我国商业银行代理保险业务发展研究ResearchontheDevelopmentofAgencyInsuranceBusinessofCommercialBanksinChina摘要银行代理保险是银行的一项中间业务，收益相对稳定。目前银行代理保险业务快速发展，业务规模也在不断扩大，从最开始代收保费到现在的销售保险等，到现在增加到保单质押贷款、个人理财以及保险金融等相关业务，可以看到，银行和保险公司的联系更加密切。但是从实际发展来看，银行代理保险业务也存在了一些问题，比如在管理和监督上的不足，从业人员不够专业，监督和管理不到位以及保险售后无保障等，这些问题都会对银行代理保险业务产生影响。因此，应该健全售前及售后服务管理机制、打造专业化团队、加强内部监管与改善业务流程和深化银保长期合作，通过上述措施希望对银行改进银行代理保险业务有所帮助，提高客户对银行的信任，促进银行代理保险业务的健康持续发展。关键词：商业银行；代理保险业务；银保合作ResearchontheDevelopmentofAgencyInsuranceBusinessofCommercialBanksinChinaAbstractBankagencyinsuranceisanintermediarybusinessofbanks,anditsincomeisrelativelystable.Atpresent,thebankagencyinsurancebusinessisdevelopingrapidly,andthebusinessscaleisalsoexpanding.Fromthecollectionofpremiumsatthebeginningtothecurrentsalesofinsurance,tothepolicypledgeloan,personalfinance,insurancefinanceandotherrelatedbusinesses,itcanbeseenthattherelationshipbetweenbanksandinsurancecompaniesiscloser.However,fromtheperspectiveofactualdevelopment,therearealsosomeproblemsinthebankagencyinsurancebusiness,suchasinsufficientmanagementandsupervision,unprofessionalemployees,inadequatesupervisionandmanagement,andnoguaranteeforafter-salesinsurance.Theseproblemswillhaveanimpactonthebankagencyinsurancebusiness.Therefore,weshouldimprovethepre-salesandafter-salesservicemanagementmechanism,buildaprofessionalteam,strengtheninternalsupervision,improvebusinessprocessesanddeepenthelong-termcooperationbetweenbankandinsurance.Throughtheabovemeasures,wehopetohelpbanksimprovethebankagencyinsurancebusiness,improvecustomers'trustinbanksandpromotethehealthyandsustainabledevelopmentofbankagencyinsurancebusiness.KeyWords：CommercialBanks;ActingforInsuranceBusiness;BancassuranceCooperation目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II一、绪论................................................................................................................................1（一）研究背景............................................................................................................1（二）研究意义............................................................................................................1（三）研究思路与研究内容........................................................................................1（四）研究方法与创新点............................................................................................2二、理论基础与文献综述....................................................................................................3（一）银行代理保险业务的概念................................................................................3（二）银行代理保险业务的理论基础........................................................................3（三）文献综述................................................................
