摘要银行保险在目前市场看来就是保险公司与银行、邮政和其他金融机构实施相互渗透和融合的战略，并通过资产的连接、客户资源的整合与销售渠道的共享，提供银行保险产品及服务的一种安排。在金融保险业竞争日趋激烈及加入WTO的形势下，银行保险这一为西方发达国家普遍采用并行之有效的保险营销方式已经成为中国银行与保险公司开辟新市场、提高利润率的重要发展战略。但是自2005年以来，我国银行保险业务的业务量波动幅度较大，表明我国银行保险业务市场还很不成熟，银行和保险公司之间的合作基础并不牢固。影响我国银行保险业务健康发展的原因既有制度、市场、文化等外部因素，又有公司理念、产品种类、销售渠道、服务技术等内部因素。加强监管协作、建立战略联盟、打造薪酬激励制度、加快产品转型创新、实行银保联网是解决银行保险业务健康发展的有效策略。根据保险理论,对影响和制约我国保险业发展的若干因素进行分析,并运用计量经济方法构建影响我国保险业发展因素的计量模型.通过实证研究结果发现,收入的持续稳定增长、产业结构的渐进合理化、人们受教育程度的不断提高是我国保险业快速增长的主要推动因素.本文分为五个部分，对影响我国银行保险发展的因素进行了分析，同时予以了深刻的剖析，从而能够找到我国银行保险发展的相应对策。关键词：银行保险；影响因素；对策建议AbstractAccordingAccordingtotheinsurancetheories,thispaperanalyzessomefactorsaffectingandrestrictingthedevelopmentofChina'sinsuranceindustry,andtheuseofeconometricmethodsmeasurementmodelfactorsinthedevelopmentofChina'sinsuranceindustryinfluenceconstruction.Throughempiricalresults,sustainedandstablegrowthofincome,industrialstructuregradualrationalization,andhigherlevelofeducationismainlytopromotetherapidgrowthofChina'sinsuranceindustryfactors.Infact,thebankingindustryandtheinsuranceindustrycombinedwitheachotherhavealonghistory.Buttherealsignificanceofthebankingandinsurance,istostartfromthenineteeneightieseurope.Becausebuyinsurancemaybringtheoveralllevelofconsumptionandsocialstabilityisimproved,andthebankinsuranceisconvenientandfast,sosomeEuropeancountriesarebankingontheinsuranceindustrytoacertainextentsupport.AndtheEuropeanlegislativesupport,andEuropeancountriestoadoptpreferentialtaxpoliciesonold-ageinsurance,removalofthecommercialbankstojointheinsuranceindustrybarriers,pavingthewayfortheinsuranceindustryandthebankingindustry.AndtheBaselagreement,thebank'sowncapitalmademorestringentregulatoryrequirements,buttotheregulatoryrequirementsfortheinsuranceindustrywillloosealot,whichexplainsthebankwithoutusingexpensivecomparedtohalfofequitycapital,canalluseofsubordinateddebtthistiertwocapitaltomeetregulatorycapitalrequirementsintheinsurancebusiness.Citigroup's5yearsofearningspershare,thegroupinsurancebusinessafterstripping,theoverallincomeoftheinsuranceindustrywasimprovedsignificantly.Intoday'sera,payattentiontotheefficiencyofthecapitaloperation,itisnotdifficulttounderstand,Citibank'sbehaviorissimplytomaximizethepursuitofshareholderreturns.Thispaperisdividedintofiveparts,thefactorsthataffectthedevelopmentofBancassuranceinChinaareanalyzed,atthesametimebeaprofoundanalysis,thecorrespondingcountermeasuresinordertofindthedevelopmentofBancassuranceinchina.Keywords:bancassurance;influencingfactors;protocol目录第一章问题的提出............................................................................11.1选题背景.................................................................................11.2研究意义.................................................................................11.3研究框架......................
