我国商业银行进军保险业:动机与策略

Chinese Commercial Banks Advancing Insurance: Motivation and Strategy

文章阐述了我国商业银行进军保险业务的六大动机,即"范围经济效应"、"客户资源共享"、"服务协同效应"、"产品开发效果"、"持续稳定盈利"和"经营风险分散"动机。文章认为,我国商业银行发展保险业务应实施完善交叉业务监管政策、寻找银行进军保险业务的最佳模式、强化防火墙与风险管理机制建设、整合产品开发与销售流程、大力发展代理财险业务等策略。

This paper explores the six motivations for Chinese commercial banks marching toward bancassurance, i.e, scope economy effect, customers resource sharing, synergy services effect, product development effectiveness, sustained and steady earnings, operation risk diversification. The author thinks that the concerned parts should take the following measures to realize the sound development effects ： implementation and improvement ofthe cross-business regulatory policies , exploration on the best model for bank to develop the insurance business, enhancement of firewall and risk management mechanisms, integration of product development and sales process, great efforts to develop the property insurance, etc.