新时代我国互联网保险市场新产品开发滞后原因及对策

An Analytical Study and Countermeasures for New Product Underdevelopment in China's Internet Insurance Market in the New Era

在"互联网+"浪潮推动下,我国互联网保险得到了快速发展,而新的保险产品开发滞后,产品同质化现象严重,已经无法完全满足广大群众多层次的需求。保险机构创新意识淡薄;缺乏新产品开发人才;产品开发及资源整合尚欠优化;互联网环境下道德风险有可能被放大。笔者建议保险机构提高创新意识;大力培养保险精算师;加强产品开发及资源优化力度;积极开发保险新险种,尤其尽快开发航空医疗救助保险产品和"老龄化"消费者需求产品;建立互联网保险投资者保护基金;消费者也要诚实守信,杜绝逆选择。

Under the impetus of the"Internet Plus"wave,China's Internet insurance has developed rapidly,while the development of new insurance products has lagged behind,and the homogenization of products is getting serious,and it has been unable to fully meet the needs of the masses.Insurance institutions have a weak sense of innovation;Lack of new product development talents;Product development and resource integration are still under-optimized;The moral hazard in the Internet environment may be magnified.The author suggests that insurance institutions should raise their awareness of innovation.vigorously cultivate insurance actuaries;strengthen product development and resource optimization;actively develop new insurance products,especially aviation medical assistance insurance products and"aging"consumer demand products;establish an Internet insurance investor protection fund;Consumers should also be honest and trustworthy,and avoid adverse selection.