| As the global financial mixed management trend more obvious, comprehensive management also gradually to the development of Chinese commercial Banks. Integrated management is different from the mixed management,"mixed management scope is larger, and not limited to, financial industry, include industry, and comprehensive management tends to be a legal entity business categories at the same time." In our country, due to the limitation of the commercial banking law, commercial banking group, usually by outside the territory, set up a wholly-owned subsidiary or joint venture, implement comprehensive commercial bank business as the core of business management, commercial bank comprehensive management has become a mainstream direction of the development of traditional commercial Banks. Over the years, our country financial industry has maintained a separate operation, separate supervision model, banking and insurance cooperation is limited to a bank to use its window edge agent a few insurance products, this through the distribution agreement on the mode of cooperation. Since2002, the banking industry entered a new era of cooperation. From can enter the banking industry, insurance funds to Banks can participate in the equity investments of insurance company, to the current banking industry can taking a stake in each other, in the exploration of mixed management in finance industry in China took a firm step, it will bring new opportunities for the development of banking and insurance.In recent years, with the high-speed development of bank insurance business, the bank insurance business mode of management and risk control become a research hotspot. Banks as an important channel, sales of insurance products, cooperation mode is mainly from the agent agreement to capital cooperation, financial group development mode. Bank as the parent company, the author of this paper, the synthesis management control mode of the bank insurance business risk analysis, research, the article USES the combined method of normative analysis, case studies, respectively from six parts to elaborate:The first chapter is about introduction. Mainly introduces the research on commercial bank comprehensive business model under the risk control of bank insurance business related background, research significance, domestic and foreign research status, research ideas and methods, research, innovation and the deficiency and related content.The second chapter is about concepts and theoretical basis. Bank insurance business is mainly introduced the definition of risk, risk control, all kinds of bank and insurance theory review, etc.The third chapter is about on the development of bank insurance business in China. Mainly introduces the development of bank insurance business in China, the introduction of bank insurance mode and the analysis of the advantages and disadvantages of all kinds of models, to introduce commercial bank comprehensive management mode of the present situation of the bank insurance business.The fourth chapter is about comprehensive management mode of the bank insurance business of commercial bank risk analysis. And analytic hierarchy process (AHP), the commercial bank’s comprehensive risk management mode of the bank insurance business is divided into basic risk and risk of infection, to segment and specific risk analysis, finally through the analytic hierarchy process (AHP)is applied in determining weights of all kinds of risks.Chapter5is about SH bank comprehensive management mode of the bank insurance business risk control case. Comprehensive management mode on SH bank insurance business situation, by analyzing the face of all kinds of risk and the control measures, finally get the certain enlightenment.Chapter six is about policy recommendations. Main front theory and analysis, analysis of risk classification, to our country commercial bank’s comprehensive management mode of the bank insurance business risk control measures are proposed. |
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