银保经营的“第五种模式”既发挥了银行的渠道优势,又有利于提高保险服务水平,可以作为我国当前银保市场发展的备选模式在一般将国际上银行保险的经营模式,由低级到高级分为分销协议、战略联盟、建立合资企业以及金融集团四种。近期,针对中国银保市场的问题,世界银行有关专家开出了“银保专业化”的药方,即由商业银行设立专业中介机构从事保险产品销售。这种模式在美国、中国台湾地区 The “Fifth Model” of Bancassurance Management not only exerts the channel advantages of banks but also helps to improve the level of insurance services. It can be used as an alternative mode for the development of the current bancassurance market in China. Generally speaking, the international bancassurance business model , From low to high divided into distribution agreements, strategic alliances, the establishment of joint ventures and financial groups four. Recently, in response to the issue of China’s bancassurance market, relevant experts from the World Bank set out the prescription for specialization of bancassurance, in which commercial banks set up professional intermediary agencies to sell insurance products. This model is in the United States, China Taiwan