论文摘要翻译，请高手们救急，拜托了！！

金融危机形势下我国保险产品的创新性研究
The situation of China's insurance products under the innovative research

摘要：2008年爆发了“百年难遇”的全球金融风暴。本文从整个中国保险业在此次金融危机中受到的影响出发，通过一系列精确的数据，提出因为保险产品创新在行业的创新过程中也占有重要地位，所以要应对当前的金融危机形势，应该首先从保险产品的创新着手，继而重点剖析了保险产品创新的背景。然后从影响我国人身保险产品创新的内、外部因素两个角度诠释了当前我国保险创新型产品的现状，其中结合了国家的政策法令以及前段时间突然盛行的“猪流感”突出外部因素的影响。接下来，联系当前的金融危机形势剖析了我国保险产品创新的挑战以及发展机遇，最后提出了促进当前我国保险创新型产品发展的对策：加快研究风险保障型保险产品和长期储蓄型保险产品以及走专业化细分的道路，在这过程中还要不断地调整产品结构，推出新产品才能进行自救。
Abstract: The 2008 outbreak of the "Difficult to encounter a hundred years." the global financial turmoil. In this paper, the whole Chinese insurance industry in the financial crisis affected the starting, through a series of accurate data, the insurance product innovation because the innovation process in the industry also occupies an important position, there is a need to deal with the current situation of financial crisis, it should be First of all, from the insurance product innovation and then focus on the analys