1、 selecting among the available technological and functional alternatives to maximize its flexibility. Montreuil et al. 9 presented a strategic framework for designing and operating agile manufacturing networks, enabling to collaboratively plan, control and manage day-to-day contingencies in a dynami
2、c environment. Tso et al. 10 introduced the architecture of an agent-based collaborative service support system, which is able to carry out service requests in a manufacturing information network through some specially designed virtual agents. Cheng et al. 11 put forward an integrated framework for
3、web-based design and manufacturing which is developed based on Java solution and CORBA-ORG broking technologies. Offodile and Abdel-Malek 12 introduced a framework for integrating IT and manufacturing strategies using the virtual manufacturing paradigm. Huang et al. 13 presented a holonic framework
4、for virtual enterprises and control mechanisms of virtual enterprises under this framework. OSullivan 14 described an information architecture and associated toolset for understanding and managing the process of business development. Akkermansa and Horstc 15 discussed managerial aspects of informati
5、on technology infrastructure standardisation in networked manufacturing firms and presented a strategic framework to guide managers in making sensible decisions regarding IT infrastructure standardisation, based on a number of pre-existing economic and management theories, such as transaction cost t
6、heory, organisational design and IT maturity growth stages. Jin et al. 16 presented a research on key application technologies and solutions, which includes a network safety strategy which ensures data transfer among the leaguer members; production data management based on Web/DOT (distributed objec
7、t technology) and XML criteria which ensure data exchange in structure-variance characteristic environments; the network platform which provides the conversion service of different types of CAD files. Woerner and Woern 17 introduced a new web service based platform providing developed methods for co
8、-operative plant production within virtual engineering.To full realize the teleservice engineering in todays globalized manufacturing industry and meet the current market situation and customer demand, a number of global manufacturing networks have been established by, among others, the Society of M
9、anufacturing Engineer 18, Lockheed Martin (AIMSNET) 19 and 3M (the 3M Innovation Global Network) 20.Todays industries are facing serious structural problems brought about by their rapid development of overseas activities under a global integrated manufacturing environment. Service and maintenance ar
10、e becoming extremely important practices for companies to maintain their manufacturing productivity and customer satisfaction in foreign regions. Due to the inherent problems of traditional help desk suppo学校代码：10036 同等学力人员硕士学位论文银行保险发展的影响因素分析培养单位：保险学院专业名称：金融学研究方向：应用经济学作 者：指导教师：论文日期：二一三年三月学位论文原创性声明本人郑
11、重声明：所呈交的学位论文，是本人在导师的指导下，独立进行研究工作所取得的成果。除文中已经注明引用的内容外，本论文不含任何其他个人或集体已经发表或撰写过的作品成果。对本文所涉及的研究工作做出重要贡献的个人和集体，均已在文中以明确方式标明。本人完全意识到本声明的法律责任由本人承担。特此声明学位论文作者签名： 年 月 日学位论文版权使用授权书本人完全了解对外经济贸易大学关于收集、保存、使用学位论文的规定，同意如下各项内容：按照学校要求提交学位论文的印刷本和电子版本；学校有权保存学位论文的印刷本和电子版，并采用影印、缩印、扫描、数字化或其它手段保存论文；学校有权提供目录检索以及提供本学位论文全文或部分
12、的阅览服务；学校有权按照有关规定向国家有关部门或者机构送交论文; 学校可以采用影印、缩印或者其它方式合理使用学位论文，或将学位论文的内容编入相关数据库供检索；保密的学位论文在解密后遵守此规定。学位论文作者签名： 年 月 日导师签名： 年 月 日摘 要目前银行保险是银行、保险、金融与邮政等相关机构在工作与资产上相互连接、资源与渠道共享的合作模式。我国加入世界贸易组织后，保险这一行业的竞争越来越激烈。国外的发达国家曾在银行保险领域取得了相当不错的成绩，致使这一营销方法开始盛行。目前它已成为提高利润率的重要发展战略。但是自2005年以来，我国的银行保险行业发展较落后，行业业务量上下起伏不定，因此，保
13、险与银行合作的模式不成熟，两类机构合作关系也不紧密。影响我国银行与保险合作模式的发展有多种原因，有我国国情和经济市场的原因，也有机构内部产品、渠道和公司文化的原因。如果想使银行与保险公司能有比较稳定、持续的健康合作关系，必须要深入我国经济体制的改革，银行与保险公司要建立共同的长远规划与目标，共同监管与合作，探索产品、渠道和内部管理的优良策略。推动我国保险业快速增长的主要因素有：民众的收入是否是持续的增长、银行与保险的产业结构是否正确，是否符合我国的国情、民众接受教育的情况等。通过保险理论，对限制我国保险发展的原因进行分析，并使用理论计量方法制作成限制我国保险发展原因的表图，最后通过研究而得出结
14、果。本文为五个部分，对影响我国银行保险发展的因素进行了分析，同时予以深刻剖析，从而找到我国银行保险发展的相应对策。关键词：银行保险；影响因素；对策建议AbstractStrategy of bank insurance mutual penetration in the current market view that the insurance company and the bank, postal and other financial institutions to implement and fusion, and through the connection of the asse
15、ts, integration and sales channels and customer resources sharing, an arrangement to provide banking and insurance products and services.Competition in the finance and insurance industry is becoming increasingly fierce and the accession to the WTO situation, the bank insurance such as western develo
16、ped countries generally adopt effective insurance marketing has become Chinas banks and insurance companies to open up new markets, improve the important development strategy of profit rate. But since 2005, the insurance business of our country bank rate traffic fluctuations, shows that the insuranc
17、e market of our country bank is not very mature, the basis for cooperation between banks and insurance companies is not strong. Factors affecting the healthy development of the insurance business of Chinas banks is system, market, culture and other external factors, and the company philosophy, products, sales channels, technical service and other
