中国的银行保险战略视角及其创新  

A Strategic Perspective of China's Bancassurance and Innovation

作　　者：郭金龙[1] 石晓军[2] 郑海涛[2] 

机构地区：[1]中国社会科学院金融研究所 [2]北京航空航天大学经济管理学院

出　　处：《国际金融研究》2007年第8期62-67,共6页Studies of International Finance

基　　金：国家自然科学基金项目(70502005)

摘　　要：从中国的银行保险的特殊性出发探讨了银行保险对中国商业银行和保险公司的战略意义,认为在目前阶段,银行保险可以看成是中国金融业未来可能的混业经营的前奏和演练。从第一代产品期满给付来临、商业银行自身战略转型要求和消费者结构变化三个方面论述了我国银行保险即将面临重要的战略转型和中国的银行保险在产品的三个层次和渠道合作中出现的若干创新趋势。Based on an analysis of China＇s bancassurance, this paper argued that bancassurance is of strategic significance to Chinese banks and insurance companies, as it is the antecedence and rehearsal of the possible upcoming integrated operations in Chinese financial industry. It forecasts that China＇s bancassurance is facing a strategic transformation because of expiring of the first generation products, strategic transforming of Chinese commercial banks and the structural changes of consumers. It also discusses the emerging innovation trends of China＇s bancassurance with respect of three levels of products and channels cooperation.

关 键 词：银行保险 战略转型 产品创新 渠道合作 

分 类 号：F831[经济管理—金融学]