银行保险──我国银行业面临的机遇、挑战、对策

Banking Insurance──Opportunities Challenges and Strategies of China's Banking Sector

我国银行保险发展潜力巨大，但由于基础薄，起步迟，经验欠缺，银行保险的发展也存在许多困难和问题，我国银行业应把握机遇，提高认识，制订政策，加强管理与培训，拆除银、保、证之间的壁垒，鼓励混合经营，积极推进银行保险的发展。

There are great development potentials for China's banking insurance, but many difficulties and problems as well due to its weak foundation, short history arid lack of experience. To develop bank insurance in China, we should take advantage of opportunities, formulate proper policies, strengthen management and training, remove barriers among banks, insurance companies and security companies, and encourage mixed management.