银行保险业务融合面临的挑战与应对策略研究
银行保险业务融合作为金融服务领域的一种重要趋势，其定义涵盖了银行业与保险业在业务、产品及服务等多方面的深度融合与协同。这一融合过程呈现出多元化、互补性及创新性等特点，主要模式包括代理销售、战略联盟及合资公司等。银行保险业务融合对金融市场产生了深远影响，显著提升了金融服务效率，通过资源共享与优势互补增强了金融机构的市场竞争力，同时丰富了金融产品与服务的种类，满足了消费者多元化的金融需求。然而，银行保险业务融合也面临着诸多挑战，如监管空白与重叠导致的合规风险、金融科技应用不足限制了融合的深度与广度、资本充足率压力及风险加权资产增长增加了经营难度、外部融资难度加大以及垄断风险增加等。针对这些挑战，提出以下策略建议：首先，应明确监管职责，建立健全跨行业监管协调机制；其次，加大科技投入，利用金融科技推动融合创新；再次，优化资本结构，提高资本使用效率；此外，实施精细化风险管理，多元化融资渠道以降低风险；最后，加强反垄断监管，维护市场公平竞争。通过这些策略的有效实施，可以进一步促进银行保险业务融合的健康发展，为金融市场的稳定与繁荣贡献力量。
关键词：银行保险；融合挑战；应对策略
Abstract
As an important trend in the field of financial services, the definition of banking and insurance business integration covers the deep integration and collaboration of banking and insurance industry in business, products and services. This integration process is characterized by diversity, complementarity and innovation, and the main modes include agency sales, strategic alliances and joint ventures. The integration of banking and insurance business has had a profound impact on the financial market, significantly improved the efficiency of financial services, enhanced the market competitiveness of financial institutions through resource sharing and complementary advantages, and at the same time, enriched the types of financial products and services to meet the diversified financial needs of consumers. However, the integration of bancassurance business also faces many challenges, such as the compliance risk caused by regulatory gaps and overlaps, the lack of application of fintech limits the depth and breadth of integration, the pressure of capital adequacy ratio and the growth of risk-weighted assets increase the difficulty of operation, the difficulty of external financing and the increase of monopoly risk. In response to these challenges, the following strategic suggestions are proposed: first, regulatory responsibilities should be defined and a cross-industry regulatory coordination mechanism should be established; second, increase investment in science and technology and use financial technology to promote integrated innovation; again, optimize capital structure and improve capital use efficiency; moreover, implement fine risk management and diversify financing channels to reduce risks; finally, strengthen anti-monopoly supervision to maintain fair competition in the market. Through the effective implementation of these strategies, we can further promote the healthy development of the banking and insurance business integration, and contribute to the stability and prosperity of the financial market.
Keyword：bancassurance; integration challenges; coping strategies
目录
摘 要 I
Abstract II
第1章 绪论 1
1.1 研究背景及意义 1
1.2 研究目的和内容 1
1.3 国内外研究现状 1
第2章 银行保险业务融合相关概述 3
2.1 银行保险业务融合的定义 3
2.2 银行保险业务融合的特点 3
2.2.1 互补性 3
2.2.2 综合性 4
2.3 银行保险业务融合的主要模式 4
第3章 银行保险业务融合对金融市场的影响 5
3.1 提升金融服务效率 5
3.2 增强金融机构竞争力 5
3.3 丰富金融产品与服务 6
第4章 银行保险业务融合面临的挑战 7
4.1 资本充足率压力 7
4.1.1 风险加权资产增长 7
4.1.2 外部融资难度加大 7
4.2 监管空白与重叠 8
4.3 金融科技应用不足 8
4.4 垄断风险增加 8
第5章 银行保险业务融合的策略建议 10
5.1 优化资本结构 10
5.1.1 精细化风险管理 10
5.1.2 多元化融资渠道 10
5.2 明确监管职责 11
5.3 加大科技投入 11
5.4 加强反垄断监管 11
结 论 13
参考文献 14
