金融共生理论对银行与保险关系的研究

Study of Relationships Between Bank and Insurance Based on the Finance Co-growth Theory

我国现阶段的银行与保险之间是一种共生关系,金融混业经营是必然趋势,银行保险、保险银行或金融控股公司是银保共生发展的优化方向。不合理的制度安排制约了银保关系的深化发展。加快金融体制改革步伐,健全完善法律法规才是解决问题的关键所在。

The relation of bank and insurance is a kind of co-growth at the present stage in our country. Mixed operation of the finance is an inevitable trend. Bank insurance, insurance bank and financial holding company are the optimization direction of the co-growth of bank and insurance. To some extent, the cooperation of the bank and insurance is restrained by the arrangement of unreasonable institution. It is the key point of solving the problem that accelerating the paces of reform in financial institution and perfecting the laws and regulations.