中国银行保险模式及监管方式选择

The Model of China's Bancassurance and Choice of Supervision Method

银行保险的实现方式按照金融一体化程度从低到高可以分为协议合作模式、合资企业模式、金融集团模式和业务线一体化模式四种。由于"多对多"的协议合作模式在我国居于主导地位,我国银行保险市场出现了恶性竞争愈演愈烈、竞争行为有待规范、服务质量亟待提高和银保监管滞后等问题,严重地制约了中国银行保险的可持续发展。根据西方国家银行保险的发展历程,并结合中国保险业和银行业的实际情况,中国银行保险应当分为独家分销代理模式和金融控股集团模式两步走,我国的金融监管也有必要在动态中完善并最终向统一监管发展。

According to the financial integration from low to high degree,the bancassurance can be divided into cooperation by agreement model,joint venture enterprise model,financial group model and business line integration model.But the ＂more to more＂cooperation by agreement model has led to some problems such as vicious competition,bad competition behavior,bad service quality and lagged-behind supervision which have limit the continuous development of bancassurance in China.According to the bancassurance history in western countries and the development condition of insurance and bank industries in China,the development of bancassurance should be divided into ＂one to one＂ cooperation model and financial group model.At the same time the financial supervision should be developed and get into united supervision at last.