本文以建行黑龙江省分行为案例，结合现代银行风险管理和保险运营风
险管理等理论，对建行黑龙江省分行在代理保险业务过程中的风险管理问题
进行了探讨。首先，通过现场调查，明确了建行黑龙江省分行代理保险业务
风险管理的现状；其次，经过研讨发现，建行黑龙江省分行代理保险业务存
在声誉风险、操作风险、市场风险、政策风险、系统风险等；再次，根据建
行黑龙江省分行代理保险业务风险管理的原则、目的、方法，提出了相应的
风险管理对策；最后提出了建行黑龙江省分行代理保险业务风险管理的实施
与保障措施，即进一步推进和强化建行黑龙江省分行代理保险业务时的协同
监管制度的建立，并且要从建行黑龙江省分行自身发展来加强代理保险业务
风险管理制度的科学化与规范化，建立相关从业人员的专业技术能力培养和
激励机制，注重加强建行黑龙江省分行内部员工的严格规范管理，以此促进
建行黑龙江省分行代理保险业务风险管理的可持续发展
关键词：银行代理保险；风险管理；混业监管；操作风险哈尔滨工业大学工商管理硕士学位论文
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Abstract
Bancassurance is a mixed financial sector development in the middle of a
major business. Our bancassurance is accompanied by the recovery of the
domestic insurance business generated and developed, the development of a
relatively short time, but it is increasingly becoming an important source of
intermediary business profits, which is bound to be a sustainable commercial
banks development of attention. But at the same time it can not be ignored, since
the commercial bank insurance agency business is a relatively new business, in
the specific operation, there are still some outstanding issues of risk management,
lack of both banks operational risk, there are some markets, policies, other
aspects of the system and constraints, to some extent, commercial bancassurance
business development caused some obstacles, the current urgent need to build a
good risk management system to address and improve.
In this paper, the behavior case CCB Heilongjiang provinces, combined with
modern bank risk management and insurance operations risk management theory,
the China Construction Bank branch in Heilongjiang Province risk management
in insurance agency business process were discussed. First, the site survey, clear
the status of the CCB branch in Heilongjiang Province agents insurance business;
secondly, after a study found that Construction Bank Heilongjiang Branch
insurance agent presence of reputation risk, operational risk, market risk, policy
risk, systemic risk and so on; again, according to the principles of the CCB
branch in Heilongjiang Province insurance agency business risk management
objectives, methods, proposed the corresponding risk management measures, and
finally put forward the implementation of safeguard measures China construction
Bank branch in Heilongjiang Province insurance agency business risk
management, namely, to further promote and strengthen CCB Heilongjiang the
establishment of provincial branches of insurance agents when co -regulatory
regime, and China construction Bank branch in Heilongjiang Province from its
own development to strengthen the scientific and standardized insurance agency
business risk management system, the establishment of professional and
technical competence of employees training and incentives, pay attention哈尔滨工业大学工商管理硕士学位论文
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strengthen CCB strictly regulate the internal staff management branch in
Heilongjiang Province, in order to promote sustainable development in
Heilongjiang Province branch of China construction Bank insurance agency
business risk management.
Keywords：bancassurance, risk management, mixed supervision, operational risk哈尔滨工业大学工商管理硕士学位论文
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目 录
摘要.....I
Abstract .II
第 1 章 绪论 ...... 1
1.1 研究背景及问题提出 ....... 1
1.1.1 研究背景 ....... 1
1.1.2 问题提出 ....... 2
1.2 研究意义 .. 2
1.3 国内外研究现状 .. 3
1.3.1 国外研究现状 ........... 3
1.3.2 国内研究现状 ........... 4
1.3.3 研究评述 ....... 7
1.4 本文的主要研究内容和研究方法 7
1.4.1 研究的主要内容........ 7
1.4.2 研究方法及技术路线8
第 2 章 建行黑龙江省分行代理保险业务风险问题及分析 ... 10
2.1 建行黑龙江省分行概况 . 10
2.1.1 建行黑龙江省分行简介 ...... 10
2.1.2 建行黑龙江省分行组织结构 .......... 10
2.2 代理保险业务发展现状分析 ..... 12
2.2.1 代理保险业务现状概述 ...... 12
2.2.2 与保险公司合作模式 .......... 13
2.2.3 保险业务的发展...... 13
2.2.4 代理保险业务风险管理现状 .......... 14
2.3 代理保险业务存在的风险问题 . 15
2.3.1 声誉风险问题 ......... 15
2.3.2 操作风险问题 ......... 16
2.3.3 市场风险问题 ......... 17
2.3.4 政策风险问题 ......... 18
2.3.5 系统风险问题 ......... 19
2.4 代理保险业务存在的风险问题原因分析 .......... 20哈尔滨工业大学工商管理硕士学位论文
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2.4.1 上端监管漏洞 ......... 20
2.4.2 银行保险公司之间权责不清 .......... 21
2.4.3 销售人员风险意识淡薄 ...... 21
2.4.4 对客户宣传教育不到位 ...... 22
2.5 本章小结22
第 3 章 建行黑龙江省分行代理保险业务风险管理对策 ....... 24
3.1 风险管理原则和目的 ..... 24
3.1.1 风险管理的原则...... 24
3.1.2 风险管理的目标...... 25
3.2 风险管理方法的选择 .........
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