中文摘要：

从中国的银行保险的特殊性出发探讨了银行保险对中国商业银行和保险公司的战略意义，认为在目前阶段，银行保险可以看成是中国金融业未来可能的混业经营的前奏和演练。从第一代产品期满给付来临、商业银行自身战略转型要求和消费者结构变化三个方面论述了我国银行保险即将面临重要的战略转型和中国的银行保险在产品的三个层次和渠道合作中出现的若干创新趋势。

英文摘要：

Based on an analysis of China＇s bancassurance, this paper argued that bancassurance is of strategic significance to Chinese banks and insurance companies, as it is the antecedence and rehearsal of the possible upcoming integrated operations in Chinese financial industry. It forecasts that China＇s bancassurance is facing a strategic transformation because of expiring of the first generation products, strategic transforming of Chinese commercial banks and the structural changes of consumers. It also discusses the emerging innovation trends of China＇s bancassurance with respect of three levels of products and channels cooperation.