“保险姓保”与寿险产品创新

On the Essence of Insurance and Innovation of Life Insurance Products

随着各种环境政策的不断优化,全民保险意识进一步增强,寿险行业的发展已经进入了全新时代,同时近几年互联网保险的发展,使社会大众对保险的需求也越来越强烈。然而,机遇和挑战是并存的,寿险行业在前期快速发展过程中所积累的问题,在当下集中显现,会影响进一步开放后的内资险企在中国市场的竞争力。新形势下,如何进行寿险产品创新,跟上时代发展的脚步?本文阐述了我国自1996年以来的寿险产品发展史,结合当下的监管政策及市场需求分析,以大众最为关注的健康险和养老险为例,提出了寿险产品创新的一些思路。

With the continuous optimization of various environmental policies,the awareness of national insurance has been further enhanced.The development of the life insurance industry has entered into a new era.At the same time,the development of internet insurance in recent years has made the public demand for insurance more and more intense.However,opportunities and challenges coexist.The problems of the life insurance industry accumulated in the early stage of rapid development are exposed presently.All these problems will affect the competitiveness of domestic insurance companies in the Chinese market after further opening.Under the new situation,how to carry out life insurance products innovation and keep up with the development of the times?This paper expounds the history of life insurance products development in China since 1996.Combined with the current regulatory policies and market demand analysis,taking the health insurance and endowment insurance that are most popular as examples,this paper puts forward some ideas for life insurance product innovation.