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中国保监会主席助理陈文辉说,在人身保险产品经历了从无到有、从少到多的快速发展过程中,暴露出以下四大主要问题: 一是自主创新明显不足。虽然目前我国人身保险产品形态比较安全,但不少公司产品开发的自主创新能力不强,简单模仿或照搬照抄国外产品,从语言、用词的生硬翻译到责任的简单照搬,使得一些产品出现“水土不服”的现象。
Chen Wenhui, an assistant chairman of the China Insurance Regulatory Commission, said that personal insurance products have experienced four major problems in their rapid development from scratch, from as little as possible to more, revealing the following four major problems: First, there is a clear lack of independent innovation. Although the current form of life insurance products in our country is relatively safe, many companies lack the ability of independent innovation in their product development. They simply imitate or copy their foreign products. From the blunt translation of words and terms to the simple copying of responsibility, some products appear “ Acclimatized ”phenomenon.