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当今的世界经济越来越倾向于自由化、一体化发展,作为经济风向标的金融业在这其中表现得尤为突出,而金融业的两大支柱:银行业和保险业的混业经营给经济、金融市场带来了蓬勃生机。上个世纪末,随着行业一体化趋势的发展,我国的保险公司和银行也加入了混业经营的行列。1995年,一些诸如新华、泰安、华安等新成立的保险公司,由于开拓有效市场和建立稳定销售渠道的需要,开始致力于开展银行代理保险销售的业务。这给我国的经济金融发展注入了新的活力,但同时保险业与银行业的业务融合也产生了一些问题。一、银保代理业务的基本情况
Today’s world economy is more and more inclined to liberalization and integration. The financial industry, as the economic vane, is particularly prominent in this field. The two pillars of the financial industry: the mixed operation of banking and insurance gives economic, Financial markets have brought about vitality. The end of the last century, with the development of the trend of integration of the industry, our insurance companies and banks also joined the ranks of mixed operations. In 1995, some newly established insurance companies such as Xinhua, Taian and Huaan began to devote themselves to the business of bank agency insurance sales due to the need to explore effective markets and establish stable sales channels. This has injected new vitality into the economic and financial development of our country, but at the same time, the business integration between the insurance industry and the banking industry has also created some problems. First, the basic situation of bank insurance agency business