银保新政后我国银行保险转型发展的研究【摘要】目前我国银行保险业正处于转型阶段，此阶段的银行保险虽然发展速度较快，对我国保险业的保费贡献率很大，但是销售误导、业务结构不合理、“小账”问题、产品缺乏创新性和银保合作模式调整等问题还没得到有效的解决。为了规范我国银行保险的经营行为，2019 年 8 月银保新政出台，对银行保险销售行为等各方面作出了明确的规定，使银行保险业务的经营更加规范有序，但对我国银保合作模式未作明确的引导。本文将在 2019 年银保新政出台的背景下，通过分析我国银行保险的现状，解读银保新政的重点内容并对及其产生的影响，借鉴欧洲的银行保险合作模式和经营模式的经验借鉴，从加快混业经营进程、加强监管、调整合作模式、优化业务结构等方面提出了对策和建议，对解决我国银行保险现存问题以及选择合适的合作模式具有一定的意义，促进我国银行保险的转型。【关键词】 银行保险；银保新政；欧洲银行保险；转型Research on the Development of bancassurance transformation in China after the new policy[Abstract] At present, China's bancassurance industry is in a transitional stage. Although the bancassurance at this stage develops rapidly and contributes a lot to the premium of China's insurance industry, the sales are misleading, the business structure is unreasonable, the "small account" problem, and the product lacks innovation Issues such as the adjustment of sex and bancassurance cooperation models have not been effectively resolved. In order to regulate the operation of China's bancassurance, the new policy of bancassurance was introduced in August 2019, which made clear regulations on various aspects of bancassurance sales, making the operation of bancassurance business more standardized and orderly. The model is not clearly guided. This article will start with the new bancassurance policy in 2019. By analyzing the current situation of China's bancassurance, the key contents of the bancassurance policy and their impact will be interprete...
