广东保险产品供求状况与创新对策

广东地处沿海经济发达地区，经济发展水平与消费水平较高，与中西部相比，广东保险需求具有高水平、宽领域、多元化的特征，但广东保险产品供给存在产品单一、产品雷同、结构不合理等问题，同时由于资本市场环境的制约和金融工具的缺乏，新型产品的风险无法有效化解?为此应建立完整的保险产品体系，调整产品结构，发展金融衍生产品等，以扩大广东保险产品的有效供给，满足广东社会经济发展和人民群众多样化、多层次的保险需求，发挥现代保险经济补偿、融通资金和社会管理的功能，为广东率先基本实现现代化保驾护航。

Analysis of the Insurance Product Supply-&-Demand in Guangdong

With a faster economic development and higher consumption level, Guangdong Province, compared with the central and western regions, are characterized with diversification and broad ranges in its insurance demands. However, its insurance supply tends to be structurally simple, which will fail to prevent the financial risks arising from new types of insurance products on account of the lack of effective financial instruments. The paper suggests that a perfect system of insurance products be established with well-structured financial derivatives and supplies so as to meet the market demand and exercise the functions of financing and insurance economic compensations.