“现在中国保险业在产品、服务方面缺乏最基本的行业标准。”中央财经大学保险系主任郝演苏认为。“举个例子来说,现在彩电、手机、汽车每种产品都有基本的行业标准。消费者在选择这些产品时,只要考虑不同的品牌型号以及是否需要一些附加功能即可。比如彩电,只有21寸、25寸等型号,消费者花了钱就不用担 “Now China’s insurance industry lacks the most basic industry standards in products and services.” According to Hao Yan, director of the insurance department of the Central University of Finance and Economics. "For example, for now, every product in color TV sets, mobile phones and automobiles has basic industry standards. Consumers choose these products by considering different brand models and whether they need some additional functions. For example, color TV sets 21-inch, 25-inch models, consumers do not have to spend money on