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银行准入保险,主要包括两种形式:一种是银行作为保险公司的代理机构销售保险产品,一种是直接投资参股或控股保险公司。我国银行代理保险业务自1996年开始,银行控股保险公司自2009年开始。无论是银行代理保险业务,还是银行控股保险公司,都对我国人寿保险市场的竞争格局产生了实质性影响,同时也使我国人寿保险行业面临着新的挑战和发展机遇。
Bank access insurance, mainly includes two forms: one is the bank as an insurance agency to sell insurance products, one is the direct investment shares or holding insurance companies. China’s bank insurance agency business since 1996, bank holding insurance companies since 2009. Both the banking agency insurance business and the bank holding insurance company all have a substantial impact on the competitive landscape of China’s life insurance market, meanwhile, the life insurance industry in our country faces new challenges and development opportunities.