摘要
保险科技正在全球范围内颠覆并重塑传统保险业的发展。随着云计算、大数据、人工智能、物联网和区块链等主流技术的普及和应用,保险科技促使更多的经营主体涌入保险生态,通过引领保险需求创新,重塑保险消费市场;通过新技术的应用,重塑保险业的运营生态。此外,保险科技还有助于促进保险行业“补短板”,并助推普惠金融服务的实现。在肯定保险科技积极重塑保险业的同时,应重点关注并解决保险科技提质增效的效率评估问题、获取并使用客户数据的合法合规问题、数据的可靠性和准确性问题、定价与承保的公平性和非歧视性以及保单可持续性问题。
Insurance technology is currently disrupting and reshaping the development of the traditional insurance industry.With the widespread acceptance and application of mainstream technologies such as cloud computing,big data,artificial intelligence,Internet of Things,and blockchain,insurance technology has encouraged more business entities to join the insurance ecosystem in droves,reinvent the insurance consumer market by leading insurance demand innovation,and reshape the operational ecology of the insurance industry through the application of new technologies.In addition,insurance technology can also helpu make up for the shortcomingsM of the insurance industry and boost the realization of inclusive financial services.While recognizing the contribution of insurance technology in actively reshaping the insurance industry,it is also important to focus on and address various issues,such as efficiency evaluation in improving the quality and efficiency of insurance technology,legal compliance in the acquisition and use of customer data,data reliability and accuracy,fairness and non-discrimination in pricing and underwriting,and policy sustainability.
作者
王媛媛
Wang Yuanyuan(School of Insurance,Guangdong University of Finance,Guangzhou,Guangdong 510521,China;School of Insurance,Southwestern University of Finance and Economics,Chengdu,Sichuan 611130,China)
出处
《金融经济学研究》
CSSCI
北大核心
2019年第6期29-41,共13页
Financial Economics Research
基金
教育部人文社会科学研究青年基金项目(16YJC840024)、广东省科技厅项目(2016A080802007)。
关键词
保险科技
云计算
大数据
人工智能
区块链
insurance technology
cloud computing
big data
artificial intelligence
blockchain
