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ID:33955991
大小:11.37 MB
页数:63页
时间:2019-03-02
《基于期缴业务的银保营销渠道研究》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
1、湖南大学硕士学位论文基于期缴业务的银保营销渠道研究姓名:周利武申请学位级别:硕士专业:金融学指导教师:陈迪红20110514硕f‘学f蕾沦史摘要银行保险作为全球经济一体化和金融服务融合的产物,已成为银行和保险业提高利润率、开辟新市场的重要手段。特别是最近几年,银行和保险公司逐步调整经营结构,鼓励发展保障、期缴、长期性保险产品并探索推行传统寿险产品费率改革,强化分红保险和万能保险的平滑机制,从制度上加快了保障型、期缴产品的进程。本文从战略分析角度出发,运用环境分析法和SWOT分析法,总结分析了在新的经营环境下、新的战略决策
2、下银保营销渠道的发展现状、发展变化及其存在的问题。尤其是在大力发展期缴业务的前提条件下,分析了银保营销渠道和期缴业务分别存在的困难和问题。通过对比分析境外银保市场有关银保营销渠道建设与期缴业务之间的区别和联系,并在此基础上予以总结和借鉴。运用管理学的基本原理,从银保营销渠道战略选择所面临的内、外部坏境分析入手,分析了期缴业务对于银保渠道选择的重要性。通过对银保营销渠道的市场调研分析,创建了基于期缴业务的银保渠道建设构架模型,并在此基础上提出了银保营销渠道系统化运作模式,对基于期缴业务的银保营销渠道作出了现实的选择。关键词
3、:银行保险;期缴业务;营销渠道lI幕十朗缴qp务的锃{保?¥销渠道{lJf究AbstractBancassuranceasaworldeconomicintegrationandfusionoffinancialservices,bankingandinsurancehasbecomethenewmarkets,animportantmeanstoimproveprofitability.Especiallyinrecentyears,banksandinsurancecompaniestograduallyadjust
4、themanagementstructure,encouragethedevelopmentofprotectionofpay,long.terminsuranceproductsandtoexploretheimplementationofthereformoftraditionallifeinsuranceproducts,rates,strengthentheparticipatinginsuranceanduniversallifeinsurance,smoothingmechanism,fromthesyste
5、mtospeedupthesecuritytype,theprocessofpremiumproducts.ThisarticlefromastrategicanalysisAngle,useenvironmentanalysisandSWOT,summarizesandanalyzesthenewbusinessenvironment,newstrategicdecisionsBancassurancemarketingchanneldevelopmentpresentsituation,developmentandc
6、hangestheexistingproblems.Especiallyinvigorouslydevelopingthepremiseconditionregularbusiness,analyzestheBancassurancemarketingchannelsandperiodregularbusinessthedifficultiesandproblemsrespectively.BycomparingtheanalysisoftheBancassurancemarketforforeignbanksonBan
7、cassuraneemarketingchannelsconstructionandoperationsofthedistinctionbetweenpaidandcontact,andbeconcludedonthisbasisandreference.Theuseofthebasicprinciplesofmanagement,fromtheBancassurancemarketingchannelsstrategicchoicesfacingtheinternalandexternalenvironmentalan
8、alysis,analyzestheregularbusinessoptionsfortheimportanceofbancassurancechannel.Marketingchannelsthroughthebancassurancemarketresearchanalysis,createdabusinessb
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