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保险业的竞争使保险产品创新成为必然趋势,但保险产品创新有其可行性边界,面临利润边界、技术边界、法律边界.道德边界的约束。空缺创造式创新、重组式创新、保险产品的柔性化生产等都是保险产品创新的途径选择。要实现保险产品的柔性化生产,就要树立柔性生产的观念、具备完备的基础数据、建立完善的精算模型、辅以高效的监管手段,做好储备数据资料、设计控制软件、建立精算模型等工作。
The competition in the insurance industry makes the innovation of insurance products an inevitable trend. However, the innovation of insurance products has its feasibility border and confronts the boundary of profit, technology, law and morality. Vacancy creation innovation, recombinant innovation, flexible production of insurance products are all ways to create insurance products. To achieve the flexible production of insurance products, we must establish the concept of flexible production, complete with basic data, establish and improve the actuarial model, supplemented by efficient regulatory instruments, make good data of reserve data, design control software and establish actuarial models jobs.