影响我国人身保险产品创新因素分析

The Analysis on the Factors Affecting Innovation of Life-insurance Product

促使我国人身保险飞速发展的因素之一是人身保险产品的创新。由于人身保险同时具有商业性、社会性、法律性和科学性的特点,决定了需要经济核算的人身保险公司,在保险产品的创新上,必然受到来自保险企业内部管理和外部环境的制约和影响。对此,应保险产品创新的内外影响因素进行分析,以达到问题解决问题的目的。

One of the factors for the booming life insurance industry in China is the innovation in its product line. For a life insurer who has established a business accounting system, the characteristic that life insurance involves commercial, legal and scientific aspects at one time decides that the innovations in the product line could inevitably be restricted or influenced by its interior management or exterior environment. The paper will try to analyze both the interior and the exterior factors in order that the problem obstructing the innovations could be solved.