保险学-探讨我国银行保险业务发展问题及对策—基于区块链技术视角

探讨我国银行保险业务发展及对策—基于区块链视角【摘要】我国银保业务发展潜力无疑巨大，但与其他国家相比较，还处于初级阶段的银行保险合作模式，自从银保进入规范与调整阶段（2010 年以后），目前已成为寿险公司保费收入的支柱渠道，在其快速发展的过程中，银行和保险公司在不断磨合过程中，双方随着合作的加深、市场的扩大、经验的丰富，暴露了许多发展存在的问题。经查阅相关文献总结得出我国银行保险业务的发展问题可以分为两个层面，微观层面和宏观层面。在去年的 10 月 24 日的下午第十八次集体学习中关于区块链的发展趋势的学习。习主席主持学习并强调了区块链技术在目前技术和产业中起着至关重要的作用。因此，我们要重点突破区块链，将其作为核心技术进行自主创新，有了明确主攻方向，就可以发起重点突破的进攻，着力攻克其中的关键核心技术，推动区块链技术的创新发展。因此，本文期待区块链在银行保险业务中可以如鱼得水，相互促进，推动保险业、银行业共同的健康持续发展。【关键词】银行保险业务；区块链；发展问题Development Issues and Countermeasures of China's Banking and Insurance Business: from the Perspective of Blockchain [Abstract] The development potential of China's bancassurance business is undoubtedly huge, but compared with other countries, the bancassurance cooperation model is still in its infancy. Since the bancassurance entered the regulation and adjustment stage (after 2010), it has now become a pillar channel for premium income of life insurance companies In the course of its rapid development, banks and insurance companies have continued to deepen cooperation, expand markets and accumulate experience, while also exposing problems in their development. After consulting relevant literatures, it is concluded that the development of China's banking and insurance business can be divided into two levels, the micro level and the macro level. On the afternoon of October 24, 2019, we will conduct the eighteenth collective learning on the development status and trends of...