保险企业创新能力及其培育途径探讨

Approaches of Innovation Capability Cultivation for Insurance Companies

当前我国保险业的持续健康发展需要依靠保险企业良好的创新表现,但实践表明,我国保险企业的创新表现并不理想。解决这一重大问题的根本方法,在于培育保险企业创新能力。保险企业真正的创新能力依赖于保险企业组织内部系统的变革,其中最主要的是对企业领导、企业文化、组织和流程、信息科技、顾客战略、绩效评估等6个方面进行有针对性的改革和建设。另外,政府和相关行业组织应当致力于完善保险市场、提高监管水平和创立国家保险创新体系等以促进保险企业创新能力的培育及发挥。

Sustaining development of insurance industry of China relies heavily on innovations of insurance companies which haven＇t behaved so well in the past years. So, insurance companies need to strengthen innovation capability to improve innovation level. This essay points out that insurance companies＇ innovation capability cultivation should set focus inside the company, and reform and improve from six aspects, which are company leadership, company culture, organization structure and process, information technologies, client strategies, and performance evaluation. Besides, government and related industrial organizations should contribute to perfect markets, elevate supervision and set up national insurance innovation system to facilitate cultivation and functioning of insurance companies＇ innovation capability.