我国的银行保险是在外在压力和内在需求的合力作用下诞生的。近年来,其发展也出现反复。自1995年起,国内银行与保险公司开始逐步合作,为共同客户提供银行保险服务。为应对竞争压力和加入世贸组织的挑战,1999年以来,银行与保险的合作进一步加强,我国金融出现“银保合作”热。银 China’s banking insurance was born under the combined effect of external pressure and internal demand. In recent years, its development has also appeared repeatedly. Since 1995, domestic banks and insurance companies have started to gradually cooperate to provide bank insurance services to common customers. To cope with the pressure of competition and the challenge of joining the WTO, cooperation between banks and insurance has been further strengthened since 1999, and the “silver co-operation and cooperation” fever in our country’s finance industry has emerged. silver