我国银保合作初探

The Exploration of the Cooperation Between our Country's Banking and Insurance Industry

在金融全球化浪潮下 ,我国金融市场的分业经营、分业管理在很大程度上造成了市场分割与资源浪费。中国加入WTO后 ,为了适应竞争市场化、业务全球化和服务的多样化 ,保险业与银行业的相互融合已是大势所趋。本文将通过对“入世”后我国金融环境的具体分析 ,具体探讨了银行与保险合作的必然性及向纵深发展的新趋势。

In the tide of globalization of finance, the unity operation and unity management in our country's financial market results in the market segregation and resources waste to a great extent. After China's entering the WTO, to suit the situation of competition marketization, business globalization, the service diversification, the mutual fusion of the insurance industry and banking has become the inevitable trend. By analyzing our country's financial environment after China's entering the WTO, this paper discusses the necessity of the cooperation between the banking and insurance industry and the new trend for the further development.