<p><font face="宋体"><span style="font-size: 9pt; mso-ascii-font-family: ??; mso-hansi-font-family: ??">目前，日本银保渠道的主要寿险产品为个人年金保险产品和趸交终身寿险产品。随着各家寿险公司加大对银保渠道的重视及投入力度，加之银行也将收取银保产品手续费视为提高收益的重要来源，日本大型寿险公司通过银行渠道销售的保费占比由</span><span lang="EN-US" style="font-size: 9pt; font-family: ??">2002</span><span style="font-size: 9pt; mso-ascii-font-family: ??; mso-hansi-font-family: ??">年的不足</span><span lang="EN-US" style="font-size: 9pt; font-family: ??">2%</span><span style="font-size: 9pt; mso-ascii-font-family: ??; mso-hansi-font-family: ??">稳步上升至</span><span lang="EN-US" style="font-size: 9pt; font-family: ??">2009</span><span style="font-size: 9pt; mso-ascii-font-family: ??; mso-hansi-font-family: ??">年的</span><span lang="EN-US" style="font-size: 9pt; font-family: ??">20%-30%</span><span style="font-size: 9pt; mso-ascii-font-family: ??; mso-hansi-font-family: ??">左右，预计未来银保渠道的市场份额将逐渐增长。</span></font><span lang="EN-US" style="font-size: 9pt; font-family: ??"><o:p></o:p></span></p>