保险中介代理是金融混业经营的突破口

随着经济全球化的进一步加强，国际金融业的发展并购浪潮蜂起，自1999年美国国会通过《金融服务现代化法案》，混业经营成为世界金融业经营模式的主流，国外商业银行、证券公司因其业务种类丰富、服务齐全而赢得了“金融超市”之美称。在这种国际形势下，国内金融业严格的分业经营模式自然受到冲击，如果说，我国金融业的混业经营尚不具备条件的话，而近几年作为保险营销主力代理渠道的银行业、证券业频繁出现的“银保合作”、“银证合作”的热潮，正是迎合这种潮流的表现。

Along with the acceleration of global economic integration, waves of mergers and acquisitions in the international financial arena are sweeping everywhere. Cross-border operation has become the mainstream model in the financial industry in the world ever since the United States parliament passed ＂ Financial Services Modernization Act of 1999＂. Commercial banks and securities firms in many foreign countries win the new title of ＂financial supermarket＂ because of their highly diversified businesses and one-stop shop services. This foreign development is, with no doubt, having an impact on the strict separate-operation model in China＇s financial industry. If it is still premature to introduce cross-sector operation within the domestic financial services industry, the growing importance of banks and securities firms as distribution channels for insurance companies is a demonstration of the emergence of this trend in China.