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保险企业竞争的核心领域是保险产品的竞争。唯有创新,保险业才能顺应经济社会发展的要求,更好地发挥“社会稳定器”和“经济助推器”的功能。本文的创新模式是将私募股权基金的筹资运营模式引入保险产品的开发中来,其目的是解决保险产品前期的开发资金投入大以及开发出来易被其他保险公司免费分享等问题。在前期开发资金的募集时,由各个保险公司投资形成一个保险创新基金,专用于保险产品的开发。每个公司通过申请创新基金进行产品开发,产品成功上市后盈利部分进行分红或由一家公司将其买断,从而实现创新基金的退出以及资金的循环投资。
Insurance companies compete in the core area of insurance products competition. Only by innovation can the insurance industry conform to the requirements of economic and social development and better exert the functions of “social stabilizer” and “economic booster.” The innovative model of this paper introduces the fund-raising operation mode of private equity funds into the development of insurance products. The purpose of this paper is to solve the problems of large investment in development funds in the early stage of insurance products and the free development of other insurance companies. In the early development fund raising, by the investment of various insurance companies to form a insurance innovation fund, dedicated to the development of insurance products. Each company develops the product through applying for the innovation fund. After the successful listing of the product, the profit part makes a dividend or a company buys it, so as to realize the exit of innovation fund and the recycle investment of capital.