2001年以来,以“分红+寿险”为标准模式的银行保险产品一度成为市场热销的保险产品。由于其相对简单的保险责任和可预期的丰厚收益,为百姓提供了一个全新的理财工具,去年北京市银行保险保费收入超过87亿,占人身险总保费的36%。随着银行保险的快速发展,百姓对银行保险的消费日趋理性,对保险责任、投资收益的寻求也更加清晰明确。同时,保险市场、监管部门和学术界都对银行保险产品提出了更高的要求。作为一款分红产品,其蕴含的投资风险毕竟不是所有消费者都能理解和接受的。面对越来越强烈“要求银保产品创新”的呼声,市场上悄然出现了一 Since 2001, the bank insurance products based on the standard of “dividend + life insurance” have become the selling insurance products on the market. Due to its relatively simple insurance liability and predictable profitability, it provided a new wealth management tool for the people. Last year, bank insurance premium income in Beijing exceeded 8.7 billion, accounting for 36% of the total life insurance premium. With the rapid development of bank insurance, people’s consumption of bank insurance has become increasingly rational, and the quest for insurance liability and investment income has become clearer and clearer. At the same time, the insurance market, regulators and academics all put forward higher requirements on bank insurance products. As a bonus product, its investment risk, after all, after all, not all consumers can understand and accept. In the face of more and more strong demand for “innovation in bancassurance products,” the market quietly appeared