我国银行代理保险的风险及防范毕业论文

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1、 （20112011 届）届） 毕业论文（设计）毕业论文（设计） 题题 目：目： 我国银行代理保险的风险及防范 姓姓 名：名： 专专 业：业： 金 融 学 班班 级：级： 学学 号：号： 指导教师：指导教师： 导师职称：导师职称： 年年 月月 日日 I 摘 要 银行代理保险是一项收益稳定的中间业务品种，它是银行资本和保险 资本相互渗透、相互融合的产物，也是银行和保险业开辟新市场、提高利 润率的重要手段。但是银行代理保险业务使银行和保险公司在自有风险外 又增加了新的风险，其风险的防范是一项复杂的工作，需要银行、保险公 司和监管部门各机构的共同努力。本文介绍了我国银行代理保险业务的发 展现状，分析

2、了银行代理保险业务中存在的风险及现有风险防范措施的不 足，最后提出了提高银行代理保险风险防范能力的措施。 关键词：银行业务，代理保险，风险防范 我国银行代理保险的风险及防范 II ABSTRACT Bank insurance agency is an intermediary business with stable revenue, which is not only the interpenetrative product of bank capital and insurance capital, but also an important measure to open new ma

3、rkets and improve profit margin. However, besides banks and insurance companies own risks, the bank insurance agency business will add new risks to banks and insurance companies respectively.Risk coverage is a complex task, requiring banks, insurance companies and regulatory agencies to work together. This thesis introduced the present situation of bank insurance agency of our country, analyzed the risks associated with bank insurance agency and the shortages of the present risk coverage measures, finally, the author put forward some efficient measures to improve our abilities to avoid