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随着保险市场的逐步成熟 ,保险业的发展逐步趋缓 ,要进一步促进使保险业的发展 ,开发出合适的保险产品是最重要的。总结保险业走过的历程 ,新产品开发呈现出新的发展趋势 :由“险种同构”向“险种细分方向发展”;由“占领市场”向“创造市场”发展 ;保单将由统一的固定格式向专门为客户设计的保单转变 ;险种开发要适应电子商务的发展。
With the gradual maturity of the insurance market, the development of the insurance industry is gradually slowing down. It is of utmost importance to further promote the development of the insurance industry and develop suitable insurance products. Summarizing the course of the insurance industry, the development of new products shows a new trend of development: from “insurance isomorphism” to “diversification of insurance coverage”; from “occupation of the market” to “creation of the market”; and the policy will be replaced by a uniform fixed Format to the insurance policy designed specifically for customers change; insurance development to adapt to the development of e-commerce.