“银保合作”是指银行和保险公司充分利用和协同双方的优势资源,通过客户资源的整合与销售渠道的共享,提供与保险有关的综合化金融服务。国际上银保合作共有四种运作模式:协议代理、战略联盟、合资公司和金融服务集团。目前丽江市各银行和保险公司采取的都是“协议代理”模式,即在代理销售协议下,银行作为兼业代理人销售保险产品,由此获得保险公司支付的代理手续费和佣 “Bank-Insurance Cooperation ” means that banks and insurance companies make full use of and cooperate with the superior resources of both parties to provide integrated financial services related to insurance through the integration of customer resources and sales channels. International cooperation in banking and insurance there are four modes of operation: agreement agents, strategic alliances, joint ventures and financial services group. At present, all banks and insurance companies in Lijiang City adopt the mode of “agreement agency”, in which the bank sells the insurance products as a part-time agent under the agency sales agreement, thereby obtaining agency fees and commissions paid by insurance companies