目前我国保险市场竞争日趋激烈,但竞争层级较低。这一方面是我国保险业起步晚,一方面也是对保险产品创新保护的不足。保险产品作为智力活动的成果可以获得知识产权的保护。虽然传统观点认为保险产品作为商业方法不应得到专利权保护,但随着信息技术和金融业的发展,与一定技术相结合的商业方法开始被授予专利。对保险产品的专利权保护有利于深化竞争层级,鼓励创新。 At present, the competition in China’s insurance market is getting fiercer, but the competition level is lower. On the one hand, the insurance industry in our country started late, on the one hand it also lacks the protection of innovation in insurance products. As a result of intellectual activities, insurance products can be protected by intellectual property. Although the traditional view that insurance products should not be protected as a patent as a commercial method, with the development of information technology and financial industry, the commercial methods combined with certain technologies began to be patented. The patent protection of insurance products is conducive to deepening the level of competition and encouraging innovation.