随着我国市场经济的成熟和金融体系的不断健全，银行保险在我国开始迅速发展。银行代理保险业务的发展对银行、保险公司和客户都产生的积极的影响。但是，我们看到成绩的同时，也发现了当前我国银行代理保险存在着许多问题，本文总结了当前我国银行保险存在的六个主要问题：银行与保险公司合停留在表面；忽视业务基础发展建设；产品同质化严重；销售合作多，服务合作少；文化差异难以融合；双重监管产生负面影响。针对以上问题，本文提出以下解决方案：加强跨行业的合作发展；加快共享信息平台的建设；加快银保产品创新；明确权责，协同监管；销售人员薪酬制度的改革。

银行保险；银保产品；双重监管；创新；改革

With our nation’s market economy maturing and financial system turning sound continuously, Bank Insurance has fast developed in our country. The development of Commission Insurance Business has brought forth positive impact on banks, insurance companies and clients. However, facing the achievements, we can also found many problems existing in Commission Insurance Business in our country at present. 6 main problems are summarized in this article, and they are: the cooperation between banks and insurance companies stopping at the façade; neglecting service fundamental development; products’ severe homogenous phenomenon; the abundance of sales cooperation and the lack of service cooperation; difficultly achieving amalgamation for cultural differences and the negative effects of dual supervision. Contraposing those problems above, this article puts forward the following solutions: strengthening the cross-trade’s cooperation development; speeding up building of shared information platform; accelerate the product innovation of CIB; well defining power and responsibility with supervising cooperatively and reforming of sales force’s salary system.

Commission Insurance Business; CIB product; dual supervision; creation; reform