困境与出路——银行保险专业化问题研究

The Dilemma and Way out——A Study on the Specialization Issue of Bancassurance

银行保险作为举足轻重的保险销售渠道,其模式一直是学界研究、业界倚重、监管关注的热点。本文在评述国内外相关研究成果的基础上,提出银保模式选择是市场主体逐利行为、自身风控能力和政府管制三个因素共同作用的结果。针对当前银保发展中的突出问题,笔者借鉴世行的建议及英美、台湾等地的经验,提出银行保险专业化的改革思路,认为这是当前银保经营参与各方共赢的可选模式,并对银保模式专业化变革的具体方式和需要关注的重点问题进行了研究。

As a very important insurance distribution channel, the bancassurance model has been the focus of academic circles, the industry and the regulator. On the basis of relevant domestic and international research results, the paper held that the selection of bancassurance model was the joint effects of market entity＇s profit-seeking motive, self risk control capabilities and government regulation. With regard to the prominent problems in the development of bancassurance business today, the paper suggested to consider the World Bank＇s suggestions and borrow experiences from Taiwan, American or European markets. It proposed the thought of bancassruance specialization and maintained that this would be one of the win-win models for all parities in the bancassurance business. It also explored specific methods of bancassruance specialization reform and major issues to be aware of.