自主创新：保险企业发展的推进器

Propeller for Development of the Insurance Industry

“十一五”时期是全面建设小康社会的关键时期，也是中国保险业发展的重要时期。目前，中国保险市场风云激荡。新形势带来新挑战，新阶段需要新思路。自主创新成为中国保险业改革和发展的必由之路。保险企业应在今后的改革与发展中，结合自身实际，深刻领会中央提出的“提高自主创新能力”的深刻含义，并在包括企业制度、营销模式、产品和服务、人力资源、信息技术和企业文化等各方面的经营管理工作中融入创新思维，以持续推进中国保险业的蓬勃发展。

The Eleventh Five-Year period is crucial for China to build itself into a well-off society in an all-round way, so it is for the development of China＇s insurance industry. The insurance market is now undergoing tremendous changes, giving rise to new challenges and the advent of new thoughts. Independent innovation is the only path for the reform and development of the insurance industry in China. Chinese insurance companies should comprehend thoroughly the importance of the CPC Central Committee＇s call of “enhancing the capacities of independent innovation” and innovate their operation regarding corporate system, marketing modes, products and services, human resources, IT and corporate culture with a careful consideration of their own specific situations ,in order to promote continued development of china＇s insurance industry.