银行和保险业互相融合,产生了银行保险(Bancassurance)这种新型金融服务形式。银行作为保险公司的兼业代理人实现保险分销,银行通过各种方式向客户提供保险产品进入保险领域。1973年,全球最早的两家银行保险公司出现在法国。此后,银行保险发展迅猛, The integration of banks and insurance creates a new form of financial services such as Bancassurance. As a part-time agent for insurance companies, banks implement insurance distribution. Banks provide insurance products to customers in various ways and enter the insurance field. In 1973, two of the world’s first bank insurance companies appeared in France. Since then, the rapid development of bank insurance,