彰显银保合作的“协同效应”——基于金融混业经营视角论银行保险深层次发展  

Synergistic Effect from the Cooperation between Banking and Insurance——On the Deep Development in Bancassurance with the View from Financial Mixed Operation

作　　者：吴娟[1] 钱敏[1] 

机构地区：[1]西南财经大学保险学院,四川成都611130

出　　处：《保险职业学院学报》2009年第2期17-19,共3页Journal of Insurance Professional College

摘　　要：银行保险自入驻中国以来取得了飞速发展。银行渠道的保费收入占寿险公司保费总收入的比重也逐步增大。然而,鉴于我国目前金融业仍处于分业经营阶段,金融市场有待完善,银保合作被迫止步于协议销售,缺少深层次合作的动力。加之"一对多"的销售模式使得银保市场制度不规范,高额代理手续费使得寿险公司银保渠道盈利甚微,致使银保合作步履维艰。本文基于中国未来金融业的大胆设想,从混业经营的角度出发,强调了股权渗透、资本融合在协调银保双方利益中的关键作用,并提出了种种促进双方深层次发展的对策,从而彰显银保合作的"协同效应"。Bank insurance has made rapid development since its settlementin China. The percentage of premium income through bank ehamels in life insurance companies is also gradually inereaing. However, as our country＇ s financial industry is currently still in the stage of separate operation, the financial markets remain to be improved, bank - insurance cooperation protocol was forced to stop at the sale, lack of deep - rooted power of cooperation. In addition, ＂one - to - many＂ model makes the sale of Bank and Insurance market system not standardized, high agent fees makes Baneassurance channel for life insurance companies have little profit, resulting in very difficult Bancassurance. Based on a bold vision China＇ s financial industry in the future, from the mixed operation point of view, this article emphasizes the infiltration of equity capital integration in the coordination of the interests of both the Bank and Insurance Company of the key role and put forward a number of deep -seated serategies to promote the development of countermeasures, which shows Baneassuranee ＂synergies. ＂

关 键 词：银行保险 协议销售 “协同效应” 分业经营 混业经营 

分 类 号：F84[经济管理—保险]