保险产品的发展和创新离不开市场需求、市场供给、制度环境和技术进步等四大因素的综合影响。笔者认为,我国寿险产品发展和创新,在经历了技术创新、渠道创新阶段以后,抓住保险需求的牛鼻子,大力推动寿险产品发展和创新,将是目前和未来一段时间内产品发展的主要方向。 The development and innovation of insurance products are inseparable from the combined effects of the four major factors of market demand, market supply, institutional environment and technological progress. The author believes that after the development and innovation of life insurance products in China, after experiencing the stage of technological innovation and channel innovation, it is the main direction for the development of products at present and in the future to grasp the demand for insurance products and vigorously promote the development and innovation of life insurance products.