2006年的春天似乎格外眷顾保险业。然而,保费快速囤积的表象下,其它行业的金融风险正在不知不觉中向保险业渗透。据中国人民银行统计,2005年末,金融机构存差已经达到9．2万亿元,占存款余额的52％。从揽储到惜贷,在巨大的存差压力下,银行业的转型已经悄然启动。“实现资产多元化、股权多元化的过程中,多年来累积在银行业的风险也正在向其他行业转移。”一位不愿透露姓名的金融界人士说。该人士称,银行转移金融风险的两大主要渠道,“好比一个人向外伸出的两只手臂,一只伸向 The spring of 2006 seems particularly concerned about the insurance industry. However, with the rapid accumulation of premiums, financial risks in other industries are unwittingly infiltrating into the insurance industry. According to statistics from the People’s Bank of China, by the end of 2005, the deposit balance of financial institutions had reached 9.2 trillion yuan, accounting for 52% of the balance of deposits. From Lan Chu to cherish loans, under the tremendous pressure of deposit difference, the banking industry has quietly started the transformation. “In the process of diversifying assets and diversifying ownership, the risks that have accumulated in the banking industry over the years are also being shifted to other industries,” said one financial expert who declined to be named. The source said that the two major channels of bank transfer of financial risk, "just like a person out of two arms out, one to the