我国银行保险业务发展的现状及对策

摘    要
银行保险是指银行或保险公司采取的一种相互融合渗透的战略，是充分利用和协同双方的优势资源，通过共同的销售渠道、为共同的客户群体、提供兼备银行和保险特征的金融产品，以一体化的经营形式来满足客户多元化，金融需求的一种综合化金融服务。银行保险在我国尚属于新生事物，在其业务蓬勃发展的同时也暴露出认识不到位、合作短期化、手续费高居不下等问题，面对其存在的众多问题。因此，应该加强银行保险业务市场调查；建立银行和保险公司市场信息传递渠道；建立产品售后服务和加强对银行保险业务的监管等措施。

关键词： 银行保险；客户多元化；金融服务

 
Abstract
 The bank insurance refers to one kind which the bank or the Insurance company adopt to fuse the seepage mutually the strategy, uses and coordinates the bilateral superiority resources fully, through the common marketing channel, for the common customer community, provides has both the bank and the insurance characteristic financial product, the integrated management form satisfies the customer multiplication, the financial demand one kind of integration financial service. The bank insurance still belonged to the newly emerging things in China, also exposes the understanding while its service vigorous development's not to arrive, the cooperation short-term, facing its existence numerous questions. Therefore, proposed that strengthens the bank insurance business market survey; Establishes the bank and the Insurance company market information transmission channel; The establishment product post-sale service and strengthens to bank insurance business measures and so on supervision.

Keywords：bank insurance；customer multiplication；financial service

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