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从44.45%大幅攀升至68.15%。　　这种与行业主流趋势背道而驰的产品策略，虽然在一定程度上迎合了银保渠道客户对于确定收益的偏好，却也使公司不得不承受巨大的利差损风险。　　追根溯源，超95%的保费依赖银保渠道这一结构性缺陷，致使其产品策略在很大程度上受制于银行客户较为保守的偏好。当其他险企正通过拓展多元化渠道以及推进产品创新，逐步摆脱对传统银保渠道的路径依赖时，交银人寿在转型方面的滞后，很可能

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