【作者】 曾欣；

【导师】 曾令华；

【作者基本信息】 湖南大学 ， 金融学， 2007， 硕士

【摘要】 随着金融竞争的加剧和金融一体化的推进,银行、保险、证券相互渗透和融合已成为一种世界潮流。其中,银行与保险的合作因其整合了两个行业的资源而具有的明显优势,发展最为迅速。在西方国家甚至出现了一个新的词汇—Bancassurance,即银行保险。它是在欧洲金融、税法和立法产生巨大变化的背景下产生的,自20世纪80年代从欧洲产生以来,在世界范围内获得了巨大的成功。目前我国金融业实行严格的分业经营和分业管理。银行保险自1996年出现于中国,虽然发展迅速,但总体来说目前还处于协议合作为主、战略联盟为辅的初级阶段,这种松散合作方式已逐步暴露出很多问题。随着我国加入WTO,国内金融市场将进一步开放,外资金融机构不断涌入,国内金融业将面临前所未有的挑战。不可避免,我国金融业也会进入“混业”时代,银保合作必将向更深入层次发展。本文正是基于这样的背景,通过对西方银保合作和国内银行保险业务现状深入探究,借鉴银行保险在国外的成功经验,探寻适合我国银保合作的经营模式。通过对国外银行保险的发展状况、经营模式及发展环境的分析比较,认为银行保险的发展与立法、经济、文化、金融市场环境以及税收等因素都有很大关系,而决定银行保险发展水平的则是银行保险经营模式。协议合作、股权合作以及金融集团化三种经营模式,其合作深度依次加深,三者各有适用的范围及利弊。而选择怎样的银行保险经营模式,需要依据其特定的经济、政策、监管和市场环境做出决定,是与金融融合的进程相契合和一致的。我国市场的开放、法律的松绑,经济环境的不断完善,都不是能够一蹴而就的,所以我国并不可能一夜之间从根本上改变现在的分业经营。金融控股集团模式的优势在于,能够使银行和保险公司在现有分业经营的法律框架内实现合业经营,获得混业经营的正面效应,是我国发展银行保险的最合适模式选择,也是我国最终向混业经营迈进的较好形式。同时基于我国现有的国情,我国银行和保险公司从浅层次的“银保合作”到“银保一体化”是个渐进的过程,应该有计划、有步骤、分阶段地进行,最终过渡到混业经营。最后文章提出了现阶段加快银行保险发展可采取的措施。更多还原

【Abstract】 With the aggravation of competition and promotion of financial integration, the permeation and merger of the bank, insurance, securities had become the world trend. Among them, the cooperation between insurance and bank was fast because of its distinct advantages of joining the resources of both industries together。It produced under the background that finance, tax law and legislating produced enormous change in Europe. In the western countries, there even presented a new vocabulary ---Bancassurance. Bancassurance has turned out to be a great success, since it was originated in Europe in 1980’s。According to relevant regulations, the financial field carried out separate management and separate supervision strictly in our country. Bancassurance has arisen in China since 1996, although developing swiftly, but the cooperation pattern of Chinese bancassurance is on the elementary stage. At present, agreement cooperation and strategic alliance is individually and the secondary pattern, and the loose cooperative pattern has revealed a lot of problems gradually. But as domestic financial market opens gradually after entering into WTO, more and more overseas financial companies have been entering our insurance field, domestic financial circles faced unprecedented challenges. Unavoidable, the financial circles of China will enter "mixing industry" era too, the cooperation of bank and Insurance Company will be developed too.Under such background and through the introduction of western bancassurance and analyses the development of China, this thesis clarified that bancassurance was a realistic choice for bank and insurance-company under the trend of merging among financial industry. Besides, it tried to seek a concrete strategy and mode that suit China bancassurance development.By compared to that the developing status, management mode and environment of bancassurance abroad,the author thought that development of bancassurance all has very big something to do with laws and regulations , economy , social culture , financial market and tax revenue etc., but bank cooperated with the insurance company in close cooperative pattern is the key. The agreement cooperation mode, participate in stock right mode and the financial clique mode, third every have advantages and disadvantages. How to choose should be dependent on economic, policy, supervision and market environment. The opening of our country and improves and perfection of economy environment do not to be able to reach the goal in one step, our country may not change the separate management mode between one night. The financial holding company is the best collaboration option for China’s insurers and banks at this stage. Based on the actual conditions of our country, the cooperation of bank with insurance company should have a step according to plan, go on by stages, arrive at integrative management ultimate. Final the author has been submitted some offer to accelerate the development of bancassurance.更多还原