我国银行保险发展特点及其SWOT分析

在再定义银行保险概念的基础上,文章指出我国银行保险的发展呈现出几大特点:第一,起步晚、成长快,但在2004年步伐放慢;第二,银行保险经营模式为松散型协议合作;第三,银行充当兼业代理人角色,并从专属代理人转变为独立代理人;第四,银行保险产品以寿险产品为主,且主要是分红和固定收益产品。运用SWOT分析,文章指出我国银行保险存在的优势与劣势,面临的机遇与威胁,以及相应的四种发展策略。

Based on the redefinition of bank insurance, the paper concludes the characteristics of bank insurance in China. First, bank insurance in China has a short history with rapid progress, but slows down in 2004. Second, the organization model is distribution agreements while banks and insurers are in a loose corporate relationship. Third, banks are part-time agents and its role has changed from captive agent to independent agent. At last, the products of bank insurance in China are mainly life insurance products, especially life insurance with dividend and fixed earn products. With the SWOT analysis, the paper points out the advantages and weaknesses of bank insurance in China, as well as opportunities and threats. Then four kinds of strategies are discussed.