混业趋势下银保合作的发展之路

混业趋势下银保合作的发展之路
摘  要
本文在国内外学者对混业经营、银保合作研究的基础之上，通过对国外成功经验的分析，对银保合作的形式、发展历程进行回顾，并对我国银保合作的现状进行分析，通过一些行业数据指标，总结我国现阶段发展之瓶颈，并提出相应的对策，希望有所帮助。本文的结论是目前我国多对多模式发展已达到极限，短期来看，我国银保合作的发展趋势体现为总量增长放缓、产品结构调整和合作方式升级；要进一步发展我国银保合作，增强国家金融竞争力，必须放松分业管制，促进混业或综合经营，即银保合作的最终发展趋势是走向综合或混业经营。本文的实际意义在于从合作方式转变、政策支持及具体产品和服务创新方面给出解决我国银保合作现阶段瓶颈问题的对策与建议。
【关键词】 银保合作   多对多模式   战略联盟  金融控股公司 

Development of Bancassurance in the Tendency of Financial Mixed Operations
ABSTRACT
Based on original research relevant to bancassurance and consolidation of different financial industries, this paper summaries the current bottleneck in the process of China’s development through the analysis of successful experiences abroad, the reviewing of the banking and insurance cooperation in the form of development,and also a number of indurstry data. At the same time, this paper puts forward some corresponding countermeasures which may help.This conclusion will be that the development of China’s many-to-many model has approched a limit. In the short term,the trend of China’s bancassurance is slowing down in scale and it is facing with an erotic adjustment in product structure. To further develop the bancassurance in our country, and strengthen our national financial competitiveness as well, we must loosen the control over sub-sector, and promote the diverse economic undertakings or mixed operation, which will be the ultimate tendency for bancassurance.Practical meaning of this paper is to give solutions and suggestions to the bottleneck of bancassurance at this stage in aspects of the transformation of cooperation, the supporting policies and the specific product and service innovations.
【Key words】bancassurance   many-to-many model   Strategic Alliance
Financial holding company

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