节能保险产品创新  

Energy-saving insurance product innovation

作　　者：赵明岚[1] 邱剑 

机构地区：[1]中国人民大学,北京100872 [2]中华联合财产保险股份有限公司深圳分公司,广东深圳518031

出　　处：《保险研究》2009年第3期61-65,共5页Insurance Studies

摘　　要：随着我国能源消耗规模的日益加大,国家对节能的需求越来越紧迫,为节约能源消耗寻找推广节能新技术的应用途径已成为将来很长一段时间内的重要发展趋势。开发节能保险产品既能起到加快国家节能的步伐,又能开辟出保险的蓝海市场。通过市场调查,本文从节能行业分类和节能新技术推广项目的风险分析入手,研究设计了具有商业操作性的节能保险创新产品,并对其风险管控的策略进行了探讨。节能保险产品将具有较强的生命力和巨大的市场潜力。With the growing scale of energy consumption, China has a strong urgency to save on energy. Searching for new application pathways to conserve energy will become an important development trend in the long run. Developing energy-saving insurance products will not only accelerate energy conservation efforts, but also create a potential insurance market. Through market survey, this article analyzed the classification of the energy saving industry and the practical risks of new techniques, studied new energy-saving insurance products with high commercial operability, and investigated the tactics of risk management. Energy-saving insurance products have gained a favor- able response in the market, and will have a strong vitality and a huge market potential.

关 键 词：产品研发 节能 保险创新 

分 类 号：F840.65[经济管理—保险]