【摘要】 自1995年以来金融机构累计形成的巨额存差,对商业银行传统的依靠存贷利差获取收入的模式形成了挑战,同时也给保险公司加快银行保险业务带来了新的机遇。2006年一季度国内银行保险业务迅猛增长只是一个阶段性的特殊现象,并不表明加快我国银行保险业务发展的外部环境已经成熟,银行保险已经进入良性、可持续发展的轨道。由于我国现阶段采用的是金融分业经营的制度和资本市场的不完善,实现银行保险业务的良性、可持续发展还存在着若干制约因素,消除和化解这些制约因素则是加快银行保险业务发展的关键所在。更多还原

【Abstract】 The huge deposits surplus accumulated within Chinese financial institutes since 1995 has presented great challenges to commercial banks’ traditional income models based on interest difference between deposit and credit. It also brings opportunities for insurance companies to explore bancassurance. The rapid growth of Chinese bancassurance in the first quarter of 2006 only can be seen as a special phenomenon, it doesn’t mean that either China has developed a mature climate for its bancassurance or Chinese bancassurance has entered into a normal, sustainable developmental stage. Due to the professional financial system and immature of capital markets, there are some restrictive factors impeding bancassurance’ s rapid developments in China. To eliminate and diminish the restrictive factors is key to further Chinese bancassurance.更多还原