我国银行、保险公司为分业监管下的分业经营。随着金融业的发展和金融创新的不断演化,分业经营向混业经营的转变将是不可逆转的趋势。当今国际上银行、保险已出现相互融合的趋势,且速度正在加快,主要表现在:第一,银行与保险公司的业务合作达到极为密切的地步,如法国银行销售的寿险占全部寿险的55%,荷兰为22%,德国为8%,而且呈现持续上升趋势;第二,金融资本与保险资本相融合 China’s banks, insurance companies for the separation under the supervision of the business. With the development of financial industry and the continuous evolution of financial innovation, the transition from separate business to mixed business will be an irreversible trend. Nowadays, the international banking and insurance industry have emerged a trend of mutual integration and the speed is accelerating. The main features are as follows: Firstly, the business cooperation between banks and insurance companies reaches extremely close status. For example, the life insurance sold by the Bank of France accounts for 55% , 22% in the Netherlands and 8% in Germany, with a continuing upward trend. Second, the integration of financial capital with insurance capital