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近些年来我国银行与保险合作发展迅速,双方都从合作中获得不小的利润。但二者缺乏有机的结合,2004年以来银行代理保险业务增速骤然下降,由于竞争的加剧银行对保险公司提出了更高的要求,这不得不迫使保险公司主动限制银保产品。现阶段我国银行保险已经到了发展的关键时刻,应采取正确的对策,推动其规范健康发展。
In recent years, the cooperation between banks and insurance in our country has developed rapidly, and both parties have obtained not small profits from the cooperation. However, there is a lack of organic combination of the two. Since 2004, the growth rate of bank agency insurance business has dropped sharply. Banks have put higher demands on insurance companies due to the intensified competition. This has forced insurance companies to take the initiative to limit bancassurance products. At present, China’s bank insurance has reached a crucial moment for its development and proper measures should be taken to promote the healthy development of its regulation.