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作 者:吴文娟 Wu Wenjuan(China Post Group Corporation Limited Lichuan Branch,Hubei Province,Enshi,Hubei,445400)
机构地区:[1]中国邮政集团有限公司湖北省利川市分公司,湖北恩施445400
出 处:《市场周刊》2025年第3期84-87,共4页Market Weekly
摘 要:随着现代保险产品管理以及创新发展速度的加快,为更好地推动管理分析效能,需要全面解读保险产品创新与保险监管效率,实现经济学的全面分析。研究探讨了保险产品创新与保险监管效率之间的经济学联系,分析了保险产品创新如何推动保险公司风险管理能力的提升,并成为新的业务增长点,同时也讨论了这种创新对保险监管带来的挑战。通过对均值—方差分析工具的应用,研究探讨了保险产品创新对保险公司经营有效边界的影响,并对保险产品创新背景下的保险监管效率进行了度量。With the acceleration of modern insurance product management and innovation development,in order to better promote the efficiency of management analysis,it is necessary to comprehensively interpret the innovation of insurance products and the efficiency of insurance supervision,and realize a comprehensive analysis of economics.This study discusses the economic link between insurance product innovation and the efficiency of insurance regulation,analyzes how insurance product innovation promotes the improvement of the risk management ability of insurance companies and becomes a new business growth point,and also discusses the challenges brought by this innovation to insurance regulation.By applying mean-variance analysis tools,this study analysis the impact of insurance product innovation on the effective boundary of insurance companies,and measures the efficiency of insurance regulation in the context of insurance product innovation.
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