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目前我国银行与保险公司的合作发展很快,现有两大类八种模式:一类是非股权合作形式,包括交叉销售协议和战略联盟两种模式;一类是股权合作形式,包括设立新公司、收购、合并等六种模式。我国银行与保险公司的合作经过十几年的演变,目前已经形成了以交叉销售协议模式为主,局部层面的销售联盟、银保绕道资本合作和成立集团控股公司等多种合作模式并存的局面。现行的合作模式是合理的,混业经营下并不存在最优的单一模式,保险公司选择合作模式应是目标、市场、公司的动态匹配。
At present, the cooperation between banks and insurance companies in China is developing rapidly. There are two major types and eight modes: one is the form of non-equity cooperation, including cross-selling agreement and strategic alliance; the other is the form of equity cooperation, including the establishment of a new company , Acquisitions, mergers and other six modes. After more than ten years of evolution, the cooperation between Chinese banks and insurance companies has formed a coexistence of various cooperation modes such as cross-selling agreement mode, local-level sales alliance, bancassurance capital cooperation and the establishment of group holding companies . The current cooperation model is reasonable. Under mixed operation, there is not the optimal single model. The choice of cooperation mode by insurance companies should be the dynamic matching of target, market and company.