银行保险合作中的风险与监管

The Possible Risk and Supervision of Bancassurance in China

在金融业混业经营越来越明显的趋势下,银行保险合作这种新型的金融交叉业务必然会对银行、保险公司和客户三方面产生许多新的风险。其中保险公司面临着技术水平落后带来的产品开发风险和支付银行手续费引起的成本提高等风险。银行的风险主要是客户没有得到预期利益所引发的信誉和购买机会风险,投保人方面则由于不能直接得到保险产品的详情而带来资金流动性的风险。避免和降低这些风险的主要途径是改善目前我国分业经营模式下的分业监管格局,短期内加强银行和保险监管部门间的合作和信息沟通是非常必要的。

With a trend of mixed management in China, the bancassurance, a new kin cross-business, is to bring about a variety of risks to the bank, the insurance company a holders as well. What the insurance company is faced with is the product development r technological backwardness and the cost raising risk from bank charges. The risks that are mainly those tained expected i poorly informed of the credibility and purchasing opportunity given that the customers have not oh- nterests. The policyholders came up against the capital-flowin of the details of insurance products. In this paper, it is argued g risk in that they are that the avoidance and decrease of the risk can be accomplished by changing separate supervision pattern in the separate management model. It is indispensable for the bank and the insurance supervisions to perfect their cooperation and information communication in a short period.