论文-银行代理保险业务发展的问题及对策..doc

PAGE PAGE 3 金融学概论 课程论文 题 目: 商业银行保险代理业务的创新与发展 年级专业： 会计学F1208 学生姓名： 学 号： 指导教师： 结构 内容 格式 总分 商业银行保险代理业务的创新与发展 摘要 伴随着金融市场一体化产生的银行保险业务，经过十余年发展已初具规模，并成为商业银行中间业务收入的一项重要来源，但目前银行的保险业务还仅局限于代理销售保险的初级阶段，本文拟从商业银行银保业务的基本理论入手，借鉴世界主要国家银保业务发展历史，深入分析银保业务创新的必要性，并提出银保业务创新的模式设想和业务开展中的风险防范措施。银行保险业务近年来发展迅速,银行代理保险业务手续费也促进了银行收益。但是各商业银行机构发展不平衡,银行保险产品结构也存在不合理的现象,银保合作层次低,产品销售存在误导等现象制约了发展。本文从保险业务的发展现状和发展存在的问题，给出了加快发展我国银行保险业务的对策。 关键词：银行保险 业务发展 问题对策 业务创新 Title :Innovation and development of the insurance agency business in commercial bank Abstract Accompanied by the integration of the financial market of bank insurance business, after ten years of development has begun to take shape, and become an important source of commercial bank middle business income, but the banks insurance business was limited to the primary stage of the agent of the insurance, the basic theory of insurance business from commercial banks, from the world the main national bank and insurance business development history, in-depth analysis of the necessity of bancassurance business innovation, and proposes the risk prevention measures and modes of business bank and insurance business innovation development. Bank insurance business has developed rapidly in recent years, the bank insurance agency fees will promote the banks return. But the development of commercial banks is not balanced, the structure of insurance products bank also has unreasonable phenomenon, the bank insurance cooperation level is low, product sales are misleading phenomenon restricts the development. In this paper the development present situation and the development of insurance business problems, and puts forward countermeasures to accelerate the development of the insurance business of our countrys banks. Key word: Bank insurance Business developm