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一、制约保险产品创新的因素1.保险产品自身的特殊性制约保险产品的创新保险产品创新容易产生新的市场风险。保险产品是一种不能预见,不能用五官直接接触到的特殊消费。客户只能依靠对保险公司信誉以及保险人对产品的介绍程度和直接宣传力度,依赖它的服务信息能否有效的为大众
First, the factors that restrict the innovation of the insurance products 1. The particularity of the insurance products restricts the innovation of the insurance products The innovation of insurance products tends to create new market risks. Insurance products is a kind of unpredictable, can not be used directly to the facial features of special consumption. Customers can only rely on the credibility of the insurance company and the insurer’s degree of introduction of the product and direct publicity, depending on whether its service information can be effective for the public