文档介绍：保险创新与风险防范研究
王文祥
(中国人寿保险(集团)公司博士后工作站,北京 100035)
[摘要]我国保险业自 20 世纪 80 年代初期恢复以来,一直保持着较快的发展速度,在
保险业的持续高速增长中,保险创新发挥了巨大的推动作用。不过,中国保险业的创新行为
并不是一种原创性的创新,而是一种模仿性、吸纳性创新,保险业迈向市场化的任何一步通
常都被看作是一种创新。这也显示出中国保险业的相对弱势。面对经济全球化、信息一体化
的趋势,以及国内保险市场的国际化竞争格局,同外资保险业相比,我国保险业的创新能力
明显不足,风险防范乏力。中国保险业要想做大做强,并在日益激烈的市场竞争中立于不败
之地,惟有进一步加强创新。
[关键词]保险业;创新;风险防范
[中图分类号] [文献标识码] A [文章编号]1004-3306(2005)11-0026-03
Abstract: China’s insurance industry has been experiencing rapid development
since it was resumed in 1980s, in which insurance innovation acts as the driving
force. But, the innovation is not a pattern of pristine innovation, but an innovation
based on imitation and absorbability, and every step toward the market oriented
operation is regarded as innovation, which shows parative disadvantages of
China’s insurance industry. The trend of economic globalization, information
integration and the internationalization of domestic insurance market give
prominence to the weakness of innovation ability and risk prevention ability of
China’s insurance industry, especially paring with foreign insurance
companies. To get bigger and stronger and not been washed out by furious
petition, China’s insurance industry’s only choice is to strengthen its
ability of innovation.
Key words: insurance industry; innovation; risk management
一、我国保险业创新的现状
(一)保险功能的创新
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