刍议我国银行保险的发展模式

Discussion on Development Mode of China's Bank Insurance

在我国银行保险的发展过程中,骗保现象、手续费居高不下等问题屡见不鲜,究其原因主要是由目前分销协议模式的弊端引起的,因此如何让银行保险健康、可持续地发展值得探讨。从长远而言,银保合作对于银行和保险公司未来的发展意义重大,关键在于银保合作模式的深化。根据我国现行状况,应该构建银行保险的战略联盟合作模式。在具体实践中,通过产品创新、开辟多元化的销售渠道、完善客户关系管理系统和构建合理的银行保险利益分配机制,为银保合作模式的深化打下坚实基础。

In the process of development in China＇s bank insurance, Insurance fraud,high levels of insurance fees and other issues are not uncommon. It was mainly caused by the shortcomings of current distribution agreement model. In the long run, the cooperation of bank and insurance company is of great significance to the future development of both. The key lies in the promo- tion of the mode of cooperation of bank and insurance company. According to the current situation in China, we should construct the strategy alliance~ cooperation mode of the banking-insurance. In practice, through product innovation, opening up a wide range of sales channels, improving customer relationship management system, and constructing reasonable bank insurance interests allocation mechanism, the solid foundation for the promotion of the mode of cooperation of bank and insurance company can be laid.