一、我国保险业产品的创新能力综观我国保险产品市场现状 ,保险业产品创新能力不高是一个不容忽视的事实 ,主要表现在以下方面 :(一 )产品创新相对滞后 ,市场有效供给不足 ,不能满足人们多样化的需求虽然我国保险业发展迅速 ,但同时也存在保险产品有效供给不足的问题。在保险发 First, the innovative ability of China’s insurance products Looking at the current situation of China’s insurance products market, insurance product innovation ability is not high is a fact that can not be ignored, mainly in the following aspects: (A) the relative lag in product innovation, the market is insufficient supply, can not Meet the diverse needs of people Although the rapid development of China’s insurance industry, but also the existence of effective insurance products insufficiency. In the insurance hair