我國信用保險與銀行保理的合作發(fā)展研究
發(fā)布時間：2018-10-30 13:53
【摘要】：隨著全球經濟和金融的迅速發(fā)展,越來越多的貿易活動采用了商業(yè)信用或者銀行信用的交易方式。金融業(yè)有向混業(yè)經營發(fā)展的趨勢,不同金融機構之間希望通過合作來擴大市場份額,提高經濟效益。近年來,商業(yè)銀行和保險公司在銀保產品方面的合作發(fā)展非常迅速,商業(yè)銀行正在尋求更多的貿易金融業(yè)務創(chuàng)新,保險公司也力圖在信用交易中獲得更多的保費收入。筆者認為,保險公司和商業(yè)銀行可以在貿易方面進行更深的合作。信用保險和銀行保理這兩種業(yè)務之間既存在互補性又存在競爭性,如果能充分挖掘其合作可行性與方式,不僅能夠提高商業(yè)銀行和保險公司的盈利能力和競爭力,同時也能促進銀保合作的進一步發(fā)展,推進金融機構向混業(yè)經營模式轉變。目前,研究信用保險與銀行保理之間合作問題的學者非常少,對兩者的合作進行更深的理論分析和現實探討,是一個非常重要的課題。 本文在現有研究的基礎上,論述了我國信用保險和銀行保理的合作發(fā)展問題。本文的主要的結構如下：第一章導論,主要闡述了選題背景和意義,對現有文獻進行整理分析,提出研究方案等；第二章論述了我國國內外貿易發(fā)展現狀、金融混業(yè)經營發(fā)展現狀、社會信用體系建設現狀、信用保險和銀行保理的發(fā)展及合作現狀；第三章分析了制約我國信用保險與銀行保理合作的障礙,如政府支持監(jiān)督力度不夠、信用交易不足、金融市場不完善、業(yè)務經營方面的不足、信用機制不完善、兩者的競爭性、意識缺失等；第四章從多個角度對我國信用保險與銀行保理進一步合作發(fā)展的必要性和可行性進行了分析,一方面,從金融機構混業(yè)經營發(fā)展模式、中國經濟貿易發(fā)展對兩者的需求、商業(yè)銀行的必然選擇、發(fā)展保險業(yè)的需要等角度闡述了必要性,另一方面,從銀行和保險公司合作意識增強,兩者具有互補性,國外信用保險、銀行保理以及銀保合作等經驗借鑒角度闡述了可行性；第五章設想了兩者合作的多種方式和領域,如產品和業(yè)務創(chuàng)新方面、風險管理的合作以及其他合作等；第六章從國家政策、信用體制建設、銀行和保險公司層面多個角度提出了相應的政策建議,以期促進信用保險和銀行保理的合作發(fā)展。
[Abstract]:With the rapid development of global economy and finance, more and more trade activities adopt commercial credit or bank credit. The financial industry has the tendency to develop into mixed operation. Different financial institutions hope to expand market share and improve economic efficiency through cooperation. In recent years, the cooperation between commercial banks and insurance companies in the field of banking and insurance products has developed very rapidly. Commercial banks are seeking more innovation in trade and finance business, and insurance companies are also trying to obtain more premium income in credit transactions. The author believes that insurance companies and commercial banks can carry out deeper cooperation in trade. Credit insurance and bank factoring are both complementary and competitive. If we can fully tap the feasibility and mode of cooperation, we can not only improve the profitability and competitiveness of commercial banks and insurance companies. At the same time, it can promote the further development of bancassurance cooperation and promote the transformation of financial institutions to mixed operation mode. At present, there are few scholars who study the cooperation between credit insurance and bank factoring. Based on the existing research, this paper discusses the cooperative development of credit insurance and bank factoring in China. The main structure of this paper is as follows: the first chapter introduces the background and significance of the topic, analyzes the existing literature, and puts forward the research plan. The second chapter discusses the current situation of domestic and foreign trade development, the development of financial mixed operation, the construction of social credit system, the development and cooperation of credit insurance and bank factoring. The third chapter analyzes the obstacles that restrict the cooperation between credit insurance and bank factoring in China, such as insufficient government support and supervision, insufficient credit transaction, imperfect financial market, insufficient business operation, imperfect credit mechanism, and competition between the two. Lack of consciousness; The fourth chapter analyzes the necessity and feasibility of further cooperation between China's credit insurance and bank factoring from several angles. On the one hand, from the mode of mixed operation development of financial institutions and the demand of China's economic and trade development, The inevitable choice of commercial banks and the need to develop the insurance industry are expounded. On the other hand, from the perspective of the strengthening of the cooperation consciousness between banks and insurance companies, the two are complementary, foreign credit insurance, The feasibility of bank factoring and bancassurance cooperation is expounded. Chapter V envisages a variety of ways and areas of cooperation between the two, such as product and business innovation, risk management cooperation and other cooperation; The sixth chapter puts forward the corresponding policy suggestions from the aspects of national policy, credit system construction, banks and insurance companies, in order to promote the cooperative development of credit insurance and bank factoring.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2;F842.6
本文編號：2300184
[Abstract]:With the rapid development of global economy and finance, more and more trade activities adopt commercial credit or bank credit. The financial industry has the tendency to develop into mixed operation. Different financial institutions hope to expand market share and improve economic efficiency through cooperation. In recent years, the cooperation between commercial banks and insurance companies in the field of banking and insurance products has developed very rapidly. Commercial banks are seeking more innovation in trade and finance business, and insurance companies are also trying to obtain more premium income in credit transactions. The author believes that insurance companies and commercial banks can carry out deeper cooperation in trade. Credit insurance and bank factoring are both complementary and competitive. If we can fully tap the feasibility and mode of cooperation, we can not only improve the profitability and competitiveness of commercial banks and insurance companies. At the same time, it can promote the further development of bancassurance cooperation and promote the transformation of financial institutions to mixed operation mode. At present, there are few scholars who study the cooperation between credit insurance and bank factoring. Based on the existing research, this paper discusses the cooperative development of credit insurance and bank factoring in China. The main structure of this paper is as follows: the first chapter introduces the background and significance of the topic, analyzes the existing literature, and puts forward the research plan. The second chapter discusses the current situation of domestic and foreign trade development, the development of financial mixed operation, the construction of social credit system, the development and cooperation of credit insurance and bank factoring. The third chapter analyzes the obstacles that restrict the cooperation between credit insurance and bank factoring in China, such as insufficient government support and supervision, insufficient credit transaction, imperfect financial market, insufficient business operation, imperfect credit mechanism, and competition between the two. Lack of consciousness; The fourth chapter analyzes the necessity and feasibility of further cooperation between China's credit insurance and bank factoring from several angles. On the one hand, from the mode of mixed operation development of financial institutions and the demand of China's economic and trade development, The inevitable choice of commercial banks and the need to develop the insurance industry are expounded. On the other hand, from the perspective of the strengthening of the cooperation consciousness between banks and insurance companies, the two are complementary, foreign credit insurance, The feasibility of bank factoring and bancassurance cooperation is expounded. Chapter V envisages a variety of ways and areas of cooperation between the two, such as product and business innovation, risk management cooperation and other cooperation; The sixth chapter puts forward the corresponding policy suggestions from the aspects of national policy, credit system construction, banks and insurance companies, in order to promote the cooperative development of credit insurance and bank factoring.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2;F842.6
【參考文獻】
相關期刊論文 前10條
1 李磊;;淺析目前我國金融市場存在的問題與建議[J];出國與就業(yè)(就業(yè)版);2011年12期
2 蔡華;;國內信用保險研究[J];財會月刊;2007年32期
3 孫楓林;法國出口融資保險體系對中國企業(yè)的啟示[J];財經理論與實踐;1999年04期
4 王建國;;推廣保理業(yè)務與出口信用保險 防范出口收匯風險[J];國際商務財會;2008年10期
5 蔡珍貴;國際保理業(yè)務在我國實踐中de障礙與對策探析[J];當代經濟;2005年01期
6 孫鈺;孫敏義;;中小企業(yè)通過保理業(yè)務融資的思考[J];大連民族學院學報;2009年02期
7 唐金成;;發(fā)達經濟體中小企業(yè)信用保證保險制度比較研究[J];東南亞縱橫;2012年01期
8 唐金成;劉昕晰;秦麗麗;王珂;;打破我國出口信用保險壟斷模式的思考[J];區(qū)域金融研究;2010年03期
9 尹建宗;;推廣保理和出口信保業(yè)務的優(yōu)勢及建議[J];對外經貿財會;2006年10期
10 嚴復雷;從四川長虹巨額壞賬看出口信用保險在我國外貿發(fā)展中的積極影響[J];黑龍江對外經貿;2005年04期
相關碩士學位論文 前10條
1 教惟東;出口信用保險制度研究[D];大連海事大學;2000年
2 竇曉琳;國際出口信用保險制度研究[D];大連海事大學;2002年
3 賈伏生;對我國出口信用保險的研究[D];安徽大學;2005年
4 王秀轉;國際保理中應收帳款轉讓的法律問題研究[D];首都經濟貿易大學;2006年
5 狄曉燕;國際保理法律制度研究[D];西南財經大學;2006年
6 魏偉;國際保理及其相關法律問題研究[D];山東大學;2006年
7 顧昤瀏;我國保理業(yè)務的法律機制及風險分析[D];中國政法大學;2007年
8 王毅;金融混業(yè)經營理論與實踐探討[D];廣西大學;2007年
9 戚舒婷;國際貿易中的出口信用保險法律問題研究[D];復旦大學;2008年
10 汪靜;我國國際保理業(yè)務的發(fā)展對策研究[D];首都經濟貿易大學;2008年
，本文編號：2300184
本文鏈接：http://www.sikaile.net/guanlilunwen/huobilw/2300184.html
