本文選題：銀行業(yè)　切入點(diǎn)：保險(xiǎn)業(yè)　出處：《中南大學(xué)》2014年博士論文　論文類型：學(xué)位論文

【摘要】：摘要：作為金融部門的主要組成部分,銀行業(yè)與保險(xiǎn)業(yè)產(chǎn)業(yè)資源在金融功能方面存在相似性和互補(bǔ)性,從而決定了產(chǎn)業(yè)間存在復(fù)雜的競(jìng)爭(zhēng)與合作關(guān)系。以保險(xiǎn)分銷為主的銀行保險(xiǎn)業(yè)務(wù)是目前我國(guó)銀行業(yè)與保險(xiǎn)業(yè)合作的主要內(nèi)容,但是這種合作并沒有最大程度有效整合兩大產(chǎn)業(yè)資源,最大化實(shí)現(xiàn)銀行業(yè)與保險(xiǎn)業(yè)間金融協(xié)同效應(yīng)。隨著保險(xiǎn)新規(guī)的出臺(tái),以保險(xiǎn)分銷的銀行保險(xiǎn)業(yè)務(wù)急劇萎縮,銀行業(yè)與保險(xiǎn)業(yè)間合作因先前淺顯的合作形式陷入發(fā)展瓶頸。如何實(shí)現(xiàn)銀行業(yè)與保險(xiǎn)業(yè)在產(chǎn)業(yè)資源方面實(shí)現(xiàn)有效的整合,最大程度實(shí)現(xiàn)協(xié)同發(fā)展,依然是一個(gè)值得深入研究的課題。銀行業(yè)與保險(xiǎn)業(yè)間競(jìng)爭(zhēng)和合作是其產(chǎn)業(yè)資源整合的實(shí)現(xiàn)方式,兩種不同性質(zhì)的作用使得產(chǎn)業(yè)間存在非線性作用,從而具有形成復(fù)合系統(tǒng)的作用基礎(chǔ)。本文從系統(tǒng)視角對(duì)我國(guó)銀行業(yè)與保險(xiǎn)業(yè)協(xié)同發(fā)展進(jìn)行研究,進(jìn)而探索尋求提高我國(guó)銀行業(yè)與保險(xiǎn)業(yè)產(chǎn)業(yè)資源整合效率,實(shí)現(xiàn)產(chǎn)業(yè)協(xié)同發(fā)展的途徑。 本文主要圍繞以下幾個(gè)方面內(nèi)容開展研究工作： 運(yùn)用系統(tǒng)論構(gòu)建了我國(guó)銀行業(yè)與保險(xiǎn)業(yè)協(xié)同發(fā)展的理論框架。首先基于銀行業(yè)與保險(xiǎn)業(yè)復(fù)合系統(tǒng)要素經(jīng)濟(jì)功能對(duì)銀行業(yè)子系統(tǒng)與保險(xiǎn)業(yè)子系統(tǒng)間作用進(jìn)行討論；然后依據(jù)自組織理論對(duì)銀行業(yè)與保險(xiǎn)業(yè)復(fù)合系統(tǒng)的自組織特征進(jìn)行全面分析；最后從內(nèi)涵、特征、目標(biāo)、內(nèi)容、運(yùn)行框架、經(jīng)濟(jì)效應(yīng)等方面分析了銀行業(yè)與保險(xiǎn)業(yè)協(xié)同發(fā)展的機(jī)理。 銀行業(yè)與保險(xiǎn)業(yè)間作用關(guān)系是兩者所構(gòu)成的復(fù)合系統(tǒng)協(xié)同演化的內(nèi)在動(dòng)力。為論證兩產(chǎn)業(yè)間作用存在及其現(xiàn)狀,運(yùn)用基于bootstrap改進(jìn)的檢驗(yàn)方法和滑動(dòng)窗口方法分別對(duì)我國(guó)銀行與保險(xiǎn)間短期作用關(guān)系及其動(dòng)態(tài)特征進(jìn)行實(shí)證分析。構(gòu)建了以銀行與保險(xiǎn)作為金融部門的經(jīng)濟(jì)增長(zhǎng)模型,利用該模型對(duì)我國(guó)銀行業(yè)與保險(xiǎn)業(yè)相互間所存在的替代和互補(bǔ)關(guān)系進(jìn)行實(shí)證分析。實(shí)證表明我國(guó)銀行業(yè)與保險(xiǎn)業(yè)間存在短期因果關(guān)系,人身保險(xiǎn)和財(cái)產(chǎn)保險(xiǎn)與銀行間累積作用性質(zhì)存在差異且隨時(shí)間發(fā)生結(jié)構(gòu)性變化,人身保險(xiǎn)和財(cái)產(chǎn)保險(xiǎn)與銀行信貸間替代和互補(bǔ)關(guān)系區(qū)域差異化特征明顯。 作為研究對(duì)象,銀行業(yè)與保險(xiǎn)業(yè)復(fù)合系統(tǒng)本質(zhì)上是由銀行業(yè)子系統(tǒng)與保險(xiǎn)業(yè)子系統(tǒng)耦合而成的復(fù)雜性系統(tǒng)。為研究復(fù)合系統(tǒng)耦合和協(xié)同現(xiàn)狀,基于系統(tǒng)論方法構(gòu)建了各子系統(tǒng)所對(duì)應(yīng)的序參量,然后分別采用耦合協(xié)調(diào)度和協(xié)同度對(duì)銀行業(yè)系統(tǒng)與保險(xiǎn)業(yè)系統(tǒng)良性耦合程度和相互促進(jìn)程度進(jìn)行測(cè)度及分析。分析結(jié)果表明銀行業(yè)與保險(xiǎn)復(fù)合系統(tǒng)內(nèi)子系統(tǒng)間耦合程度較高,但是良性耦合程度較低,且相互促進(jìn)的協(xié)同程度較低。 協(xié)同演化是銀行業(yè)與保險(xiǎn)業(yè)協(xié)同發(fā)展的實(shí)現(xiàn)方式。運(yùn)用系統(tǒng)協(xié)同理論深入分析了銀行業(yè)與保險(xiǎn)業(yè)復(fù)合系統(tǒng)協(xié)同演化機(jī)制,構(gòu)建了考慮系統(tǒng)間滯后影響和重大經(jīng)濟(jì)事件的復(fù)合系統(tǒng)動(dòng)態(tài)協(xié)同演化模型,并對(duì)模型的穩(wěn)定性進(jìn)行分析�；谑‰H面板數(shù)據(jù),利用基于動(dòng)態(tài)鄰居和局部搜索的粒子群算法,對(duì)模型參數(shù)進(jìn)行估計(jì),同時(shí)根據(jù)估計(jì)結(jié)果對(duì)我國(guó)銀行業(yè)與保險(xiǎn)業(yè)系統(tǒng)協(xié)同演化狀況進(jìn)行深入探討。最后,通過構(gòu)建基于記憶性分?jǐn)?shù)階導(dǎo)數(shù)的銀行業(yè)與保險(xiǎn)業(yè)復(fù)合系統(tǒng)模型對(duì)各子系統(tǒng)有序度進(jìn)行預(yù)測(cè)。協(xié)同演化分析結(jié)論表明,我國(guó)銀行業(yè)系統(tǒng)與保險(xiǎn)業(yè)系統(tǒng)有序度水平不斷提升但進(jìn)化緩慢,兩系統(tǒng)間雖然存在競(jìng)爭(zhēng)代替關(guān)系但依然處于協(xié)同進(jìn)化狀態(tài)。子系統(tǒng)有序度預(yù)測(cè)結(jié)果表明,銀行業(yè)子系統(tǒng)和發(fā)展環(huán)境子系統(tǒng)有序度逐年遞增,而保險(xiǎn)業(yè)子系統(tǒng)有序度將會(huì)出現(xiàn)下降。 銀行業(yè)與保險(xiǎn)業(yè)協(xié)同發(fā)展是一個(gè)評(píng)價(jià)、調(diào)整、再評(píng)價(jià)、再調(diào)整周而復(fù)始的過程。從目的和內(nèi)容兩個(gè)方面深入探討銀行業(yè)與保險(xiǎn)業(yè)系統(tǒng)協(xié)同發(fā)展評(píng)價(jià)的內(nèi)涵,構(gòu)建了銀行業(yè)與保險(xiǎn)業(yè)系統(tǒng)協(xié)同發(fā)展評(píng)價(jià)方法,并運(yùn)用所構(gòu)建的評(píng)價(jià)方法對(duì)當(dāng)前我國(guó)銀行業(yè)與保險(xiǎn)業(yè)系統(tǒng)協(xié)同發(fā)展效率現(xiàn)狀進(jìn)行評(píng)價(jià),為我國(guó)銀行業(yè)與保險(xiǎn)業(yè)系統(tǒng)協(xié)同發(fā)展路徑的改進(jìn)和選擇提供了依據(jù)。結(jié)論表明我國(guó)大部分省域銀行業(yè)與保險(xiǎn)業(yè)系統(tǒng)協(xié)同發(fā)展處于非協(xié)同有效且非發(fā)展有效的狀態(tài)。 根據(jù)銀行業(yè)與保險(xiǎn)業(yè)協(xié)同發(fā)展的運(yùn)行機(jī)理及實(shí)證結(jié)果,分別從擴(kuò)大銀行業(yè)與保險(xiǎn)業(yè)復(fù)合系統(tǒng)主體間作用、推動(dòng)銀行業(yè)與保險(xiǎn)業(yè)協(xié)同發(fā)展系統(tǒng)有序化、優(yōu)化銀行業(yè)與保險(xiǎn)業(yè)協(xié)同發(fā)展的組織模式、完善銀行業(yè)與保險(xiǎn)業(yè)協(xié)同發(fā)展外部環(huán)境四個(gè)方面向產(chǎn)業(yè)主體及政府提出加速我國(guó)銀行業(yè)與保險(xiǎn)業(yè)協(xié)同發(fā)展的對(duì)策建議。建議中指出可以通過積極開展信貸與保險(xiǎn)復(fù)合型金融產(chǎn)品創(chuàng)新、建立合理有效的利益分配機(jī)制、健全產(chǎn)業(yè)主體合作信息共享機(jī)制、加強(qiáng)產(chǎn)業(yè)間資本合作四個(gè)方面實(shí)現(xiàn)銀行業(yè)與保險(xiǎn)業(yè)復(fù)合系統(tǒng)主體間作用,通過正確定位產(chǎn)品協(xié)同創(chuàng)新方向、規(guī)范產(chǎn)品市場(chǎng)秩序、提高銀行保險(xiǎn)復(fù)合金融產(chǎn)品消費(fèi)意識(shí)可以推動(dòng)銀行業(yè)與保險(xiǎn)業(yè)協(xié)同發(fā)展系統(tǒng)有序化,通過構(gòu)建基于產(chǎn)品創(chuàng)新的戰(zhàn)略聯(lián)盟合作模式和清晰的產(chǎn)業(yè)協(xié)同發(fā)展組織結(jié)構(gòu)可以優(yōu)化銀行業(yè)與保險(xiǎn)業(yè)產(chǎn)業(yè)發(fā)展的組織模式,通過從稅收、監(jiān)管、法律三個(gè)方面改善銀行業(yè)與保險(xiǎn)業(yè)協(xié)同發(fā)展的系統(tǒng)外部環(huán)境。
[Abstract]:Abstract: as the main part of the financial sector, banking and insurance industry resources are similar and complementary in the financial function, which determines the existence of the relationship between competition and cooperation between industries. With complex insurance distribution based bank insurance business is the main content of China's banking and insurance cooperation, but this is not the greatest degree of effective integration of the two industry resources, realize the insurance and banking financial synergy effect maximization. With the introduction of new regulations on insurance, insurance distribution of bank insurance business rapidly, banking and insurance cooperation due to previous simple forms of cooperation in the development of the bottleneck. How to realize the banking and the insurance industry to achieve the effective integration of resources in the industry, achieve the greatest degree of coordinated development, is still a topic worthy of in-depth study of banking and insurance industries. Between competition and cooperation is the way to realize the integration of industry resources, two kinds of different properties due to the effect of nonlinear interaction between the industry, which has the role of composite foundation system. This article conducts the research from the perspective of the system of China's banking industry and the insurance industry collaborative development, and seek to improve China's banking and insurance industry the industrial efficiency of resource integration, ways to realize the coordinated development of the industry.
This paper focuses on the following aspects of the research work:
The use of systems theory to build a theoretical framework of China's banking industry and the insurance industry collaborative development. Firstly, the banking system and insurance system of elements of complex system of banking and insurance industry based on economic function; then on the basis of self self organizing feature of the banking industry and the insurance industry composite system organization theory comprehensive analysis; finally from the connotation, characteristics, objectives, contents, framework, mechanism of economic effect and other aspects of the banking and insurance industry collaborative development.
Banking and insurance industry interaction relationship is the inherent power co evolution system composed of a composite of the two. In order to demonstrate the two industry interaction and its status quo, using test method and sliding window method based on improved bootstrap respectively to make an empirical analysis on China's banking and insurance between short-term relationship and dynamic characteristics of construction of the bank. With insurance as a model of economic growth in the financial sector, using an empirical analysis of the model of China's banking industry and the insurance industry between the existence of alternative and complementary relationship. Empirical evidence shows that short-term causal relationship exists in China's banking industry and the insurance industry, life insurance and property insurance and bank accumulation properties and the differences structural changes over time, life insurance and property insurance and bank credit between alternative and complementary characteristics of the relationship between regional differences are significant.
As the research object, the nature of insurance and banking system is a complex system composed of composite coupling banking subsystem and subsystem and the insurance industry. For the study of complex system coupling and cooperative situation, based on system theory to construct the order parameters corresponding to each subsystem, then using the coupling coordination degree and coordination the benign coupling degree of the banking system and insurance system and promote each degree of measurement and analysis. Analysis results show that the composite system of banking and insurance sub system coupling degree is high, but the benign coupling degree is low, and the mutual promotion of the low level of coordination.
Co evolution is the banking and insurance industry collaborative development implementation. The in-depth analysis of the mechanism of co evolution of insurance and banking system by applying the theory of composite collaborative system, constructs a composite system considering the dynamic lag between impact and major economic events co evolution model, and the stability of the model were analyzed. Based on the inter provincial panel data. The use of dynamic neighborhood and local search based on particle swarm algorithm, the model parameters were estimated according to the estimated results of China's Insurance and banking system in co evolution are discussed. Finally, through the construction of the memory of the fractional derivative insurance and banking complex system model of each subsystem in order to forecast based on the co evolution. The results indicate that the order of the level of China's banking system and insurance system constantly improve but slow evolution, two-line system Though there is competition substitution relationship, it is still in a co evolution state. The prediction results of subsystem order degree indicate that the order degree of banking subsystem and development environment subsystem increases year by year, while the order degree of insurance subsystem will decrease.
Banking and insurance industry is a joint development evaluation, adjustment, evaluation, and then adjust the cycle of the process. Further discussion on connotation of evaluation of the cooperative insurance and banking system development from the two aspects of the purpose and content, construct the evaluation method of the coordinated development of insurance and banking system, and the bank of China industry and insurance industry evaluation system collaborative development efficiency evaluation method of application, provide the basis for China's banking industry and the insurance industry collaborative system improvement and choice of development path. Results show that most of China's provincial insurance and banking system synergetic development in non effective and non effective collaborative development.
According to the operation mechanism of the coordinated development of the banking industry and the insurance industry and the empirical results, respectively, from the expansion of the main body of the banking and insurance industry composite system interaction, promote the coordinated development of insurance and banking system orderly and the organization mode of the collaborative development of optimization of banking and insurance industry, countermeasures and suggestions to perfect the banking and insurance cooperation four aspects of the external environment of the development of the industry to the main body and the government proposed to accelerate China's banking and insurance industry collaborative development. Suggestions that can actively carry out credit insurance and complex financial product innovation, establish a reasonable profit distribution mechanism effectively, improve the industrial cooperation information sharing mechanism, realize the insurance and banking system composite body the interaction between the four aspects of strengthening capital cooperation between the industry, collaborative innovation direction through the correct positioning of products, standardize the product market order, improve the bank insurance compound The sense of financial products can promote consumer banking and insurance industry collaborative development system orderly, through constructing the organization mode of product innovation cooperation mode of strategic alliance and clear the development of industry organization structure can develop industry optimization based on Banking and insurance, through tax, regulatory system, the external environment three aspects to improve the banking law with the insurance industry collaborative development.

【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.3;F842

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