The innovation of insurance sort is the important strategy of Chinese insurance company to maintain the leading status,also to establish the basic way on the brand effect and being the main met.

The source of innovation risk is then analyzed.

This article has carried on the analysis of the scientific instrument product innovation from innovation source, innovation process and innovation risk and so on, and points out that the innovation of leading user is the dominant character of the scientific instrument product innovation.

Resarch on the Insurance Innovation and the Core Competence of Chinese Insurance Companies;

Insurance Innovation and Innovative Life Insurance──“Unit-Linked”;

To enhance insurance innovation and therefore propel rapid development of the insurance industry,we should step up eftorts on innovation of insurance theories,insurance mechanism,insurance management,insurance products,insurance services and insurance regulation.

However, technological innovation coexists with venture in these days, and innovation venture has become one of the important factors to hamper technological innovation.

This paper analyses innovative risk and technological types,the two main factors affecting the oligarchic enterprises\' choices of technological innovation models and provides a comprehensive decisionmaking matrix based on these two factors.