我国银保合作的内在特征和模式选择

On the Features and Proper Pattern of Bancassurance in China

近年来 ,国内涌现“银保合作”热 ,银行保险逐渐成为与个险、团险并列的三大保险营销模式之一。我国由于政策环境等因素影响 ,银保合作呈现出独立性和合作性并存的新型特征。在分析国内银保合作的现状和特征的基础上 ,提出不同的保险公司和银行应根据自身实际情况 ,选择符合现实条件的合作模式和发展战略 ,银保市场构建点、线、面立体式的多方位的合作格局。

There is an upsurge of bancassurance in recent years in China.Different from the tight cooperation of abroad,bancassurance in our country appears the co-existing of independence and cooperation.While making an analysis of the present features and characters of domestic bancassurance,this paper suggests to establish a three-dimensional and multifaceted cooperative pattern and puts forward some corresponding solutions.