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1、湖南大學(xué)碩士學(xué)位論文基于期繳業(yè)務(wù)的銀保營銷渠道研究姓名：周利武申請學(xué)位級別：碩士專業(yè)：金融學(xué)指導(dǎo)教師：陳迪紅20110514碩f‘學(xué)f蕾淪史摘要銀行保險作為全球經(jīng)濟(jì)一體化和金融服務(wù)融合的產(chǎn)物，已成為銀行和保險業(yè)提高利潤率、開辟新市場的重要手段。特別是最近幾年，銀行和保險公司逐步調(diào)整經(jīng)營結(jié)構(gòu)，鼓勵發(fā)展保障、期繳、長期性保險產(chǎn)品并探索推行傳統(tǒng)壽險產(chǎn)品費(fèi)率改革，強(qiáng)化分紅保險和萬能保險的平滑機(jī)制，從制度上加快了保障型、期繳產(chǎn)品的進(jìn)程。本文從戰(zhàn)略分析角度出發(fā)，運(yùn)用環(huán)境分析法和SWOT分析法，總結(jié)分析了在新的經(jīng)營環(huán)境下、新的戰(zhàn)略決策
2、下銀保營銷渠道的發(fā)展現(xiàn)狀、發(fā)展變化及其存在的問題。尤其是在大力發(fā)展期繳業(yè)務(wù)的前提條件下，分析了銀保營銷渠道和期繳業(yè)務(wù)分別存在的困難和問題。通過對比分析境外銀保市場有關(guān)銀保營銷渠道建設(shè)與期繳業(yè)務(wù)之間的區(qū)別和聯(lián)系，并在此基礎(chǔ)上予以總結(jié)和借鑒。運(yùn)用管理學(xué)的基本原理，從銀保營銷渠道戰(zhàn)略選擇所面臨的內(nèi)、外部壞境分析入手，分析了期繳業(yè)務(wù)對于銀保渠道選擇的重要性。通過對銀保營銷渠道的市場調(diào)研分析，創(chuàng)建了基于期繳業(yè)務(wù)的銀保渠道建設(shè)構(gòu)架模型，并在此基礎(chǔ)上提出了銀保營銷渠道系統(tǒng)化運(yùn)作模式，對基于期繳業(yè)務(wù)的銀保營銷渠道作出了現(xiàn)實的選擇。關(guān)鍵詞
3、：銀行保險；期繳業(yè)務(wù)；營銷渠道lI幕十朗繳qp務(wù)的锃{保?￥銷渠道{lJf究AbstractBancassuranceasaworldeconomicintegrationandfusionoffinancialservices，bankingandinsurancehasbecomethenewmarkets，animportantmeanstoimproveprofitability．Especiallyinrecentyears，banksandinsurancecompaniestograduallyadjust
4、themanagementstructure，encouragethedevelopmentofprotectionofpay，long．terminsuranceproductsandtoexploretheimplementationofthereformoftraditionallifeinsuranceproducts，rates，strengthentheparticipatinginsuranceanduniversallifeinsurance，smoothingmechanism，fromthesyste
5、mtospeedupthesecuritytype，theprocessofpremiumproducts．ThisarticlefromastrategicanalysisAngle，useenvironmentanalysisandSWOT，summarizesandanalyzesthenewbusinessenvironment，newstrategicdecisionsBancassurancemarketingchanneldevelopmentpresentsituation，developmentandc
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7、cassuraneemarketingchannelsconstructionandoperationsofthedistinctionbetweenpaidandcontact，andbeconcludedonthisbasisandreference．Theuseofthebasicprinciplesofmanagement，fromtheBancassurancemarketingchannelsstrategicchoicesfacingtheinternalandexternalenvironmentalan
8、alysis，analyzestheregularbusinessoptionsfortheimportanceofbancassurancechannel．Marketingchannelsthroughthebancassurancemarketresearchanalysis，createdabusinessb
