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对外经济贸易大学硕士学位论文我国保险业混业经营模式研究——基于美国金融控股公司的思考姓名：董璐申请学位级别：硕士专业：金融学（保险）指导教师：陶存文20080401WTO,ABSTRACTSince1970s,themodernfinancialsystemhasgreatchanges:endlessfinancialinnovation,regulationsrelease,andfinancialliberalizationallovertheworld,emergenceoffinancialintegrationandfinancialgroupsleadingtheway.Banking,insuranceandsecuritiesbusinessstarttocollaborate,andinthemainstreamoffinancialintegration,financialholdingcompany(FHC)isthemostimportantpart.Meanwhile,afterentryintoWTOfinancialmarketisopenedtotheoutside,domesticinsurancewillmeethugechallenges.So,studiesontheinsurancefinancialintegrationarequiteimportantforthedevelopmentofdomesticinsurance.Thispapercanbedividedintofiveparts:Part1introduction,mainlysummarizestheconceptionandtheoriesaboutFHC,andanalyzestheinsideandoutsidestudysituationofFHC.Intheend,outlinestheresearchstructure,methodsandsignificancePart2looksbackthedevelopmentofdomesticinsurancesincereformandopenness,simplyintegratedoperation—dividingoperation—integratedoperation,pointingoutsituationandproblemsofintegratedoperationindomesticinsurance.Part3analyzesthestructure,features,advantagesandrisksofAmericanFHC,aswellasitssupervisionmodel.Intheend,makesaconclusionaboutitsreference.Part4analyzesthefeasibilityofadoptingFHCindomesticinsurance,puttingforwardthatFHCisanidealmodelforthedomesticinsurancetransitionfromdividingoperationtointegratedoperation.Butalsofiguresoutexistingobstacles.Intheend,combinedwithpreviouscomparisonandpresentsituationindomesticinsurance,comesupwithsomeconstructivesuggestion.Atpresent,studiesaboutfinancialintegrationandFHCarequitealot,butmostofthemfocusonthebanking,lackofstudiesforinsurance.Sotheinnovationofpaperisdiscussingwhichmodelissuitablewithourinsurancerealizingintegratedbusinessunderthebackgroundoffinancialintegration,andcomingupwithsomeconstructivesuggestion.Keywords:Insurancefinancialintegration,financialholdingcompany,firewall,supervision111999111929193319332070198619981999112WTO1999212131311956125%25%233.VandenBerghe,1995.E.200512132HowedE.Jackson1998SantameroEcldes19991.E.=3086.2005-04-30.2(2000)JacobBikker2002ArthurE.WilmarthJr(2002)19152000123Obi200320012003200452212112080902080901993-19941992199320001993199413.2%21.7%332003111716212209019937519955200582419956521320199519962002200661522420063395200210287221120002001-20066252.1454687657959051175.51423.962274.843010.993223.253697.44132.010500100015002000250030003500400045002001200220032004200520062.12001200622001-20043-5200422282231200010132007195346.992004ASSICURAZIONIGENERALICNPCCNP21240322491,,,2.12.120066898885.916.99%1686247.1210.67%20810864.13651.24%88837.0470.22%7129936.7645.12%3783760.69.32%1812268.6811.47%81120691.892.76%205171.21.30%1505655.859.53%175096.791.11%32703039.5680.53%12514376.479.20%219122.26720068102.22002-2003231ATM211384200485WTO12331“”3.13.11332321123“”4n14322123433151FRB3.220011045473.22FRB3FRB4FRB1634341——.SandyWeill2004173.33.334211934193819391940196419681970197519771984198619881990199019901821999344141120350019412:4.14.1199920051999819199910265'%20002200010200010200172020039()200312432004102520051027:;;;;;;413200394.121414424212322199994224231012920074273210200532334551511:200211824315;1221:;:51219331956198819991141999513251105,2,,,,;;,,812:3,26,,455141,275%1%--3%3%3%3%11252521.5.11120041323-324285.1522::130%10%2YFRB:123()12FSA:12267295231201023104561312132001460499303:(1)(2)(3)(4)5241121419995.214341378315.2525:()WorldBank,1999,CorporateGovernance:AFrameworkforImplementationOverview,p.532:;:;19992()5:()3()1()315526WTO1520031245473312334[1]2002101156[2]2003945198[3]2001[4]20021283[5]200493337[6]2006391102[7]200171619[8]200143841[9]200487682[10]200410[11]2003105358[12]20042[13]2001[14]2002[15]2004167221[16]200262137[17]2004206312[18]35200182190[19]2001107681[20]200144951[21]Diamond.D.W.andPh.H.Dybvig,“BanksRuns,DepositInsurance,andLiquidity”,JournalofPoliticalEconomy91,PP15-23.[22]HowellEJackson,“TheSupervisionofFinancialHoldingCompanies”,[23]Hughes,JosephP.andLorettaJ.Mester,BankCapitalizationandCost:EvidenceofScaleEconomiesinRiskManagementandSignaling,ReviewofEconomicsandStatistics80(2),1998.[24]JosedeLunaMartinez,“InternationalSurveyofIntegratedFinancialSectorSupervision”,WorldBankPolicyResearchWorkingPaper3096,July2003.[25]RudiVanderVennet,“CostandprofitefficiencyoffinancialconglomeratesanduniversalbanksinEurope”,JournalofMoney,CreditandBanking,2002Vol.34.36371983822200672006200520022005200320052005/102006/01200692007112006/012007/032007/072007/10Technopak200712我国保险业混业经营模式研究——基于美国金融控股公司的思考作者：董璐学位授予单位：对外经济贸易大学本文读者也读过(10条)1.谭杰伦论我国区际内幕交易人法律责任的实现机制[学位论文]20082.李元卿不要把工作经验作为招聘的门槛[期刊论文]-现代营销2009(9)3.赵海乐论国有公司治理中的国资委法律定位[学位论文]20084.金季风险中的金融控股公司[期刊论文]-新理财2008(1)5.郭庆论合伙企业破产中债权人利益的保护[学位论文]20086.龚艳保险是一种投资的方式[期刊论文]-沪港经济2010(5)7.殷丽萍中美大都会人寿引领保险营销新趋势--中美大都会人寿保险有限公司董事总经理齐莱平专访[期刊论文]-卓越理财2005(1)8.郝妍持续性信息披露法律问题研究[学位论文]20089.马雯混业经营、股权结构与商业银行经营风险关系研究[学位论文]200910