，以利于双方更好地发展，银行与保险的合作可谓是该模式发展的最佳代表。目前，我国银行和保险公司的合作体系尚未完善，还存在许多问题。银行和保险公司在彼此合作的过程中，双方的业务经营水平都得到了很大的提升，也形成了一种优势互补、联合发展、资源共享的良好合作局面，在很大程度上增强了我国金融业的核心竞争力。关键词:银保合作，兼业代理，混业经营The Current Situation and Prospect of Bank—insurance Cooperation in ChinaAbstract: After Chinas accession to WTO, Chinas insurance cooperation ushered in a climax after another, more and more banks and insurance companies signed a cooperationagreement. But, on the whole, our insurance is still in the primary stage, many factors restrict the insurance cooperation still exists in reality, analysis of Chinas insurance cooperation problems in the development process, in order to facilitate the insurance development to a higher level.It is a product of bank capital and insurance capital mutual fusion, under the background of economicglobalization, the mixed operation mode has become increasingly clear, the bank and the insurance company cooperation is the best representative of bank and insurance companys cooperation in our country gradually grow up, business integration trend has become increasingly close. But at present, the degree of cooperation of Chinese banks and insurance companies are not yet perfect, there are still many problems. Banking and insurance cooperation can enhance their ability of business development of Chinas insurance companies and banks, formed a good pattern of joint development,complementary advantages, resource sharing, has significant and profoundsignificance to enhance the market competitiveness of Chinas financial industry and international competitiveness.Key Words :Bank – insurance Cooperation ,Relation of Agency ,Pattern of M