浅析中国银行保险业务的发展——以中国平安保险公司为例

摘要

随着全球经济的发展，金融业的全球化与一体化趋势不断增强，可以预见，我国金融业也将面临着越来越严峻的挑战。尤其是在我国自2001年正式加入WTO以后，分业经营模式愈发的处于劣势之中，因此，我国保险、银行等不同金融行业之间混业经营模式开始发展。随着金融机构之间混业经营的开展，诞生了银行保险这一重要的金融产品，也成为国际保险行业的重要发展趋势之一，在这样的条件下，银保合作显得尤为重要，必须向更高层次发展。虽然我国保险行业在该银行保险方面取得了长足的发展与进步，有了初步的经验和探索，但是，实践中存在的诸多问题仍有待解决。在金融机构的混业经营上，平安保险一马当先，在保险业务为核心的基础之上，逐渐成长成为一家多元化的金融服务巨头，他们银行保险业务的发展模式值得我们去分析和探讨，以便在我国大环境下对银行保险加快创新步伐，完成新的探索，探寻一条具有中国特色的金融保险机构发展道路，促进我国金融保险行业的进一步发展。

关键词：银行保险平安保险公司金融一体化混业经营

Abstract

With the development of the global economy, the trend of globalization and integration of the financial industry is increasing. It is foreseeable that China's financial industry will also face more and more severe challenges.Especially since China formally joined the WTO since 2001, the model of separate operation has become more and more disadvantaged. Therefore, the mixed operation mode between the different financial sectors of China's Insurance and banks has been developed.The bankassurance has become one of the products of the mixed operation. At the same time, the bank insurance has become the main trend in the international insurance industry, and the cooperation of the banking insurance will inevitably go to the deeper development. China's insurance industry has made some useful attempts and explorations in bankassurance business, gained some experience and achieved rapid development. However, the bankassurance in China is still in the initial stage of development, and many deficiencies and problems need to be solved have been found in practice.As a pioneer of the mixed operation of the financial industry in China, Ping An insurance company is a world leading diversified financial service group with the core of the insurance business. The development mode of their banking insurance business is worth analyzing and discussing in order to accelerate the

innovation of the bank insurance and complete the new exploration under the great environment of our country. In order to find a new way of development for China's insurance industry, China's banking and insurance business is a new way of development.

Keywords：Bankassurance, Ping An insurance company, financial integration, mixed operation

前言

一、银行保险的理论基础 (6)

（一）金融服务的一体化和全球化 (6)

（二）营销渠道创新 (6)

（三）银行保险发展的原因分析 (7)

二、发达国家银行保险业务的发展现状 (7)

（一）法国银行保险业务的发展史 (8)

（二）法国银行保险业务发展现状 (8)

三、平安保险公司银行保险发展现状及问题分析 (10)

（一）平安保险公司银行保险业务发展的现状 (10)

（二）平安保险公司银行保险未来趋势的SWOT分析 (12)

四、银行保险新模式中保险监管机构的配套改革建议 (18)

（一）加快建立我国混业经营分业监管的模式 (19)

（二）建立健全银行保险业务监管法律体系 (19)

（三）参考借鉴西方发达国家经验 (21)

（四）完善国内银行保险观念 (22)

（五）加强银行专业人才培养 (23)

（六）完善银行多元化产品研发 (24)