但保险是一种无形产品（Intangible product），不能实时使用，也不能实时判断其功能和效用。更甚者，其影响不单涉及投保者本人（Living benefit），也影响投保人身后的问题。
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product intangible 商品无形化
Being intangible product with zero marginal cost, software's quality management is more difficult than physical product, and should place more focus on the process quality and process quality control.
软件是一零边际成本的无形产品，其质量管理要较实物产品的质量管理更难以进行，需要对过程质量及过程质量控制更加关注。
The Former is the supplying main body of competition service product, the latter is the supplying main body of intangible asset product.
前者是职业竞赛服务产品的供给主体，后者是无形资产类产品的供给主体；
Therefore, marketing outlet is not only a passage to realize the conversion of product value, but also the intangible assets of an enterprise.
因此营销渠道既是企业实现产品价值转换的通道，也是企业最重要的无形资产之一。
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