银行保险:欧洲经验及我国实践  

Bancassurance:European Experience and Practice in China

作　　者：闫海[1] 

机构地区：[1]辽宁大学法学院,辽宁沈阳110136

出　　处：《南方金融》2010年第3期44-48,共5页South China Finance

基　　金：辽宁省高校创新团队项目"金融市场秩序法律保障研究"(项目编号:2007T060);辽宁省哲学社会科学规划基金项目"全球金融危机下中国金融法治的变革与完善"(项目编号:L08DFX030)资助

摘　　要：银行保险是金融混业的重要内容之一,也是全球范围内具有代表性的金融创新。金融需求的转变、市场竞争的压力、技术进步革新以及监管和法律的放松等因素推动银行保险在以欧洲为代表的西方国家和地区迅速产生和发展,并蔚为世界金融的潮流趋势。我国银行保险在金融分业体制下历经探索、发展和转型,现进入崛起的重要阶段,应采取规范销售型银行保险、推动组织型银行保险、加强经营型银行保险及创新产品型银行保险等措施,推动我国银行保险的发展。As one of the most important contents of mixed financial operation system,Bancassurance is also the representative of financial innovation globally. Driven by change of financial needs,pressure of market competition,technological progress,and legal deregulatory factors,Bancassurance is in rapid development in Europe countries and becomes the trend of the world financial market. Chinese Bancassurance went through the stages of exploration,development and transformation under divided financial operation system,and is now entering an important rising stage. For developing Chinese Bancassurance,the following measures should be taken：standardizing sales-type Bancassurance,promoting organization-type Bancassurance,strengthening business-type Bancassurance and innovating Bancassurance products.

关 键 词：银行保险 金融混业 金融创新 

分 类 号：F832.2[经济管理—金融学]