银行和保险公司合作,将银行业务和保险业务相结合,为客户提供更为多样化的产品和服务。其主要特点是整合金融资源,形成优势互补,降低经营成本,提高经营收入,实现共同发展,有着巨大的发展潜力。 一、国际上银保合作的起源和发展 国际上,银保合作产生于20世纪80年代初,它是随着金 Banks and insurance companies work together to combine banking and insurance businesses to provide customers with a more diverse range of products and services. Its main feature is the integration of financial resources, the formation of complementary advantages, lower operating costs, increase operating income and achieve common development, has great potential for development. I. The Origin and Development of International Bank-Insurance Cooperation Internationally, the cooperation between bancassurance and insurance broke out in the early 1980s. With the advent of gold