银行保险发展的影响因素分析摘要根据保险理论,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。事实上，银行业与保险业相互结合已经有悠久的历史了。但真正意义的银行保险，是从20世纪80年代的欧洲开始的。因为买保险可以带来整体消费水平和社会稳定的提高,并且银行保险方便快捷，所以欧洲一些国家都对银行保险业一定程度上的支持。并且欧洲立法的支持，和欧洲国家对养老保险采取优惠的税收政策,清除了商业银行加入保险业的障碍,为保险业和银行业的联合铺平了道路。还有巴塞尔协议出台以后,对银行的自有资本提出了更严格的监管要求,却对保险业的监管要求就宽松了很多,这说明了银行无须用比较昂贵的一半权益资本，可以全部用次级债这种二级资本来满足对保险业务的监管资本要求。花旗集团5年的每股收益率情况,集团剥离保险业务后,保险业的整体收益率有显著提高。在当今年代，讲究的是资本运作效率,这便不难理解，花旗银行的行为无非是为了迫求股东回报率的最大化。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；协议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.................................................
