In financial liberalization, riding the waves of global banking and insurance business of mutual integration is the trend of the times. Bank of insurance as a financial innovation, its origin and development, give full play to the banking and insurance industries to share resources, complement each other and enjoy the interests of all the characteristics of its active role is obvious. In recent years, the bank insurance business in China has been developing rapidly, but there are many other issues. Through analysis of the current cooperation in the silver-existing problems, find out the reasons lie, to solve the problems of the silver-development of the cooperation, speed up the silver to explore the development of security cooperation and achieve win-win-the-way