加强银保合作 应对入世挑战

Enhance Bank-Insurance Cooperation to Meet the Challenge of WTO

从国际金融市场的发展来看 ,银保融通的趋势日益明显 ,通过银保合作实现的保费收入已是发达国家保险公司重要的业务来源。对我国的保险公司而言 ,银保合作对保险公司节约成本、降低经营风险、拓展业务领域、满足客户需求都有积极的作用 ,尤其是银保融通可以大大增强中资保险公司的国际竞争力 ,是其应对入世挑战必须经过的一个步骤。尽管目前我国银行保险的发展还不尽如人意 ,但具有非常广阔的发展前景。

The trend of cross-financing between banking and insurance systems is becoming increasingly prominent in the world financial market. To secure premium revenue through cooperation between banks and insurance companies is now an important business for insurance companies in the developed countries. As to the insurance companies in China, bank-insurance cooperation plays a positive role in cost reduction, risk aversion, business extension and satisfying client demands. Furthermore, the bank-insurance cooperation could improve the competitive power of our insurance companies in the world market, and should be a necessary step in the course of coping with the challenge of WTO. Imperfect as it is, the future for China's bank-insurance cooperation is inspiring.