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我国银行的保险业务在开始的阶段已经针对商业银行和保险公司的业务范围进行了限制,将其划分在不同的领域,但由于“分业经营,兼业代理”的出现,导致商业银行和保险业务的融合受到阻碍,长期合作化为泡影,由此在组织结构和产品开发问题上对商业银行开展保险业务造成了严重阻碍。我国政府为了推动银行保险业务的发展,在2006年颁布了《国务院关于保险业改革发展的若干意见》,指出在风险能够控制的基础上,支持保险资金流入到商业银行中。2006年的九月份,我国保监会出台了《关于保险机构投资商业银行股权的通知》,认同了保险公司参股商业银行的可行性。自此之后我国银行保险业务的规模不断扩大,对银行的影响不断提升,但是由于保险业务的进入,出现了很多商业贿赂、销售误导等不法行为,对我国的保险行业和商业银行的发展造成了阻碍。
China’s banking insurance business in the initial stage has been for the commercial banks and insurance companies to limit the scope of business, to be divided into different areas, but because of the “division of operations, part-time agency ” appears, leading commercial banks The integration with the insurance business was hampered and the long-term cooperation became the bubble, which caused serious obstacles to the insurance business of commercial banks in terms of organizational structure and product development. In order to promote the development of bank insurance business, our government promulgated “Several Opinions of the State Council on the Reform and Development of the Insurance Industry” in 2006, pointing out that the insurance funds should be allowed to flow into commercial banks on the basis of risk control. In September 2006, China Insurance Regulatory Commission promulgated the “Notice on Equity Investment by Insurance Institutions in Commercial Banks”, which confirms the feasibility of insurance companies participating in commercial banks. Since then, the scale of China’s bank insurance business has been expanding and its influence on the banks has been on the rise. However, due to the entry of insurance business, many commercial bribery and misleading sales have occurred, which has caused the development of the insurance industry and commercial banks in our country. Hinder