论文标题:对当前我国银行保险合作的思考
On the Cooperation of China"s Current Bancassurance
论文作者 梁媛
论文导师 方齐云,论文学位 硕士,论文专业 西方经济学
论文单位 华中科技大学,点击次数 25,论文页数 47页File Size499k
2004-10-01论文网 http://www.lw23.com/lunwen_319680882/ 银行保险; 手续费; 优势; 合作策略
Bancassurance; Fee; Advantage; Strategy of Cooperation
银行保险是指银行通过各种方式向客户提供保险产品而进入保险业。它产生于20世纪80年代的欧洲,目前已经发展到相当成熟的阶段。银行保险为银行、保险公司和客户三方创造的利益也越来越充分地体现出来:银行通过银行保险增加银行的中间业务收入,利用现有的销售渠道摊平和降低网点的建设成本,同时为客户提供多元化全方位的综合金融服务;保险公司借助银行庞大的网点优势和深入人心的品牌,降低成本,扩大销售渠道;消费者在银行“一站式”体系中享受到高效、便利的服务。目前在我国,一方面消费者的金融意识不断加强,对高质量、一体化的金融服务需求逐渐增加;另一方面,随着全球金融自由化、一体化的发展,已加入WTO的中国必将面临国外金融机构的巨大的冲击。银行保险在我国发展的深度和广度直接影响到我国金融业的发展趋势,因此对它的研究在我国当前的环境下显得尤为必要。本文从微观的角度来研究银行保险,相比与传统的宏观的、抽象的研究,从双方的合作行为入手,分析银行和保险公司为追求各自利益的最大化,权衡多方利弊并最终形成合作的空间和条件。大多数的文章忽视银行保险中合作双方的个体行为,而本文的研究就建立在合作参与双方的个体行为基础上。在研究方法上,本文主要采用了净现值和博弈两种方法,得出银行和保险公司合作的空间和策略。本文着重分析我国目前分业经营的情况,从简单协议合作中微观主体的各种因素出发,用NPV模型具体分析了合作双方的利弊,以净现值为标准,构建了银行和保险公司的合作空间;并利用博弈模型得出银行和保险公司的最优谈判策略;同时针对我国银行保险的发展提出了若干的建议,希望能为我国目前分业经营政策环境下银行与保险公司的合作提供有用的参考。
Bancassurance is referred to banks enter insurance field through offering insurance products to their customers. Emerging from 1980’s, it has deeply developed in Europe. Its benefit to bank, insurance company and customer are becoming more and more obviously: Banks increase their income, decrease costs as well as offer multi-product to customers through bancassurance; Insurance company hope to increase their reputation, decrease costs, at the meanwhile, expand its distribution channels; Furthermore, it is very convenient for customers to get one-stop service. Currently, on the one hand, customers in China are becoming aware of the financial ideas so that the demand for high-level financial product is extremely increased; On the other hand, with the globalization of the finance around the world, China which has entered the WTO is facing the challenges from foreign financial constitution. The development of bancassurance will have great influence on the trend of the finance industry of China. So the research in this field is indispensable, especially in China. This dissertation studies the activities of the cooperation between bank and insurance company from micro view. In contrast to traditional methods of studies from macrocosmic and whole view, from the action of the two cooperators, this dissertation analyses their benefit by maximizing their own function and get the cooperative space as well as the strategy of this cooperation. In the literature of this field, the studies of individual action are ignored frequently, but the analysis in this dissertation is based on the studies of individual action. NPV model and Game theory are used in this dissertation. Different from previous study, focusing on the special situation in China, this dissertation analyses the advantages and the disadvantages of bancassurance by NPV model from explaining various elements of the partners who take part in this cooperation and get the space of the cooperation. Then Game Theory is applied in this dissertation on this field, analyzing the best strategy not only for bank but also for insurance company. This dissertation offers useful suggestion for both bank and insurance company to further their cooperation, especially in China. I hope they are useful.
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