摘要
银行保险是未来国内金融发展的必然趋势，随着中国保险业的快速发展，银行与保险公司双方将不再满足于表层的合作，由单纯地利用银行渠道销售特定险种，逐渐扩大到资产托管、预约投保、卡业务及客户资源共享等领域的多层次合作，未来保险业与银行业问的关系既相互竞争，也密切合作，而且博弈的主流是合作。为促进我国银行保险的健康快速发展，应继续进行结构调整，提高新单期缴的比重；同时要实现客户、保险公司与银行的三赢；以及要完善相关法律制度。
Bancassurance is the inevitable development trend of the financial industry. Along with the rapid development of China＇s insurance industry, neither banks nor insurers will remain satisfied with superficial cooperation. Simple cooperation model of using bank outlets as a distribution channel to sell certain insurance products will expand to deeper areas such as assets custody, appointment-application, bank card business and customer base sharing etc, The relationship between the insurance industry and the banking industry will be competitive and cooperative, with cooperation as the main stream. We should keep on adjusting the structure to increase the proportion of regular-premium business in order to maintain a healthy development of bancassurance. We should try to realize a triple win for insurers, banks and clients. And more importantly, we should complete relevant legislation.
出处
《保险研究》
CSSCI
北大核心
2006年第6期23-26,共4页
Insurance Studies
关键词
银行保险
合作模式
银保博弈
发展趋势
bancassurance
cooperation model
bank-insurer game
development trend
