On The Legal Mechanism Of Innovation Of The Insurance Products

The insurance products are main carriers of the competition between the insurance companies , the development and innovation of the insurance products are sources of industry's development of the insurance and must be chosen. The constant growth of the public's insurance demand, swift and violent development of science and technology, and different risks to emerge in an endless stream , have all put forward the request for carrying on innovation of the insurance products. The innovation of the insurance products is a systemic project , need mutual cooperation of the insurance inner legal mechanism and external legal environment condition inside the trade. At present, though the innovation of the insurance products has already brought insurance enterprises' attention, because there are all sorts of problems , such as the police on entering and withdrawing from the insurance market , tax policy to the insurance of the country, protection dynamics , company's system , innovative fund and technical support inside insurance company of the new products ,etc. , cause the innovation of insurance products be hindered seriously, representing that insurance market lacking effective supply in products, and the repetitive rate of products high . To above-mentioned problems, not merely need country especially insurance supervision department take action rapidly, still require at the same time that the insurers (including insurance companies and insurance agency companies ) to adopt the practical and effective measure to solve too by oneself . This thesis proceeding with legal mechanism , propose to perfect the relevant legal system of the insurance, and to establish the solid legal foundation for the innovation of the insurance products. In order to achieve this goal , firstly should strengthen the inside legal mechanism , rules and regulations of the insurance company and the insurance agency , build up rational organization , scientific fund application mode , complete technical support system of company , offer powerful support for innovation of the insurance products ; Then we should also realize the optimization of the outside legal system environment of insurance , let the insurance supervisor afford the legal guarantee for the innovation of the insurance products, for exciting the innovative consciousness of the insurers and making them engaged in development and innovation of the insurance products on their own initiative.