【摘要】 银行保险自产生以来 ,得到了迅速的发展 ,形成了四种运作模式 :销售协议、战略联盟、合资公司和金融服务集团。在我国 ,银行保险的发展既有有利因素 ,也有不利因素。预计短期内 ,我国银行保险保费收入将继续保持快速增长的势头 ,双方合作方式将更为紧密 ,运作模式则会由销售协议向战略联盟逐步过渡更多还原

【Abstract】 Since bancassurance appeared,it has been developing rapidly.There are four operating modes,namely,distribution agreement,strategic alliance,joint venture,and financial service group.In China,there are both advantageous and disadvantageous factors affecting the development of bancassurance.It is expected that in the short run,premiums through bancassurance will keep a strong momentum,banks and insurance companies will cooperate more tightly and operating mode transmit from distribution agreement to strategic alliance gradually.更多还原