浅析中国银行保险业务的发展——以中国平安保险公司为例AnalysisoftheDevelopmentofBankInsuranceBusinessinChina——TakingChinaPingAninsurancecompanyasanexample摘要随着全球经济的发展，金融业的全球化与一体化趋势不断增强，可以预见，我国金融业也将面临着越来越严峻的挑战。尤其是在我国自2001年正式加入WTO以后，分业经营模式愈发的处于劣势之中，因此，我国保险、银行等不同金融行业之间混业经营模式开始发展。随着金融机构之间混业经营的开展，诞生了银行保险这一重要的金融产品，也成为国际保险行业的重要发展趋势之一，在这样的条件下，银保合作显得尤为重要，必须向更高层次发展。虽然我国保险行业在该银行保险方面取得了长足的发展与进步，有了初步的经验和探索，但是，实践中存在的诸多问题仍有待解决。在金融机构的混业经营上，平安保险一马当先，在保险业务为核心的基础之上，逐渐成长成为一家多元化的金融服务巨头，他们银行保险业务的发展模式值得我们去分析和探讨，以便在我国大环境下对银行保险加快创新步伐，完成新的探索，探寻一条具有中国特色的金融保险机构发展道路，促进我国金融保险行业的进一步发展。关键词：银行保险平安保险公司金融一体化混业经营AbstractWiththedevelopmentoftheglobaleconomy,thetrendofglobalizationandintegrationofthefinancialindustryisincreasing.ItisforeseeablethatChina'sfinancialindustrywillalsofacemoreandmoreseverechallenges.EspeciallysinceChinaformallyjoinedtheWTOsince2001,themodelofseparateoperationhasbecomemoreandmoredisadvantaged.Therefore,themixedoperationmodebetweenthedifferentfinancialsectorsofChina'sInsuranceandbankshasbeendeveloped.Thebankassurancehasbecomeoneoftheproductsofthemixedoperation.Atthesametime,thebankinsurancehasbecomethemaintrendintheinternationalinsuranceindustry,andthecooperationofthebankinginsurancewillinevitablygotothedeeperdevelopment.China'sinsuranceindustryhasmadesomeusefulattemptsandexplorationsinbankassurancebusiness,gainedsomeexperienceandachievedrapiddevelopment.However,thebankassuranceinChinaisstillintheinitialstageofdevelopment,andmanydeficienciesandproblemsneedtobesolvedhavebeenfoundinpractice.AsapioneerofthemixedoperationofthefinancialindustryinChina,PingAninsurancecompanyisaworldleadingdiversifiedfinancialservicegroupwiththecoreoftheinsurancebusiness.Thedevelopmentmodeoftheirbankinginsurancebusinessisworthanalyzinganddiscussinginordertoacceleratetheinnovationofthebankinsuranceandcompletethenewexplorationunderthegreatenvironmentofourcountry.InordertofindanewwayofdevelopmentforChina'sinsuranceindustry,China'sbankingandinsurancebusinessisanewwayofdevelopment.Keywords：Bankassurance,PingAninsurancecompany,financialintegration,mixedoperation前言一、银行保险的理论基础........................................................................7（一）金融服务的一体化和全球化........................................................7（二）营销渠道创新................................................................................7（三）银行保险发展的原因分析............................................................8二、发达国家银行保险业务的发展现状................................................8（一）法国银行保险业务的发展史........................................................8（二）法国银行保险业务发展现状........................................................9三、平安保险公司银行保险发展现状及问题分析..............................11（一）平安保险公司银行保险业务发展的现状..................................11（二）平安保险公司银行保险未来趋势的SWOT分析.....................13四、...
