我国银保市场商业贿赂问题探讨

近年来,在我国银行保险发展过程中,商业贿赂风险一直是影响我国银保合作业务发展的一个重要因素,商业贿赂问题已成为业界人士关注的焦点。商业贿赂的成因主要是委托代理关系多方化、寻租现象严重及手续费的随意性支付,其对我国银行保险业务的健康发展带来风险,因此,要从制度角度、银行与保险公司的深层次合作及加强内控机制等方面对商业贿赂风险进行有效防范。

A Study on Commercial Bribe in Bancassurance Market in China

In recent years, commercial bribe has been an important factor to affect the development of bancassurance and has been paid more and more attention by professionals. The main reasons of the commercial bribe are multi ways of entrustment -- agency relation, rent - seeking phenomenon severity and optional pay of service charge. It brings great risk into the development of bancassurance. Therefore, effective measures, such as changing systems, strengthening the cooperation between bank and insurance company and enhancing the inner - controlled mechanism, should be taken to prevent the commercial bribe.