發(fā)布時間：2018-08-30 07:35

【摘要】：銀行保險已成為我國壽險業(yè)主要渠道之一,2011年監(jiān)管部門頒布新政,規(guī)范銀保經(jīng)營,國內(nèi)銀保業(yè)增速明顯放緩,銀保合作出現(xiàn)以銀行為主導的并購發(fā)展趨勢,銀行系保險公司異軍突起,開始了混業(yè)經(jīng)營的探索。在新型合作機制下,銀保產(chǎn)品結(jié)構(gòu)、營銷模式、經(jīng)營理念均發(fā)生了相應轉(zhuǎn)變,以銀行系保險公司為主導的混業(yè)經(jīng)營模式成為國內(nèi)銀保業(yè)發(fā)展的大勢所趨。銀保合作下的金融集團化趨勢將給監(jiān)管部門帶來更大的挑戰(zhàn)。
[Abstract]:Bancassurance has become one of the main channels of life insurance industry in our country. In 2011, regulators promulgated a new policy to standardize the operation of bancassurance. The growth rate of domestic bancassurance industry has slowed obviously, and the development trend of bank-led mergers and acquisitions has emerged in bancassurance cooperation. The bank department insurance company rises suddenly, began the exploration of mixed business management. Under the new cooperation mechanism, the product structure, marketing mode and management concept of Bancassurance have all changed correspondingly, and the mixed operation mode, which is dominated by the insurance company of the bank department, has become the general trend of the development of the domestic bancassurance industry. The trend of financial collectivization under bancassurance cooperation will bring more challenges to regulators.
【作者單位】： 復旦大學經(jīng)濟學院保險系;
【分類號】：F832.2;F842

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