金融政策法规对我国银行保险市场的影响分析

当前我国金融行业的外部环境是由现行的政策法规决定的,也正是外部环境决定了银行保险行业的运行框架、发展模式和市场表现。我国的银行保险随着我国金融政策法规的演变而发展。本文回顾了银行保险法律和监管的发展过程,运用理论和实证研究政策法规、国民收入、存款利率、准备金率、证券市场对银行保险行业的影响,分析了政策法规对我国银行保险行业发展的重要性,最后提出了有利于银行保险发展的政策建议。

Financial policies and regulations determine the environment of the financial sector in a coun-try, and this environment determines the operating framework, development model and market performance of fi-nancial industry. China＇ s bancassurance industry developed with the evolution of China＇ s financial policies and regulations. This paper reviews the development of laws and regulations about bancassurance. The author uses theoretical and empirical methods, to research how policies and regulations, national income, interest rates on deposits, the reserve ratio and the stock market affect bancassurance industry, analyze the importance of the de-velopment of policies and regulations on the bancassurance industry in China. In the end ; the author puts folvcard the policy recommendations in favor of the development of bancassurance.