银行保险利益分配机制研究.rar
银行保险利益分配机制研究,目录摘要 iiiabstract iv引 言 11 银行保险概述 21.1 银行保险的起源和发展 21.2 银行保险利益分配体系及意义 31.2.1 银行保险利益分配体系 31.2.2 建立利益分配体系的意义 32 国内银行保险的利益分配现状分析 52.1银行和保险公司双方获取利益的主要渠道 5...
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银行保险利益分配机制研究
目录
摘要 III
Abstract IV
引 言 1
1 银行保险概述 2
1.1 银行保险的起源和发展 2
1.2 银行保险利益分配体系及意义 3
1.2.1 银行保险利益分配体系 3
1.2.2 建立利益分配体系的意义 3
2 国内银行保险的利益分配现状分析 5
2.1银行和保险公司双方获取利益的主要渠道 5
2.2 银行保险的代理成本分析 5
2.2.1 道德风险给公司带来的利益损失 6
2.2.2 建立和实施代理业务过程中所发生的费用 6
2.2.3 决策差异给保险公司造成的潜在损失 6
2.3 主要利润分配主体——手续费分析 6
2.3.1 全国银保手续费收入的总体规模 6
2.3.2 由于手续费产生的相关矛盾 7
3 现存银行保险利益分配体系面临的困难 8
3.1 银行保险利益分配理论探讨 8
3.2 银行保险利益分配规范实施 9
4 成功经验借鉴 10
4.1 法、美两国的银行保险利益分配机制 10
4.1.1 法国银行保险利益分配 10
4.1.2 美国银行保险的利益分配 11
5 完善现存利益分配的建议 12
5.1 通过完善激励机制减少代理保险手续费的流失 12
5.2 逐步推进费率的市场化 13
5.3 规范保险代理行为 13
5.4 降低银行保险成本及提高代理制度的效率的建议 13
结 论 15
参考文献 16
致谢 17
摘 要
随着金融市场的不断发展，银行和保险的相互融合和渗透已经成为全球范围内一个十分显著的趋势，而银行保险的产生必然导致原有相应的利益分配格局产生变化，随着银行保险的不断发展和深入，由原有保险产品所产生的原生保险收益以及创新所产生的边际延伸利益都将有较大幅度的增加，因此在商业银行、保险公司以及消费者个人之间如何建立合理顺畅的利益分配机制，将是银行保险是否能够顺利健康发展的根源所在。利益如何分配成为制约银保合作的一个重要因素，只有在三者之间建立起有效的利益分配机制，才能使利益在三者之间及至周边经济单位之间得到均衡的分配，从而逐步解决国内银保合作所存在的各种障碍，并因此产生积极推动作用，才能使银行保险更好的向前发展。
本文鉴于以上理论，共分五个部分对银行保险利益分配进行探讨。第一部分是对银行保险的概述，第二部分对国外的利益分配进行探讨，第三部分是对我国目前的银行保险和利益分配进行分析，由二、三部分得出利益分配的必要和重要性，第四部分对简述利益分配体系在我过建立的困难，最后一部分提出对改善现状的建议。
关键词： 协同效应,银行保险,利益分配
Abstract
With the continuous development of the financial market, Banks and insurance fusion of and penetration has become a worldwide trend of a remarkable, and the bank insurance generation will inevitably lead to the interests of the original distribution pattern corresponding change, as bank insurance produced the constant development and thorough, produced by the original insurance products of the primary insurance benefits and innovation produces marginal extensions interests will have a dramatic rise in business, so Banks, insurance companies and between individual consumers how to establish the reasonable smooth interest distribution mechanism, will be bank insurance whether can smooth the source of health development. Interest how to allocate the cooperation between Banks and insurance constraints become an important factor, only in between the three set up effective interest distribution mechanism, can cause the interest in between the three when peripheral economy between the distribution of units get equilibrium, thus gradually solve domestic Yin bao cooperation various existing barriers, and therefore generate positive role, so that Banks can insurance better forward development.
This article in view of the above theory, is divided into five parts to bank insurance interest distribution are discussed. The first part is to bank insurance, the second part of an overview of the distribution of interests abroad were discussed, and the third part is to present bank insurance and distribution of interests is analyzed, and obtained by two, three parts necessary distribution of interests, the importance and the fourth part of profit distribution system briefly in a difficult, I had proposed for the final part of the Suggestions to improve the situation.
Keywords: bank insurance; Distribution of interests; synergies
目录
摘要 III
Abstract IV
引 言 1
1 银行保险概述 2
1.1 银行保险的起源和发展 2
1.2 银行保险利益分配体系及意义 3
1.2.1 银行保险利益分配体系 3
1.2.2 建立利益分配体系的意义 3
2 国内银行保险的利益分配现状分析 5
2.1银行和保险公司双方获取利益的主要渠道 5
2.2 银行保险的代理成本分析 5
2.2.1 道德风险给公司带来的利益损失 6
2.2.2 建立和实施代理业务过程中所发生的费用 6
2.2.3 决策差异给保险公司造成的潜在损失 6
2.3 主要利润分配主体——手续费分析 6
2.3.1 全国银保手续费收入的总体规模 6
2.3.2 由于手续费产生的相关矛盾 7
3 现存银行保险利益分配体系面临的困难 8
3.1 银行保险利益分配理论探讨 8
3.2 银行保险利益分配规范实施 9
4 成功经验借鉴 10
4.1 法、美两国的银行保险利益分配机制 10
4.1.1 法国银行保险利益分配 10
4.1.2 美国银行保险的利益分配 11
5 完善现存利益分配的建议 12
5.1 通过完善激励机制减少代理保险手续费的流失 12
5.2 逐步推进费率的市场化 13
5.3 规范保险代理行为 13
5.4 降低银行保险成本及提高代理制度的效率的建议 13
结 论 15
参考文献 16
致谢 17
摘 要
随着金融市场的不断发展，银行和保险的相互融合和渗透已经成为全球范围内一个十分显著的趋势，而银行保险的产生必然导致原有相应的利益分配格局产生变化，随着银行保险的不断发展和深入，由原有保险产品所产生的原生保险收益以及创新所产生的边际延伸利益都将有较大幅度的增加，因此在商业银行、保险公司以及消费者个人之间如何建立合理顺畅的利益分配机制，将是银行保险是否能够顺利健康发展的根源所在。利益如何分配成为制约银保合作的一个重要因素，只有在三者之间建立起有效的利益分配机制，才能使利益在三者之间及至周边经济单位之间得到均衡的分配，从而逐步解决国内银保合作所存在的各种障碍，并因此产生积极推动作用，才能使银行保险更好的向前发展。
本文鉴于以上理论，共分五个部分对银行保险利益分配进行探讨。第一部分是对银行保险的概述，第二部分对国外的利益分配进行探讨，第三部分是对我国目前的银行保险和利益分配进行分析，由二、三部分得出利益分配的必要和重要性，第四部分对简述利益分配体系在我过建立的困难，最后一部分提出对改善现状的建议。
关键词： 协同效应,银行保险,利益分配
Abstract
With the continuous development of the financial market, Banks and insurance fusion of and penetration has become a worldwide trend of a remarkable, and the bank insurance generation will inevitably lead to the interests of the original distribution pattern corresponding change, as bank insurance produced the constant development and thorough, produced by the original insurance products of the primary insurance benefits and innovation produces marginal extensions interests will have a dramatic rise in business, so Banks, insurance companies and between individual consumers how to establish the reasonable smooth interest distribution mechanism, will be bank insurance whether can smooth the source of health development. Interest how to allocate the cooperation between Banks and insurance constraints become an important factor, only in between the three set up effective interest distribution mechanism, can cause the interest in between the three when peripheral economy between the distribution of units get equilibrium, thus gradually solve domestic Yin bao cooperation various existing barriers, and therefore generate positive role, so that Banks can insurance better forward development.
This article in view of the above theory, is divided into five parts to bank insurance interest distribution are discussed. The first part is to bank insurance, the second part of an overview of the distribution of interests abroad were discussed, and the third part is to present bank insurance and distribution of interests is analyzed, and obtained by two, three parts necessary distribution of interests, the importance and the fourth part of profit distribution system briefly in a difficult, I had proposed for the final part of the Suggestions to improve the situation.
Keywords: bank insurance; Distribution of interests; synergies
