银行保险发展的影响因素分析摘要目前银行保险是银行、保险、金融与邮政等相关机构在工作与资产上相互连接、资源与渠道共享的合作模式。我国加入世界贸易组织后，保险这一行业的竞争越来越激烈。国外的发达国家曾在银行保险领域取得了相当不错的成绩，致使这一营销方法开始盛行。目前它已成为提高利润率的重要发展战略。但是自2005年以来，我国的银行保险行业发展较落后，行业业务量上下起伏不定，因此，保险与银行合作的模式不成熟，两类机构合作关系也不紧密。影响我国银行与保险合作模式的发展有多种原因，有我国国情和经济市场的原因，也有机构内部产品、渠道和公司文化的原因。如果想使银行与保险公司能有比较稳定、持续的健康合作关系，必须要深入我国经济体制的改革，银行与保险公司要建立共同的长远规划与目标，共同监管与合作，探索产品、渠道和内部管理的优良策略。推动我国保险业快速增长的主要因素有：民众的收入是否是持续的增长、银行与保险的产业结构是否正确，是否符合我国的国情、民众接受教育的情况等。通过保险理论，对限制我国保险发展的原因进行分析，并使用理论计量方法制作成限制我国保险发展原因的表图，最后通过研究而得出结果。本文为五个部分，对影响我国银行保险发展的因素进行了分析，同时予以深刻剖析，从而找到我国银行保险发展的相应对策。关键词：银行保险；影响因素；对策建议AbstractStrategyofbankinsurancemutualpenetrationinthecurrentmarketviewthattheinsurancecompanyandthebank,postalandotherfinancialinstitutionstoimplementandfusion,andthroughtheconnectionoftheassets,integrationandsaleschannelsandcustomerresourcessharing,anarrangementtoprovidebankingandinsuranceproductsandservices.CompetitioninthefinanceandinsuranceindustryisbecomingincreasinglyfierceandtheaccessiontotheWTOsituation,thebankinsurancesuchaswesterndevelopedcountriesgenerallyadopteffectiveinsurancemarketinghasbecomeChina'sbanksandinsurancecompaniestoopenupnewmarkets,improvetheimportantdevelopmentstrategyofprofitrate.Butsince2005,theinsurancebusinessofourcountrybankratetrafficfluctuations,showsthattheinsurancemarketofourcountrybankisnotverymature,thebasisforcooperationbetweenbanksandinsurancecompaniesisnotstrong.FactorsaffectingthehealthydevelopmentoftheinsurancebusinessofChina'sbanksissystem,market,cultureandotherexternalfactors,andthecompanyphilosophy,products,saleschannels,technicalserviceandotherinternalfactors.Tostrengthenthesupervisioncooperation,buildingstrategicalliance,makesalaryincentivesystem,speedupproducttransformationandinnovation,implementationofBancassurancenetworkisaneffectivestrategyforthehealthydevelopmentofbankinginsurancebusiness.Accordingtotheinsurancetheories,thispaperanalyzessomefactorsaffectingandrestrictingthedevelopmentofChina'sinsuranceindustry,andtheuseofeconometricmethodsmeasurementmodelfactorsinthedevelopmentofChina'sinsuranceindustryinfluenceconstruction.Throughempiricalresults,sustainedandstablegrowthofincome,industrialstructuregradualrationalization,andhigherlevelofeducationisthemainfactorsdrivingtherapidgrowthofChina'sinsuranceindustry.Thispaperisdividedintofiveparts,thefactorsthataffectthedevelopmentofBancassuranceinChinaareanalyzed,atthesametimebeaprofoundanalysis,thecorrespondingcountermeasuresinordertofindthedevelopmentofBancassuranceinchina.Keywords:Bankinsurance;influencefactors;countermeasuresandsuggestions目录第一章问题的提出.........................................................................................11.1选题背景..................................................................................................11.2研究意义....
