摘要
本文通过国内外银保合作的实证数据分析,指出了银保合作中存在的共性问题,详细分析了非寿险和寿险产品的特性及其业务经营的特点对银保合作的影响,针对银行丰富的保险资源,作者由此提出了我国银保合作的解决方案。文章建议金融机构高级管理层和监管人员加强对国内金控集团下综合经营之浪潮所带来风险的管控研究,并结合我国银行业和保险业的实际情况,提出了我国银保合作的发展取向。
This paper raises the common difficulties existing in the cooperation between bank and insurance and its solution through an analysis of the substantial evidences and the influences on bancassurance development of life and non-life insurance products and their business operation. It also points out the development trends of bancassurance after a thorough analysis of domestic reality, and reminds senior managements and supervisors to pay more attention to the risks resulted from the mixed businesses of financial groups.
出处
《国际金融研究》
CSSCI
北大核心
2007年第11期73-80,共8页
Studies of International Finance
关键词
银行保险
银保合作一体化
银保合作取向
Bancassurance
Integration of Bank and Insurance
Development Trends of Bancassurance.
