理论创新与保险业发展

Theoretical Innovation and Development of Insurance Industry

保险理论创新是人们通过创造性的活动而赋予保险理论的一种新形式或新内涵；保险理论创新应该具备科学性、创新性、实践性等特征。保险技术创新、保险管理创新和保险制度创新等是保险理论创新的基本创新形式。保险理论创新与其他保险基本创新之间的关系是一种相互依存、彼此促进的关系。目前中国的保险理论创新需要实行“三个转变”，创造“三个条件”。

Insurance theoretical innovation is to confer a new form or new connotation to insurance theories through a creative activity. This activity should be scientific, creative and practical. The basic forms of insurance theoretical innovation include insurance technical innovation, insurance management innovation and insurance system innovation. Theoretical innovation and other types of innovation are inter-dependent and mutually reinforcing. At the moment, insurance theoretical innovation in China is in need of “three changes” and “three conditions”.