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论文编号：	2583
作者编号：	2220080835
上传时间：	2010/6/12 10:38:05
中文题目：	中国银行代理保险业务发展战略研究
英文题目：	Study on the development strategy of Bancassurance of Bank of China
指导老师：	张永强
中文关键字：	关键词： 中国银行 代理保险 银保合作 发展战略
英文关键字：	Key Words: Bank of China Bancassurance Cooperation between Bank and Insurance Co. Development Strategy
中文摘要：	摘 要 近年来，随着金融服务业的不断发展，大力发展代理保险业务已经成为商业银行调整业务结构、提升中间业务收入的重要手段。商业银行与保险公司之间以代理保险业务为切入点，通过共享资源、优势互补，可以在资金业务、资产托管、国际结算、并购贷款等方面开展全方位的合作。 本文首先阐明了代理保险业务的定义和产生动因；随后通过国际、国内代理保险业务发展的概述，国内银保市场的发展情况对银行代理保险行业的外部环境进行了分析；其次分析了中国银行发展代理保险业务的现状和制约因素；再次，提出了中国银行发展代理保险业务的战略构想；最后，提出了中国银行实现代理保险业务战略目标的具体实施手段。 论文的创新点在于，从理论与实际相结合的角度，通过分析中国银行发展代理保险业务的制约因素，提出了客户、产品、渠道三大发展战略，指出中国银行发展代理保险业务要坚持总行“三业并举”战略、坚持 “调结构、扩规模、防风险、上水平”战略，并从考核激励、人员队伍建设、资源整合、营销渠道、银保产品创新等方面提出了战略实施对策。 论文提出，本着“实事求是，深入实际，调查研究，总结经验，推广典型”的原则，中国银行应坚持科学发展、统一思想、复制经验、整合资源、精耕细作、狠抓风控，落实各项工作措施,推动代理保险业务四大行市场占有率逐年稳步提升，最终实现争先晋位。
英文摘要：	With the development of financial services industry in recent years, the bancassurance business has been an important measure for commercial banks to adjust the business operation structure and to level up the fee-based business income. Taking the bancassurance business as the breakthrough point, by means of resource sharing and strengths complementing, commercial banks can develop comprehensive cooperation with insurance companies in various fields, such as treasury operation, asset custody, international settlement, merge and acquisition loan and etc. This thesis reviews the history and current situation of the bancassurance business in both domestic and foreign banks, analyzes the limitation factors of bancassurance operations of Bank of China, and hereafter proposes three development strategies in customers, products and channels. It is suggested that the bancassurance business be developed. Bank of China must adhere to “Commercial banking, insurance, investment banking, three business develop simultaneously”, and insist the operating strategy which is “optimizing structure, scaling up, mitigating risk, and sharpening competitiveness”. Subsequently, the author suggests six specific perspectives to achieve the strategic goals in the respects of construct of performance assessment and incentive mechanism, construct of persons in charge of bancassurance, construct of resources integration, construct of marketing channels, construct of bancassurance products and construct of risk management. The whole bank, from headquarter to branches, must adhere to “seek truth from facts, penetrate practice, implement survey and research, summarize experiences and popularize typical cases”. Bank of China should conduct the working solutions in the respects of developing scientifically, unifying cognition, duplicating experiences, integrating resources, and emphasizing risk management and practice every measure to upgrade the market share of bancassurance among big-four commercial banks steadily year by year, so as to strive for leading position and enhance the ranking.
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