为科学和规范经营奠定良好的基础——写在人保2005版财产保险产品启用之际

目前我国企业财产保险产品存在着产品体系不适应保险市场变化的需要；产品体系不一致；原条款存在一些亟待完善的问题；附加条款混乱；费率表“形同虚设”等问题。人保针对这些问题，提出了建立统一产品体系和“小主险，大附加”的设计思路，增加了产品的灵活性和适应性，从技术上确保了能够满足客户个性化的需要。最终形成了一套规范、先进、完备的条款体系和科学、灵活、动态的费率体系。

Today＇s corporate property insurance products in China have a number of problems such as product range unfitting to market demands, inconsistent product range, chaotic riders, ＂nominal＂ premium schedule, and so on. In response to these problems, PICC initiated a new thought of product design on establishing uniform product range and a ＂small primary plan with a big rider＂. This increased flexibility and adaptability of insurance products, provided a technical guarantee on meeting customer＇s individualized needs, and finally, engendered a set of standardized, advanced and complete product range and a scientific, flexible and dynamic premium schedule system.