一、我国保险创新的必要性 首先,保险创新是适应社会主义市场经济发展的需要,在市场经济条件下,保险企业将受到行业内部及行业外和外资保险机构等多方位的强有力的竞争,竞争的目标是争夺市场的占有率。保险公司要想在业务竞争中取得优势,必须在经营传统的资产与负债 First, the necessity of China’s insurance innovation First of all, insurance innovation is to meet the needs of the development of socialist market economy, under the conditions of a market economy, insurance companies will be multi-faceted strong competition within and outside the industry and foreign insurance agencies, The goal of competition is to compete for market share. Insurance companies in order to gain an advantage in business competition, must operate traditional assets and liabilities