我国银行保险的发展与思考.docxVIP

摘 要 近年来，随着金融业竞争的加剧和全球金融一体化的推进，银行保险已成为当今国际金融保险业的主要发展趋势之一。而我国银保在10多年的发展历程中，呈现出快速发展的势头，但同时也暴露出诸多问题。为此，总结分析当前我国银行保险在迅速发展中存在的问题，借鉴国外银保合作的成功经验，并结合我国国情，采取积极有效的实际措施，从而促进我国银行保险长期、稳定、健康的发展。 本文围绕我国银保所处的现状及其对今后发展趋势的思考，结合大量文献，从理论的角度分析，并大胆提出我国发展和完善银行保险业务的一些观点和策略。 关键词： 银行保险 发展 趋势  Abstract In recent years, with the intensifying competition of the financial industry and the advancement of global financial integration, the bank insurance has already become one of the main development trends of the current international finance insurance. However, in more than 10 years of development history, our country’s bank insurance has presented a rapid development momentum. At the same time, it exposed many problems. Therefore, it’ s necessary to summarize and analyze the problems of our country’s current bank insurance in rapid development, take examples by the successful experience of the foreign bank insurance, and combine with Chinese actual situation, take effective measures to promote our countrys bank insurance long-term, steady and healthy development. The article centre on the subject, which about the current situation of our country’s bank insurance and its growing trend in the future, by combining with a large number of documents when from the perspective of the theory, I will put forward some points of my view and the strategy for developing and perfect our country’s bank insurance. Key words: Bank Insurance Development Tendency  目 录 前言 ………………………………………………………………………… 1 一、我国银行保险的发展概述 …………………………………………… 1 （一）我国银行保险的发展阶段 …………………………………… 1 1、萌芽阶段 ………………………………………………………… 1 2、高速成长阶段 …………………………………………………… 1 3、转型阶段 ………………………………………………………… 1 （二）我国银行保险的发展现状……………………………………… 2 1、银行保险保费收入呈增长趋势，增长速度逐渐放缓 ………… 2 2、银行保险成为人身保险保费收入的第三根支柱，其占人身险市场份额大幅上升后趋于稳定 ……………………………………… 2 3、银行保险以储蓄类投资型分红险产品为主 …………………… 2 4、银行保险合作模式呈现出混业融合的趋势 …………………… 2 5、银保合作主要在五个方面，合作范围较窄 …………………… 3 （三）我国银行保险发展过程中存在的问题 ……………………… 3 1、银行保险以松散型的“协议合作”为主要经营模式，行为短期化 ………………………………………………………………… 3 2、产品种类单一，消费者缺乏选择 ……………………………… 3 3、缺乏专业