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近年来，随着经济快速发展，市场竞争日益加剧，为谋求共赢，银行与保险合作发展较快，合作范围逐步扩大，不仅为金融消费者提供了多样化的金融产品，同时也为双方增加了收益，实现合作双方优势互补、互惠互利、共同发展，但是实践中也出现了一些问题，亟待引起重视。
In recent years, with the rapid economic development and increasing market competition, in order to seek win-win situation, the cooperation between banks and insurance develops rapidly and the scope of cooperation is gradually expanded. This not only provides diversified financial products to financial consumers but also increases both parties In order to realize the mutual benefits and common development, the two sides also have some problems in their practice, which are urgently aroused great attention.