亚洲地区银行保险经验借鉴

2000年引入海外银行保险理念以来，我国的银行保险业呈现出良好的发展势头。银保双方在合作产品、合作渠道、合作团队上有所创新，但是根本的合作模式没有发生实质改变。与欧美相比，亚洲的很多国家、地区在经营模式、销售渠道、融合方式、产品策略等方面对我国银保发展具有重要借鉴意义。要想走出银行保险的瓶颈，我国应该建立更为紧密的合作模式和融合方式；通过适合的渠道销售满足客户需求的银保产品；加强技术系统的整合。

Bancassurance has maintained a robust growth momentum since it was introduced into China in 2000. The two parties of bancassurance have made a lot of innovation in product, cooperative channel and sales force, however, the fundamental cooperation model has not been changed. Compared with developed countries, experiences of many Asian countries and regions concerning operational model, distribution channel, integrative method and product strategy are more relevant to the Chinese market. In order to break through the bottleneck, we should establish a closer cooperative relationship and a more effective integration model, sell products that meet customer needs through appropriate channels, and strengthen integration of both parties＇ technical systems.