In the recent years ,Commercial bribe risk has been an important factor to affect the development of bancassurance and be paid more and more attention .

• 近年来，在我国银行保险发展过程中，商业贿赂风险一直是影响我国银行保险业务发展的一个重要因素，商业贿赂问题已成为业界人士关注的焦点。