中西方文化差异对我国保险产品开发的启示

为了提高我国保险业在国际市场的竞争能力而进行的保险产品的开发举足轻重。论文主要运用事实分析和理论推导的方法，从现阶段我国保险产品的开发入手，仔细分析我国保险产品开发中的保险开发意识不足、险种开发程度低等现状，提出在保险产品开发中存在的问题，再根据文化差异论和需求供给论推导出的地区需求差异化理论，探讨中西方文化差异对我国保险产品开发的有利影响和不利影响，最后作出归纳和总结，分别向我国保险行业和国家保险机构提出中西方文化差异对我国保险产品开发的建议。
关键字：保险产品，开发，文化差异，启示

Chinese and western cultural difference to our country insurance product development enlightenment
Abstract: In order to improve the insurance industry in the international market competition ability of the insurance product development the balance. Thesis mainly with the fact analysis and theoretical derivation method, from insurance product development at present in China, with a careful analysis of the development of our country insurance product development consciousness insufficiency, the insurance planted low level of the development present situation, proposed insurance products in the problems existed in the development of, again according to the theory of cultural differences and the demand of the supply is deduced in theory needs differentiation, this paper discusses the differences between Chinese and western culture of China's insurance product development of the beneficial effects and negative influence, and finally make summed up to the insurance industry and in our country were proposed national insurance agency culture differences to our country insurance product development Suggestions.
Key word: insurance products, development, cultural differences, revelation

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