随着金融领域的不断竞争、金融全球化的发展以及现代科学技术的不断进步,金融业内的银行、证券、保险联系合作、相互渗透的趋势日渐明显,其中银行保险格外引人注目。银行保险(bancassurance),是保险公司或银行采用的一种相互渗透和融合的战略,是将银行和保险等多种金融服务联系 With the constant competition in the financial field, the development of financial globalization and the continuous improvement of modern science and technology, the mutual penetration of banking, securities and insurance in the financial industry has become increasingly evident. Bank insurance has drawn special attention. Bancassurance, a mutual penetration and integration strategy used by insurers or banks, links banking and insurance and other financial services