国外的研究机构和学者在对银行保险开展理论研究的同时，从风险分散效应、财富效应等多方面对银行保险进行了实证研究。由于不同研究所选择的样本期和研究方法不同，结论也不尽相同，但大部分实证研究对于银行保险的正面效应给予了支持。%When conducting theoretical research, overseas research institutes and scholars conducted experimental research on bank insurance in terms of risk - dispersion effect, wealth effect, and so on. Due to different samples and different methods, they have got different results. However, most of the studies have supported the positive effects of bank insurance.
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