银保合作与发展

On the Cooperation between Bank and Insurance Company and the Mutual Promotion

银保合作是当今国际金融业的主要发展趋势之一,银保合作对推动我国金融业发展具有重大的现实意义。在我国金融业实行分业经营的环境下,针对当前我国银保合作中存在的问题,应推进法制建设,强化银行保险发展的宏观政策导向,加强激励机制,合理利益分配,加大银行保险产品创新的合作力度,加快技术开发,全力打造银保双方高效的网络系统,以促进我国银保合作向纵深发展。

Bank-insurance company cooperation, as one of the main trends in the development of the current international financial industry, is of great realistic significance in promoting the development of our financial industry. In the environment that separated operation is implemented in our financial industry, we should focus our attention on the problems existing in the bank-insurance company cooperation and take a series of steps so that this cooperation will develop in depth. These steps include: improving the legal system, placing an emphasis on the macro-policy direction of the development of our banks and insurance companies, improving the incentive mechanism, rationalizing the benefit allocation, redoubling our efforts toward the cooperation in product innovation, accelerating the technical development, and establishing with all our strength the effective network system in both banks and insurance companies.