我国银行保险发展状况产生于20世纪80年代欧洲的银行保险在我国的发展还处在起步阶段,但其发展的潜力不容忽视。自2000年中国平安保险公司在同业中率先推出专门由银行代理销售的“千禧红”系列保险产品后,我国的银保合作迅速升温(表1)。2000年银行保险实现的保费收入为2．54亿元,仅占当年 The development of bank insurance in our country originated from the development of bank insurance in Europe in the 1980s in our country is still in its infancy, but its development potential can not be ignored. Since China Ping An Insurance Company took the lead in launching the series of “Millennium Red” insurance products sold exclusively by banks in 2000, the co-operation between bancassurance and insurance in our country has been rapidly warming up (Table 1). In 2000, bank insurance premium income was 254 million yuan, accounting for only that year