保险创新研究.PDFVIP

保险创新研究 丁孜山 陶红 （保险职业学院，湖南 长沙 410114） ［摘要］要加强保险创新并以此推动保险业的快速发展，应加大保险理论、保险体制、 保险管理、保险产品、保险服务、保险监管的创新力度。要围绕经济社会生活、发展政策和 城乡居民消费习惯，加大保险产品创新力度，引导保险产品从卖方市场向买方市场转变，形 成以社会需求为导向的保险产品创新体系；要转变服务观念，创新服务手段，改革服务体制， 通过服务创新实现为客户提供满意服务与培养客户忠诚度的结合，通过服务创新为客户创造 价值；保险公司的经营管理具有风险的集中性、成本的后发性、产品的同质性、服务的广泛 性等特点，它决定了保险公司在快速发展保险业务的同时要加强管理，要不断进行管理创新， 以保证保险业持续发展。 ［关键词］保险创新；保险产品创新；保险服务创新；保险管理创新 ［中图分类号］ F840.32 ［文献标识码］ A ［文章编号］1004-3306 （2007）07-0010-04 Abstract ： To enhance insurance innovation and therefore propel rapid development of the insurance industry, we should step up eftorts on innovation of insurance theories, insurance mechanism, insurance management, insurance products, insurance services and insurance regulation. Centering on social and economic life, development policy and consumption style of urban and rural population, we are to innovate insurance products, steer insurance product development from being a seller market to a buyer market and create a new insurance product system oriented towards social demands. We should also change the service concepts, innovate on service methods, reform service mechanism, provide satisfactory client services and enhance customer loyalty through service innovation. The operation of insurance companies is characterized by risk concentration, back　 end costs, homogeneity of insurance products, and extensive customer services, etc. These characteristics determine that insurers should strengthen internal management and seek management innovation consistently when rapidly growing their businesses in order to maintain steady development of the industry. Key words：insurance innovation; insurance products innovation; insurance service innovation; insurance management innovation