| 中国银行保险模式及监管方式选择 |
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| 引用本文： | 刘珺,杨馥.中国银行保险模式及监管方式选择[J].西安财经学院学报,2011,24(2). |
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| 作者姓名： | 刘珺 杨馥 |
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| 作者单位： | 西安财经学院,陕西,西安,710100 |
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| 基金项目： | 幸福人寿保险股份有限公司陕西省分公司银行保险部委托课题 |
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| 摘 要： | 银行保险的实现方式按照金融一体化程度从低到高可以分为协议合作模式、合资企业模式、金融集团模式和业务线一体化模式四种。由于多对多的协议合作模式在我国居于主导地位,我国银行保险市场出现了恶性竞争愈演愈烈、竞争行为有待规范、服务质量亟待提高和银保监管滞后等问题,严重地制约了中国银行保险的可持续发展。根据西方国家银行保险的发展历程,并结合中国保险业和银行业的实际情况,中国银行保险应当分为独家分销代理模式和金融控股集团模式两步走,我国的金融监管也有必要在动态中完善并最终向统一监管发展。
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| 关 键 词： | 银行保险合作模式 独家分销代理 金融控股集团 监管体制 |
The Model of China's Bancassurance and Choice of Supervision Method |
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| LIU Jun,YANG Fu.The Model of China''s Bancassurance and Choice of Supervision Method[J].Journal of Xi‘an Institute of Finance & Economics,2011,24(2). |
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| Authors: | LIU Jun YANG Fu |
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| Institution: | LIU Jun,YANG Fu(Xi'an University of Finance and Economics,Xi'an 710100,China) |
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| Abstract: | According to the financial integration from low to high degree,the bancassurance can be divided into cooperation by agreement model,joint venture enterprise model,financial group model and business line integration model.But the more to morecooperation by agreement model has led to some problems such as vicious competition,bad competition behavior,bad service quality and lagged-behind supervision which have limit the continuous development of bancassurance in China.According to the bancassurance history in ... |
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| Keywords: | cooperation model of bancassurance one to onecooperation model financial group supervisionsystem |
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