论财产保险新产品的风险及防范策略

当前财产保险市场存在着供需矛盾。如何在产品的适销性和赢利性之间取得平衡，实现客户、渠道、公司和社会各方利益的平衡，是产品创新的难点所在。在产品创新的过程中同时会产生一系列风险，如何对这些风险进行防范，是产品创新过程中必需加以思考并有效解决的问题。

There is a contradiction between supply and demand in the property insurance market at the moment. The difficulty lies at how to strike the right balance between a product＇s marketability and profitability, and among the benefits of customers, distribution channels, the insurer and other social stakeholders. We should also carefully consider how to guard against and effectively dissolve the risks arising form the process of product design.