关于银行保险的几点思考

Some Ponderations over Bankassurance

银行保险在我国尚属于起步阶段,但其发展趋势被金融保险业界看好,并被认为是拓宽寿险产品销售渠道和增加商业银行中间业务的有效途径之一。因此,理解银行保险的含义、了解其现状及发展趋势、探索银行保险发展的原因、存在的问题及对策,对开展银行保险业务,提高金融保险业核心竞争力将有着重要的参考意义。

Bankassurance is still in its beginning stages in China,however,it is believed that its changing trend is good by financial and insurance industry.And it is thonght as one of the effective ways to widen selling channels of life insurance goods and increase the medium business of commercial bank.Hence,to understand the meaning of Bankassurance,comprehend its existing state of affairs and changing trend,and probe into the cause,existing problems and countermeasures of the bankassurance's development,——this will play an important referential role in being engaged in bankassurance business and increasing the inner competitive power of the financial insurance industry.