陈睿睿毕业论文（终稿）.doc

我国银行保险现状与发展研究【摘要】由于经济发展水平及基本国情政策不同从产品的种类、期限或是合作销售渠道来讲我国与国外发达国家有很多不同之处。我国当前仍处在银行保险发展的初级阶段发展模式大部分以分销协议模式为主并有小量的战略联盟模式组成。而在英国分销协议模式与战略联盟模式已成过去式现在主要以银行控股保险公司和成立合资公司模式为主。银行进入保险公司的门槛非常高即使保险业发达也并不能改变这种状况。法国早期也以分销协议模式为主而因为他们起步早且政策监管宽松现阶段主要以成立合资公司模式为主大部分银行都有创立属于自己的保险子公司。美国银行保险发展缓慢主要把精力放在发展银行保险产品上在国内比较流行的是银行与保险公司合资或成为联盟。【关键词】银行保险、共赢、发展模式、金融一体化、改革注：本论文（设计）题目来源于教师的国家级（或省部级、厅级、市级、校级、企业）科研项目项目编号为：。ResearchonthepresentsituationanddevelopmentofbancassuranceinChina[Abstract]duetothedifferencesineconomicdevelopmentlevelbasicnationalconditionsandpoliciesChinaanddevelopedcountrieshavegreatdifferencesinproducttypestermsandcooperativesaleschannels.ItisofgreatpracticalsignificanceforthedevelopmentofChina'sbankingandinsuranceindustrytofindoutthegapscomparethedifferencesandcarryoutreformandinnovation.AsChinaisstillintheinitialstageofbankingandinsurancedevelopmentthedevelopmentmodelismainlybasedonthedistributionagreementmodelaccompaniedbyasmallnumberofstrategicalliancemodels.IntheUKtheyhavegonethroughdistributionagreementmodelsandstrategicalliancemodelswhicharenowdominatedbybankholdinginsurersandjointventures.HoweverthebarrierforBankstoenterinsurancecompaniesisveryhighandeveniftheinsuranceindustryisdevelopedthissituationcannotbechanged.InitsearlydaysFrancealsofocusedonthedistributionagreementmodel.Howeverduetotheearlystartandlaxpoliciesandregulationsthecurrentstageismainlyfocusedontheestablishmentofjointventures.MostBankshavesetuptheirowninsurancesubsidiaries.ThedevelopmentofbankinsuranceintheUnitedStatesisslowanditmainlyfocusesonthedevelopmentofbankinsuranceproducts.WhatismorepopularinChinaisthejointventureoralliancebetweenBanksandinsurancecompanies.[Keywords]bancassurancewin-windevelopmentpatternsfinancialintegrationreformation目录1.前言12