银行与保险市场的相关性及影响因素分析

An Analysis of the Correlation of Bank & Insuance Markets and the Factors

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。

Deposit rates,lending rates and the monetary supply are the main factors to affect the operational performance of bank.In addition to the impact of monetary supply,consumption level and price level are the main factors to impact the operational performance of insurance industry.As for the factors to impact life insurance company and comprehensive insurance group operating life and property insurance,the difference is obvious.In the process of the development of bancassurance agency business,the impacts of the development of regional insurance industry,economy,society and banking sector on the scale of bancassurance agency are gradually weakened.The impacts of GDP and loss-adjustment expenses are negative,while the impacts of population and premium income are positive.Traditional bancassurance agency business has a larger development space in medium-developed provinces and small and medium-sized cities,while it needs a more flexible product-strategy in big cities.