我国银行保险现状与发展研究【摘要】由于经济发展水平及基本国情政策不同，从产品的种类、期限或是合作销售渠道来讲，我国与国外发达国家有很多不同之处。我国当前仍处在银行保险发展的初级阶段，发展模式大部分以分销协议模式为主，并有小量的战略联盟模式组成。而在英国，分销协议模式与战略联盟模式已成过去式，现在主要以银行控股保险公司和成立合资公司模式为主。银行进入保险公司的门槛非常高，即使保险业发达也并不能改变这种状况。法国早期也以分销协议模式为主，而因为他们起步早且政策监管宽松，现阶段主要以成立合资公司模式为主，大部分银行都有创立属于自己的保险子公司。美国银行保险发展缓慢，主要把精力放在发展银行保险产品上，在国内比较流行的是银行与保险公司合资或成为联盟。【关键词】银行保险、共赢、发展模式、金融一体化、改革注：本论文（设计）题目来源于教师的国家级（或省部级、厅级、市级、校级、企业）科研项目，项目编号为： 。Research on the present situation and development of bancassurance in China[Abstract] due to the differences in economic development level, basic national conditions and policies, China and developed countries have great differences in product types, terms and cooperative sales channels. It is of great practical significance for the development of China's banking and insurance industry to find out the gaps, compare the differences and carry out reform and innovation. As China is still in the initial stage of banking and insurance development, the development model is mainly based on the distribution agreement model, accompanied by a small number of strategic alliance models. In the UK, they have gone through distribution agreement models and strategic alliance models, which are now dominated by bank holding insurers and joint ventures. However, the barrier for Banks to enter insurance companies is very high, and even if the insurance industry is developed, this situation cannot be changed. In its early days, France also fo...
