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国内银行保险已经成为国内寿险的第一大来源渠道,但是,在银行保险的发展过程中,始终存在手续费的恶性竞争,导致银行保险合作各方并没有形成一种共赢的局面。未来,银行母公司金融控股集团模式将成为国内金融集团的主要形式。本文研究了银行母公司金融控股集团模式下银行保险博弈各方合作共赢的表现形式、环境要求和共赢构建的内容。
Domestic bank insurance has become the largest source of domestic life insurance. However, in the development of bank insurance, there has always been a vicious competition of handling fees, which has resulted in the fact that all parties to bank insurance cooperation have not formed a win-win situation. In the future, the parent bank’s financial holding group model will become the major form of domestic financial group. This paper studies the forms of win-win cooperation, environment requirements and the content of win-win cooperation in the bank insurance game under the model of financial holding group of the parent company.