银行保险的制度变迁理论分析以及对我国的启示

A Theoretical Analysis of the System Change of Banking Insurance and Its Significance to China

20世纪80年代以来,无论是一直实施混业经营的欧洲,还是近几年重新走上混业经营之路的美国,银行保险都成为一种潮流和趋势。银行保险业务的产生及发展,既源于微观领域经营环境和竞争环境的变化,也源于宏观领域制度管制的放松和信息技术的迅猛发展,更源于银行保险经济学机理带来的范围经济和协同效益。银行保险作为一种制度创新的产物,更多地体现为从销售渠道创新到业务产品创新,再到组织模式创新的金融一体化的制度变迁过程。本文从制度变迁理论的角度对银行保险的产生动因以及演变发展进行分析,以期对我国银行保险的走向提供借鉴。

Since the 80s of the 20th century, banking insurance has become a trend whether in Europe where mixed operation has been in practice all the time or in USA where mixed operation has been just resumed in recent years, Banking insurance develops and grows due to the changes in micro operational environment and competition on one hand and deregulation of macro controls and rapid development of IT industry on the other, and even more due to the scale economy and synergistic effect brought about by the mechanism of banking insurance economics. As a product of system innovation, banking insurance is largely viewed as a new sales channel and business product and as a transformational process of an innovated organization model towards financial integration. In this paper, the emergence and evolution of banking insurance is analyzed from the perspective of the theory of system change so as to provide some directional guidance to the development of banking insurance in our country.