近年来,保险监管部门为我国保险事业的发展在产品创新方面做了大量的积极的指导和推动工作,如航空意外伤害保险(以下简称“航意险”)及投资型财产保险的产品创新。下面对这两种产品的创新实践与管理进行简要分析。航意险产品的改革实践与管理 航意险在寿险业务中所占份额很小,但由于它是效益性险种,市场竞争一直都 In recent years, the insurance regulatory authorities have done a lot of positive guidance and promotion on product innovation for the development of insurance in our country, such as aviation accident insurance (hereinafter referred to as “aviation insurance”) and product innovation of investment-based property insurance. The following brief analysis of innovative practices and management of these two products. Airline risk product reform practice and management Airline risk share in life insurance business is small, but because it is profitable insurance, market competition has always been