我国银行保险的现状和问题分析论文.docVIP

摘 要 银行保险合作作为世界经济一体化和金融服务融合的产物,已成为银行和保险业开辟新市场、提高利润率的重要手段。目前,我国银行保险还处于起步阶段,分析我国银行保险的现状及存在的问题,并提出相应的对策,有利于进一步深化我国银行与保险公司之间的合作。 金融是现代经济的核心,银行、保险、证券是金融体系的三大组成部分。近年来,随着经济全球化、一体化的发展和市场环境的变化,世界范围内金融严格分业经营的界限正逐渐被打破。金融全能化、超市化经营的趋势在西方国家日益明显,特别是银行与保险公司之间建立了新型的合作关系。例如保险公司利用银行的分支机构网络开拓新的销售渠道,由银行代理销售保险产品,代收保险费,代付保险金,这是国际上早已盛行,且目前在中国普遍存在的银行保险合作形式。 关键词：银行保险；银保通；存在问题；原因分析；对策ABSTRACT Bank insurance cooperation as the world economic integration and convergence of financial services products, has become the bank and the insurance industry opening up new markets, the important means to improve profitability. At present, Chinas bank insurance is still at the starting stage, analysis of Chinas bank insurance status and problems, and puts forward the corresponding countermeasures, are conducive to further deepening the cooperation between banks and insurance companies. Finance is the core of modern economy, banking, insurance, securities are the three major components of the financial system. In recent years, along with the economic globalization, the integration of the development and the change of market environment, worldwide financial strictly separate management boundaries are gradually being broken. Financial allround, supermarket management trend has become increasingly evident in western countries, especially between banks and insurance companies established a new partnership. For example, insurance companies use the banks branch network to develop new sales channels, sales agent of insurance products by banks, insurance premiums collected, pay the insurance money, which is already internationally popular, and now widely exist in China s bank insurance cooperation form Keywords：bank insurance；Yin Baotong；Existing problems；Cause analysis of；Countermeasures 目 录 摘要 Ⅰ Abstract Ⅱ 前言 1 一、银行保险相关理论研究综述 2 （一）基本概念的确定 2 1. 保险 2 2. 银行保险 2 （二）银行保险产生的原因 2 1. 是商业银行业务发展的需要 2 2. 是保险公司展业和扩大规模的需要 2 3. 银行代理保险业务发展潜力巨大 2 4. 银行代理保险业务方便客户 2 （三）国内外银行保险的合作模式 2 1. 契约代理模式 2 2. 战略伙伴模式 2 3. 资本合作模式 2 4.