银行保险的出现和发展是生产力发展的必然结果。银保合作有利于银行、保险公司以及客户之间实现“三赢”。银行保险在国际上已获得巨大成功,在我国虽然起步较晚,但发展迅速,呈现出强大的生命力和无限的发展后劲,已成为各家保险公司新的业务增长点。目前,为更好地发展银行保险市场,使银行保险这一新兴事业逐步走向成熟,从容应对入世后外资保险公司带给我们的挑战,我国的银行保险在合作方式、营销体制、企业文化、产品开发、网络系统、政策监管等方面还需进一步改革和完善。 The emergence and development of bank insurance is an inevitable result of the development of productivity. Bank-insurance cooperation will help banks, insurance companies and customers to achieve “win-win ”. Bank insurance has achieved great success in the world. Although it started late in our country, it has developed rapidly, showing great vitality and unlimited development potential. It has become a new business growth point for various insurance companies. At present, in order to better develop the banking insurance market, make the emerging cause of bank insurance mature gradually and calmly deal with the challenges posed by foreign insurance companies after China’s accession to the WTO. The bank insurance in our country has many challenges in the areas of cooperation, marketing system, corporate culture, products Development, network system, policy regulation and other aspects need further reform and improvement.