银保合作的现状及政策建议

银保合作经过10多年的发展,银行网点代理销售保险产品业务渐已成为保险公司重要的业务增长点和销售渠道,很多保险公司的保费收入中,50%以上来自银保销售渠道,有的保险公司甚至达到70%以上。同样,在商业银行中,代理销售个人保险业务,已成为个人金融的一项重要业务,更是成为带来中间业务收入的主要代理业务。本文就当前银保合作的现状和问题进行了分析,并提出相应的政策建议。

The Status of the Cooperation between Banking and Insurance and Recommendations

After the 10 years development of the cooperation between banking and insurance, the bank branches selling insurance products business gradually has become an important business growth and sales channels of insurance companies. For many insurance companies, about 50% of premium income are from this channel. Similarly, for banks, this business become an important service of personal finance and improve the revenue of banks＇ intermediary business. This paper analyzed the status and problems of the cooperation between banking and insurance, then give the relative recommendations.