银保产品

银保产品创新要以市场需求为导向，健全产业结构，以价值为导向，实现可持续发展。

Bancassurance product innovation to the market demand , improve the industrial structure , value-oriented , to achieve sustainable development .

然而，中国本土和外国保险公司都预计，它们将面临来自中国强大银行业的严峻挑战。中国各银行最近已获准收购保险公司股权，并正在推出银保产品。

However , both domestic and foreign insurance companies expect to face stiff challenges from China 's powerful banks , which have recently been granted approval to acquire stakes in insurers and are rolling out banc assurance products .

近年来，商业银行和保险公司在银保产品方面的合作发展非常迅速，商业银行正在寻求更多的贸易金融业务创新，保险公司也力图在信用交易中获得更多的保费收入。

The bank-insurance as the mixed operation production between banks and insurance company developed very quickly this years . Now the commercial bank is seeking more innovations of trade financial operation , the insurance company also wants to earn more premium income from the credit trade .

不同规模的公司也应当采取不同的短期应对措施，以调整银保合作的产品结构，并提高自身相应的投资能力。

Companies of different sizes should adopt different shortterm countermeasures to adjust the product structure which is a result of the cooperation between the bank and insurance company as well as to improve their own investment capacity .

这部分是将西方经验与中国实际相结合，对银行保险在中国的发展具有一定的参考意义。最后，论文对银保合作中的产品创新和金融监管进行了专项研究。

This part was to combine together western experience and Chinese reality , and had certain reference meanings for bancassurance developing in China . Finally , the thesis carried on a special research on products ' innovation and financial supervision .

2000年引入海外银行保险理念以来，我国的银行保险业呈现出良好的发展势头。银保双方在合作产品、合作渠道、合作团队上有所创新，但是根本的合作模式没有发生实质改变。

Bancassurance has maintained a robust growth momentum since it was introduced into China in 2000.The two parties of bancassurance have made a lot of innovation in product , cooperative channel and sales force , however , the fundamental cooperation model has not been changed .