商业银行参与保险市场是国际金融发展的一大趋势,随着国际金融自由化的发展,银行与保险的联姻现象日益突出。银行参与保险业,从保险公司角度讲,可以利用银行在网点和客户方面的优势,扩大业务规模,降低经营成本; The participation of commercial banks in the insurance market is a major trend in international financial development. With the development of international financial liberalization, the marriage between banks and insurance has become increasingly prominent. Banks participate in the insurance industry, from the perspective of insurance companies, banks can take advantage of the outlets and customers to expand their business scale and reduce operating costs;