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刘翔的天价保单作为一种炒作的噱头,并不能掩盖我国保险业在产品创新上与西方国家的巨大差距。到目前,我国保险市场日益凸显创新力能力不强,保险产品普遍同质化,保险市场有效供给不足,产品低水平竞争等问题。提高我国保险业产品创新能力急需解决好以下问题:建立险种创新保护机制;完善市场进入与退出机制,营造公平的竞争环境;通过保险业务流程再造,适当放权,构建适应市场需求的产品创新组织模式。
As a gimmick of speculation, Liu Xiang’s high price policy can not hide the huge gap between the insurance industry and western countries in product innovation. Up till now, the insurance market of our country has been increasingly highlighting the problems such as the weak ability of innovation, the universal homogeneity of insurance products, the insufficient supply of insurance market and the low-level competition of products. To improve the innovation ability of China’s insurance products urgently needs to solve the following problems urgently: To establish the innovation protection mechanism of insurance products; to perfect the mechanism of market entry and exit and to create a fair competition environment; To rebuild the insurance business process and appropriately delegate the power to build a product innovation organization mode .