我国商业银行对待银行保险的误区和反思

Chinese Commercial Bank’s Mistaken Ideas and Introspection about Bacassurance

银行保险在我国呈现快速发展的同时,也面临严重的问题。本文分析了中国银行业对待银行保险的误区和产生的原因,根据社会环境的变化和Porter的竞争理论分析了我国银行业应将银行保险提到战略的高度来加以经营的理由,并提出了促进我国银行保险发展的几点建议。

The development of bancassurance is rapidly in China, but also has some problems. The paper describes the Chinese bank industry’s mistake views on bancassurance and analyses the reasons. According to the change of social circumstances and Porter’s theory of competition, it also tells why Chinese bank industry should place bancassurance in a strategic position and gives some advices to improve the development of bancassurance in China.