一、银行业与保险业合作的效应及内在动因银行业与保险业合作的前提是优势互补、资源互用、互惠互利。这种合作对银行业和保险业的发展都是大有裨益的。对于银行来说，这种合作主要表现为银行拓展中间业务。存贷款业务是银行的核心业务，但中间业务的拓展将为商业银行提供... First, the banking industry and the insurance industry’s cooperation and the internal motivation Bank and insurance industry cooperation is based on the premise of complementarity, mutual benefit and mutual benefits. Such cooperation will be of great benefit to the development of banking and insurance. For banks, this cooperation is mainly manifested in the bank to expand the middle business. Deposit and loan business is the bank’s core business, but the expansion of intermediary business will provide commercial banks ...