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摘要银行保险，诞生于20世纪80年代，在银行和保险公司的发展中为了适应当下经济全球化的市场需求，提供出了一种金融多元化的服务业务和营销一体化的服务业务，为客户提供具有保险和银行双重特性的金融产品。2000年平安人寿保险在国内正式推出首个银保产品，我国银行保险业务在十几年间有了巨大的发展，但是所面对的风险也日益复杂，其已经暴露的风险与尚未暴露的潜在风险早已被各界人士所关注。银保新规定在2010年11月出台以后，业务急剧下滑的现象在我国大寿险公司普遍出现，对于保费的收入也产生了连带影响。在这样的背景下，针对银行保险的研究显得尤为重要,本文根据国内外研究背景与现状深入系统的分析了银行保险的基本特性。为了我国银行保险业务的良好发展，我们通过学习国外的经验来分析我国银行保险业的现状，提出了其存在的风险问题，针对银行保险业的发展和风险问题给出相应的对策。这对于我国银行保险业务的发展和不断完善有着重大意义。45567
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毕业论文关键词：银行保险业务； 发展现状； 风险管理； 应对策略
Abstract
Bank insurance, was born in the 1980 s, Banks and insurance companies in order to adapt to the market demand of economic globalization and to provide a kind of marketing integration, persification of financial services, provide for the customer has a dual characteristic of insurance and banking financial products. Ping an life insurance in 2000 officially launched the first silver care products, domestic after ten years of development, our country the bank insurance business has achieved great development, at the same time facing the risk of increasingly complex, it has the potential risk of exposure to risk and has not yet been exposed has long been the concern of the people from all walks of life. Especially in November 2010 after the new regulations to Banks and insurance companies, major life insurance companies in China's bank insurance business has fallen sharply, which makes the life insurance company life insurance premium income is also affected by the joint and several. In this context, research is particularly important to the banking insurance, according to the research background and current situation at home and abroad deeply system analyzes the basic characteristics of bank insurance. To the sound development of bank insurance business in China, the investigations and summarizes the bank insurance development present situation in our country, analyses the risk problems affecting its development. Study and draw lessons from the domestic and foreign relevant management experience, in view of the development of bank insurance and risk management issues corresponding countermeasures are given in this paper. For the development of bank insurance business in China and constantly improve has important significance.
Key words： The bank insurance business；Current situation of the development；Risk management；Coping strategies
目 录
摘 要Ⅰ
AbstractⅡ
一、引言1
（一）选题背景和意义1（二）国内外研究现状1
二、银行保险业务发展现状和特点2
（一）呈发展呈S型增长特点，增长速度逐渐放缓2
（二）我国银行保险业务现状分析3
三、银行保险业务发展的风险问题4
（一）产品风险4
（二）承保操作风险4
（三）法律监管风险5
四、银行保险业务的风险管理对策6
（一）对于产品风险，应进行产品创新6
（二）对于承保操作风险，应加强业务人员培训7
（三）对于法律监管风险，应有相应的监管政策风险管理策略8
五、总结8
参考文献10
致 谢11
中国的银行保险业务发展及其风险管理