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在我国,由于国有商业银行的垄断性与保险市场的欠发达,使得人们对贷款保险还相当陌生,而在国外,这项创新金融业务已得到了广泛开展。贷款保险将银行业务与保险业结合起来,促使商业银行的经营机制和金融体系风险分配格局发生深刻变化,从而引起金融业的变革。本文拟就贷款保险与商业银行的传统业务、经营目标及相关制度的关系进行比较和探讨,以期对我国银保之间的合作与业务创新起到促进作用。
In our country, due to the monopoly of state-owned commercial banks and the underdeveloped insurance market, people are still quite unfamiliar with loan insurance. In other countries, this innovative financial business has been widely carried out. Loan insurance combines banking business with insurance business, prompting a profound change in the operating mechanism of commercial banks and the risk allocation pattern in the financial system, thus causing the financial industry to change. This article intends to compare and discuss the relationship between the loan insurance and the traditional businesses, business objectives and related systems of commercial banks with a view to promoting the cooperation and business innovation between China’s banking and insurance companies.