综合经营趋势下银行保险的发展创新

现代商业保险从一千多年前的海上“冒险借贷”金融行为中蜕变出来，逐渐演化成了有别于银行的概念、理论体系和实务操作规范，但金融业间融合互动的创新活动又使银行与保险联系起来，并动摇和改变着人们对银行和保险的传统看法。这使金融分业经营制度约束受到挑战，金融混业的监管受到考验。银行保险未来的发展创新将是围绕着个人金融业务展开的银行保险合作。

Modern commercial insurance can be traced back to the financial activity of marine ＂risk loan＂ of more than 1000 years ago. This gradually evolved into a set of concepts, theories and practices distinct from the banking industry. However, growing interaction due to financial innovation has not only put the banking industry and the insurance industry into connection again, but is even shaking and changing traditional concepts on them. This situation is challenging the separate operation restriction between financial services industry and the cross-sector financial supervision regime. The innovation of bancassurance should be centered round the development of individual financial services.