2011 年第4 期 非寿险市场产品创新 “大”、“小”创新并存
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There is much more to innovation in non-life insurance than people think. Although a changing environment continuously forces the industry to rethink its covers, insurers are often perceived as slow to embrace product innovation. This is because the nature of innovation in insurance is usually incremental and transaction-led. Insurers are constantly trying to discover new classes of risk protection, but they always need to be cautious not to overstep the boundaries of insurability.