| 跟着世界金融一体化、自在化和金融竞争的加重，金融业内三年夜支柱一银行、证券和保险互相协作，互相渗入渗出的趋向日渐显著。个中，银行与寿险业混业运营的成长敏捷最为惹人注视。依照出世许诺，自2005年起我国当局要加速开放国际金融市场(包含银行、保险和证券市场)，慢慢撤消历久以来对国际金融机构采用的掩护政策。这对于一向潜藏在当局“掩护伞”下生计的国际各金融机构来讲，无疑是伟大的挑衅。那末我国各金融机构欲更好地介入到国际、国际金融市场剧烈的竞争中，必需合时改变不雅念，法语论文题目，起首融入并顺应国际市场上金融一体化的整体趋向。除此以外，成长银行保险业也是处理我国贸易银行今朝所处的窘境和寿险营销体系体例中存在的成绩，迎接实力雄厚的外资金融机构的挑衅，加强我国银行、寿险企业国际乃至国际竞争力的最好选择。笔者浏览和自创了年夜量中外学者在银行保险业偏向的研究结果，并经由过程访问很多国际已展开协作的银行和寿险企业后，发明我国在成长银行保险业的进程中确切存在着许多的成绩，成为障碍其更好成长的主要身分。因而经由年夜量论证和剖析后，选择此标题作为研究对象。本文从引见本课题研究的配景和意义动手，起首在此基本上重点研究了银行保险的实际，法语论文题目，如对国际外学者对于银行保险的概念停止了剖析和总结，提出了银行保险切实其实切寄义；经由过程研究国际规模内金融业(银行、保险、证券)混业运营的形式，总结出银行保险业的运营形式并评价其优、缺陷。然后选择了活着界上银行保险业蓬勃的法国为自创对象，经由过程比较我国银行保险业与法国银行保险业在成长进程、金融政策、银行所处的竞争情况、寿险产物营销体系体例、运营形式、寿险产物及特点、运营理念、促销措施等方面的情形，剖析出招致我国银行保险业处于弱势成长的重要成绩。最初基于我国现有的国情，并自创法国银行保险成长的胜利经历提出我国银行保险业进一步成长的几点建议。重点提出针对我国现有的金融业分业运营的政策，我国银行保险业只要分阶段、分步调地丰硕其运营形式；同时我们还要经由过程迷信地熟悉和理论产物立异的办法和迷信地寻觅和发明产物立异机会来停止产物立异以推进银行保险业向更深条理成长。 Abstract: With the world financial integration, ease and financial competition, the three pillars of the financial industry, a bank, securities and insurance mutual cooperation, mutual infiltration of the trend is becoming increasingly significant. Among them, the development of the banking and life insurance industry mixed operation is the most attractive. According to the promise was born, since 2005, Chinese authorities to accelerated open international financial markets (including banking, insurance and securities markets), slowly reversed long-standing to international financial institutions the protective policy. This has always been hidden in the authorities under the umbrella of the livelihood of the international financial institutions, is undoubtedly a great provocation. That at the end of the financial institutions in our country want to better involved in the fierce competition in the international, the international financial market, must seasonable change concept chapeau into and conform to the international market on the financial integration of the overall trend. In addition, the growth of bank and insurance is also existed in the Commercial Bank of our country current dilemma and system of life insurance marketing style achievements, meet provocation of the strength of the foreign financial institutions, strengthen the best choice for China's banks, life insurance companies international and international competitiveness. I browse and inventing the bias in the banking and insurance industry of a large number of Chinese and foreign scholars research results, and through access to many international has launched cooperation of bank and insurance company, invented in China in the process of growth of the banking and insurance industry there are indeed many achievements and become obstacles to their growth the main identity. So after the eve of the amount of argument and analysis, choose this title as the research object. In this paper, introduces the research background and meaning to start, first and foremost in this basically focus on the research of the practice of bank insurance, such as on domestic and foreign scholars on the bank insurance concept of stop the analysis and the summary, proposed the bank insurance actually cutting send righteousness; through process research on an international scale in the financial sector (banking, insurance and securities) mixed operation, summed up the banking and insurance operations and to evaluate its advantages and disadvantages. Then select the world bank insurance industry is flourishing in France as internally generated object. Through comparison of bank insurance in China with the French bank insurance industry in the process of growth and financial policy, bank competition, life insurance product marketing systems, operational forms, life insurance products and features, operating philosophy, promotion methods and other aspects of living and analysis of moves by our bancassurance in weak growth of important achievements. At the beginning, based on the existing national conditions in China and the successful experience of the development of French bank insurance, some suggestions are put forward for the further development of China's banking insurance industry. Put forward in view of the current financial industry of our country separated operation policy, bank insurance in China as long as stages, staged adjustment to enrich its operation form; at the same time, we will through the superstition of the familiar and the theory of product innovation measures and superstition seeking and invention product innovation opportunity to stop the product innovation to promote the bank insurance industry to develop to deeper. 目录: |
