銀行保險利益分配機制研究

目錄
摘要 III
Abstract IV
引 言 1
1 銀行保險概述 2
1.1 銀行保險的起源和發(fā)展 2
1.2 銀行保險利益分配體系及意義 3
1.2.1 銀行保險利益分配體系 3
1.2.2 建立利益分配體系的意義 3
2 國內(nèi)銀行保險的利益分配現(xiàn)狀分析 5
2.1銀行和保險公司雙方獲取利益的主要渠道 5
2.2 銀行保險的代理成本分析 5
2.2.1 道德風險給公司帶來的利益損失 6
2.2.2 建立和實施代理業(yè)務過程中所發(fā)生的費用 6
2.2.3 決策差異給保險公司造成的潛在損失 6
2.3 主要利潤分配主體——手續(xù)費分析 6
2.3.1 全國銀保手續(xù)費收入的總體規(guī)模 6
2.3.2 由于手續(xù)費產(chǎn)生的相關矛盾 7
3 現(xiàn)存銀行保險利益分配體系面臨的困難 8
3.1 銀行保險利益分配理論探討 8
3.2 銀行保險利益分配規(guī)范實施 9
4 成功經(jīng)驗借鑒 10
4.1 法、美兩國的銀行保險利益分配機制 10
4.1.1 法國銀行保險利益分配 10
4.1.2 美國銀行保險的利益分配 11
5 完善現(xiàn)存利益分配的建議 12
5.1 通過完善激勵機制減少代理保險手續(xù)費的流失 12
5.2 逐步推進費率的市場化 13
5.3 規(guī)范保險代理行為 13
5.4 降低銀行保險成本及提高代理制度的效率的建議 13
結(jié) 論 15
參考文獻 16
致謝 17
摘 要
隨著金融市場的不斷發(fā)展，銀行和保險的相互融合和滲透已經(jīng)成為全球范圍內(nèi)一個十分顯著的趨勢，而銀行保險的產(chǎn)生必然導致原有相應的利益分配格局產(chǎn)生變化，隨著銀行保險的不斷發(fā)展和深入，由原有保險產(chǎn)品所產(chǎn)生的原生保險收益以及創(chuàng)新所產(chǎn)生的邊際延伸利益都將有較大幅度的增加，因此在商業(yè)銀行、保險公司以及消費者個人之間如何建立合理順暢的利益分配機制，將是銀行保險是否能夠順利健康發(fā)展的根源所在。利益如何分配成為制約銀保合作的一個重要因素，只有在三者之間建立起有效的利益分配機制，才能使利益在三者之間及至周邊經(jīng)濟單位之間得到均衡的分配，從而逐步解決國內(nèi)銀保合作所存在的各種障礙，并因此產(chǎn)生積極推動作用，才能使銀行保險更好的向前發(fā)展。
本文鑒于以上理論，共分五個部分對銀行保險利益分配進行探討。第一部分是對銀行保險的概述，第二部分對國外的利益分配進行探討，第三部分是對我國目前的銀行保險和利益分配進行分析，由二、三部分得出利益分配的必要和重要性，第四部分對簡述利益分配體系在我過建立的困難，最后一部分提出對改善現(xiàn)狀的建議。

關鍵詞： 協(xié)同效應,銀行保險,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