银保合作的发展现状及对策研究.docVIP

银保合作的发展现状及对策研究 【摘要】银保合作是银行的资本和保险公司的资本相互融合下的产物。在经 济全球化的背景下，混业经营的趋势也日渐明显，其中银行和保险公司的合作就 是一个显著的代表，银保合作在我国逐渐发展起來，业务融合的趋势越來越紧密。 但是口前我国银行和保险合作的发展程度尚未完善,还存在着许多问题。银行和 保险的合作可以增强我国保险公司和银行的自身能力，形成一种优势互补、联合 发展、资源共享的良好格局，对增强我国金融业的市场竞争力和国际竞争力冇着 重大而深远的意义。 【关键词】银行保险；发展合作；模式研究； Abstract In the past eight months, different Chinese life insurance companies have signed letters of intent on cooperation with four big State-owned commercial banks and some famous city banks. The field of cooperation between the two sides was extended from the banks agent selling of insurance policy to its collecting and paying insurance premium, conducting financing business and online capital settlement, thus forming a new pattern featuring business penetration of both sides, mutual complementarity and mutual benefit. Relevant personages think that developing deep-seated cooperation between banking and insurance is in keeping with the development trend of the integration of international finance and has a far-reaching influence on the development and growth of Chinas finance, the improvement of the services of financial institutions and the raise of technical levels of services. It will result in the nthree wins of the banks, insurance companies and clients. keyword : bank insurance; development cooperation; mode research; TOC \o 1-5 \h \z 1、 弓 3 \o Current Document \h 2、 银保合作的发展现状 3 \o Current Document \h 3、 银保合作发展中存在的问题 3 \o Current Document \h 3.1产品种类单一 4 \o Current Document \h 3. 2合作深度不足 4 \o Current Document \h 3缺乏长期利益共享机制 5 \o Current Document \h 4、 银保合作发展的问题分析 5 \o Current Document \h 1现阶段处于粗放式的银保合作 5 \o Current Document \h 2信息交流不完善 6 \o Current Document \h 4.3银行保险手续费率持续攀升及保险公司之间的手续费恶性 7 \o Current Document \h 5、 银保合作发展的问题策略 7 \o Current Document \h 5.1加强产品创新 8 \o Current Document \h 5.2促进深层次战略合作 8 \o Current Document \h 3强化银保合作联盟，加强股权合作 9 \o Current Document \h 6、 感悟 10 \o Current Document \h 7、 致谢 10 8、 参考文献 11 1、引言 在全球经济一体化的背景下，我国金融业和保险业严格分业经营的界限正逐 渐被打破，银保合作得到了较快发展。