| Liability insurance, as the major part of non-life insurance, has many social management functions, such as supporting the development of the national economy, maintaining the stability of society, as well as safeguarding people's lives, wealth and property. Liability insurance plays an important role of keeping the national economy under a high growth rate, as well as building a harmonious socialist society.The liability insurance in China started in the 1980s, now the liability insurance is still in the primary step. Compared to the Western countries, there are great differences in the operating environment, the type of product and insurance income. The liability insurance doesn't play the important role on the development of China's economics still. The insurance income in our country increases gradually in recent years, but compared to the overall property insurance income, it occupies smaller proportion of the income. From the year of 2001 to 2006, the share of the liability insurance in the property insurance income is about 4% generally (exclude three types insurance to the motor vehicle), there is great difference compared to the international average level of 10%. In the developed countries, liability insurance occupies more than 20% of the property insurance generally, some countries even occupy 40%, America occupies the share to the 45%. Now, there are 4 hundred types product in the liability insurance market. On the whole, these products can not adapt to the individual and entity's requirement better. Therefore, firstly, we should set up the creative liability insurance mode that is lead by the social requirement, and develop individual liability insurance product according to the real requirement of different industry, entity and area; secondly, we should attach importance to the development of traditional insurance, meanwhile, we should also develop new liability insurance area, design comprehensive product further.This thesis focuses on the creative product of liability insurance, and analyses the situation and problem of the liability insurance in China. According to drawing on the liability insurance experience of developed countries such as USA and Japan, this thesis put forward the suggestion to improve the creative system of liability insurance in China. There are five parts in this paper, the basic concept and structure is as follows:The introduction is about the purpose and significance of the thesis, the search of the oversea situation, the content and method of the search, the character and weakness of the thesis.The first chapter introduces the development of the liability insurance and the analysis of product innovation. There are three sections in this chapter: in the first section, I introduce the origin and development of liability insurance oversea, the development of the liability insurance in China, review the main liability insurance category during the development of the liability insurance oversea, introduce the development course of liability insurance, and analyse the development situation in China; in the second section, I introduce liability insurance innovation, according to analysing the product character of insurance, I make the definition of the product innovation and analyse the direction of innovation; in the third section, I analyse the necessary and problems of insurance product innovation, and the change and competition of market demand make the insurance company innovate on insurance product.The second chapter analyses the factor and practice driving the liability insurance product innovation. There are two sections in this chapter: in the first section, I analyse the factor that drives the liability insurance product innovate, including active and passive factor, the demand of the liability insurance market and the active push of government are the creative promotion of liability insurance product, while the restraining factor are mainly imperfect legal environment, unreasonable market structure, the market risk the liability insurance faces, not enough protection to intellectual property of liability insurance, imperfect management system, lacking of scientific product innovation system and professional persons; in the second section, I analyse the practical methods of liability insurance product innovation taking China-insurance, Tianan and Meiya for instance.The third chapter introduces the development situation of developed countries and the revelation to our country's liability insurance product innovation. There are three sections in this chapter: in the first section, I introduce the development status of liability insurance in USA, including civil infringement system and liability insurance crisis in USA, and introduce the main category of American liability insurance further; in the second section, I introduce the development status of liability insurance in Japan, according to introducing the market status of liability insurance, I present the main contents of liability insurance in Japan, and analyse the liability insurance character; in the third section, I investigate the revelation that America and Japanese development give to our country'liability insurance product innovation.The fourth chapter discusses the method to improve the product innovation system of liability insurance in China. In this chapter, to the problems of liability insurance product innovation and the development experience of liability insurance oversea, I propose the method to improve product innovation system from microeconomic, middle-economic and macroeconomic. In the first section, I analyse the reason from microeconomic level that the insurance company should set up product innovation system with the demand as the orientation, strengthen the training to professional staff, improve the supplementary work to the product innovation and play the important role of insurance agency in product innovation process; in the second section, I suggest to strengthen the function of insurance industry organization from middle-economic, then play the role of organization in market research, insurance publicity, staff training, information communication and policy coordination, and create better outside environment for liability insurance product innovation; in the third section, I introduce the measures that the government and supervision in liability insurance product innovation, including improving relevant laws, setting up and improving supervised system and strengthening the protection to intellectual property of product innovation.The thesis is organized by general logic, the individual chapter is correlated and complementary with each other, it not only pays great attention to theory research, but also poses the solution to solve Chinese practical problems from general theory search by case analysis, comparison analysis, making use of insurance and enterprise management information. The creative points in the thesis are: firstly, our experts have done much research to insurance product innovation, but paid less attention to liability insurance product innovation, compared to other type of insurance, the thesis discusses the product innovation combined with specific feature of liability insurance, and refers the information facing all subjects of the insurance market; secondly, the thesis analyze the factors effecting the liability insurance product innovation, implemental situation and problems existed, according to learning the liability insurance product innovation experience from developed countries, the thesis proposes measures to improve our country's liability insurance product innovation system from microeconomic, middle-economic and macroeconomic levels.Liability insurance product innovation is not only a hot topic but also a difficulty. Therefore the thesis choose the liability insurance product innovation as the topic, according to analysing deeply the product innovation development and the problems of liability insurance existed in China, it explores the suitable innovation system of liability insurance for our country. |
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