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银行保险已经成为一种令人关注的金融现象,在我国,银行代理保险业务的保费收入已经超过团体直销业务,成为人身保险销售的几大支柱之一。同时,银行保险业务也为我国商业银行调整传统以存贷款为主的经营模式,转而向纵深推进以中间业务发展为重点的经营战略和业务结构转型提供了良好的支撑平台。不过,总体来说,尽管目前银行保险业务在我国得以快速发展,但与西方发达国家相比,我国银行保险发展还处于较低水平,深度和广度
Bank insurance has become a financial phenomenon of concern. In our country, bank insurance premium income of agency insurance business has exceeded that of group direct sales and become one of the main pillars of personal insurance sales. In the meantime, the banking insurance business also adjusted the traditional deposit-loan-oriented business model for commercial banks in our country, and instead provided a good supporting platform for the further promotion of the business strategy and business structure transformation focusing on the development of the intermediary business. However, in general, despite the current rapid development of bank insurance business in our country, compared with developed countries in the West, the development of bank insurance in our country is still at a low level, with its depth and breadth