目前在我国,银行保险(bancassurance)的发展尚处起步阶段,但是在欧洲,银行保险已经发展了二十多年。本文介绍了银行保险在欧洲的发展历程,并着重从银保的三大利益相关方(即银行、保险公司和消费者)分析了其发展动因。希望此文能对我国银保的发展有所启示。 Currently in our country, the development of bancassurance is still in its infancy, but in Europe, bank insurance has been developing for more than two decades. This paper introduces the development course of bank insurance in Europe and analyzes the motivation of its development from the three major stakeholders (bank, insurance company and consumer). I hope this article can enlightenment to the development of China’s banking and insurance.