中国保险市场金融工具创新与配置研究

保险市场金融工具创新与配置的实质是创造性地融合各种保险工具和其他金融工具来满足人们在保险和金融、财务等方面的各种需求。实现我国保险市场金融工具的有效创新与配置，必须从4个方面努力处理好外延式发展与内涵式发展的关系；重视发展资本市场，实现保险投资的多元化；跟踪世界保险业银保业务融通的趋势，适时出击；加紧培养一批综合性的专业人才。

Financial Instruments of Insurance Market in China:Innovation and Design

In essence, innovation and design of financial instruments in Chinese insurance market is to syncretize diversified insurance instruments and financial instruments creatively to satisfy different demands in insurance, finance and financial affairs. To achieve this purpose, we must focus on four aspects:to deal with the relationship between denotative development and connotative development in insurance properly; to attach more importance to develop capital market so as to actualize diversified insurance investment; to tail after the bank-insurance tide of world insurance; to train a lot of all-round professionals in time.