论文部分内容阅读
存贷款利率和货币供给量是影响银行经营绩效的主要因素;而除同受货币供给量的影响外,影响保险业经营绩效的主要因素则是居民消费水平和物价水平,具体到寿险公司和同时经营人寿与财产保险的综合性保险集团,其影响因素差别也较明显。在银保代理业务发展中,一个地区保险业发展程度、经济和社会发展程度以及银行业发展对银保代理规模的影响程度逐渐减弱,其中GDP和理赔支出对其的影响为负,而人口数量和保费收入对银保代理业务有正面影响。传统的银保代理业务在中等发达省份和中小城市具有较大发展空间,而在大城市则需更灵活的产品策略。
The main factors that affect the operating performance of the insurance industry are the household consumption level and the price level, except for the impact of the money supply, which is closely related to the life insurance company and at the same time Comprehensive insurance companies operating life insurance and property insurance, the difference is also more obvious impact factors. In the development of Bancassurance agency business, the degree of development in the insurance industry, the degree of economic and social development, and the impact of banking development on the bancassurance agency scale gradually weakened in one area. The impact of GDP and claims disbursement on it is negative, while the population And premium income has a positive impact on the bank insurance agency business. The traditional Bancassurance agency business in the medium-developed provinces and small cities have more room for development, while in larger cities need more flexible product strategy.