规范银保合作经营的制度性思考

Regulating the Cooperative Operation between Banking and Insurance Institutionally

作为经济全球化、金融一体化以及金融服务融合和创新产物的"银行保险"(Bancassurance),从1995年进入我国,优化了中国资源的配置,提高了整个社会的效率,实现了保险、银行、客户在合作中"三赢"。随着银保合作规模的快速扩大,制约银行保险业发展的制度性矛盾日益突显。结合实际,分析我国银保合作发展中的深层矛盾和制约因素,提出新形势下促进银保合作健康有序发展的关键是加大金融制度创新、改革营销管理体制、完善利益分配机制、调整银保业务结构、协调银保合作监管。

＂Bank Insurance＂ （ Bancassurance）, as an innovative product of economic globalization, financial integration and convergence of financial services, was introduced into China in 1995. For the past 15 years, under the specific circumstances in China, it has optimized the allocation of resources, improved the efficiency of the whole society and achieved the win-win cooper- ation between insurance, banking and customer. However, with the rapid expansion of cooperation between banking and insur- ance, it has become increasingly evident that the institutional contradiction has restricted the development of banking and insur- ance. In combination with practical problems, deep-seated contradictions and constraints in the development of Bancassurance are analyzed and it is concluded that under the present new circumstances, the key to a healthy and orderly development of Bancassurance is to increase innovation of financial system, reform marketing management system, improve the mechanism for the distribution of benefits, adjust the bank and insurance business structure, and to coordine Bancassurance regulation.