【作者】 程永红；

【导师】 左仁淑；

【作者基本信息】 四川大学 ， 工商管理， 2002， 硕士

【摘要】 银行保险业务起步虽晚，但发展极为迅速，已成为寿险业务中增长最快、所占比例最大的部分。鉴于此，研究银行保险业务的发展，具有重要意义。本文采用宏观与微观相结合、理论研究和实证研究相结合的方法体系，对银行保险的发展，进行深入研究，在研究方法上进行了一些创新，在理论研究上借鉴了哲学、经济学、金融学、财务学的知识，力图从不同角度去指导银行保险。同时在银行保险的概念、内容和银保合作的模式等方面大胆地提出了自己的看法。本文共分四部分。第一部分：银行保险的基础理论研究。首先研究了银行保险的起源和概念，提出了银保合作的内容，最后从理论上对银保合作进行阐释。第二部分：银行保险的作用研究。本部分从宏观和微观两个层次阐述了银行保险的作用。第三部分：银保合作模式选择研究。首先研究了发达国家银行保险发展的现状和银保合作的四种模式，并对四种模式进行了比较和分析，在此基础上提出适合我国国情的银保合作模式。第四部分：银行保险的实证研究。通过对笔者工作的太平人寿保险有限公司为例进行银行保险发展的实证研究。首先，对太平的发展历史和股东进行了简要介绍，在广泛收集大量数据资料的基础上，深入分析了太平在中国大陆复业经营的背景和有利因素。研究了太平已推出和即将推出的银保产品的特点，提出了银保产品四大功能，即储蓄功能、投资功能、保障功能和免税功能。最后，对太平在发展中存在的内部问题和外部问题进行了仔细地剖析，在此基础上提出了八个方面的对策，希望能对其他保险公司银行保险业务的发展和银保合作的推进给一些启示。更多还原

【Abstract】 In spite of a little late beginning of Bane assurance business, its development is so rapid. With the fastest increasing and the largest occupying, Bane assurance has been a focus part in life insurance trade. Due to current condition, it is so significant to do some research to the development of Bane assurance business. Belonging to a combination system, which connected with macro and micro wrays, theory and practice, this document undertakes the deep research to further development of Bane assurance. On the basis of this research, the document draws other lessons from some knowledge and ways about philosophy, economics and finance, in different points of view, gives the guidance to Bane assurance. At the same time, some private points of view have been shown in the conception, content of Bane assurance, and in the cooperation ways between banks and assurance. This document includes four sections.Section 1: Basic theory research of Bane assurance. At first, researching the origin and conception of Bane assurance, pointing out the content of Bane assurance cooperation, then explaining the content in the theory.Section 2: Researching the important function of Bane assurance. In this section, setting forth the function in macro and micro ways.Section 3: Researching the style choice of Bane assurance. At first, describing the developing current condition and four styles of Bane assurance in the developed country. Then giving a effective comparison and scientific analysis, based on this, pointing out a style of cooperation, which is suitable to our national condition.Section 4: Positive research of Bane assurance. As an example, the author has practiced the positive research of Ban assurance development in Tai Ping LifeInsurance Co., Ltd. In this section, at first, giving a brief introduction of growing history and shareholders of Tai Ping Life, on the basis of a large number of data, showing the deep analysis of the background and beneficial factor of recovering the business of Tai Ping. Then, researching the features of existing Bane assurance products of this company, and listing four functions of these products, such as saving, investing, assurance and tax-free. At last, carefully dissecting some internal and external problems in the developing process of Tai Ping, based on this, showing eight ways to solve problems, and wishing to give some effective advice to business development and cooperation improvement of Bane assurance to other insurance company.更多还原