摘要
人工智能的发展对于保险法律规制提出了更高的冀望。人工智能在不同的发展阶段呈现的特性,主要为“财产性”和“类人性”。其对于保险合同法的影响在于对于保险合同工具性的完善和保险合同中人工智能体作为当事人主体地位的确立,并且在不同阶段对于保险合同中所规定的保险责任承担应该有所区别。同时在保险监管中,人工智能强大的计算和分析能力会造成保险监管的缺失,过度筛选被保险人而偏离保险的保障的目的。保险法有必要对于人工智能在保险上应用给予法律规范,建立审核、审查及纠错机制并举,形成人工监督与人工智能监督相结合的保险法监督规范,同时对于人工智能保险算法程序进行伦理的审查与保险行业自律的监督。
The development of artificial intelligence puts forward higher expectations for the legal regulation of insurance.The characteristics of artificial intelligence in different stages of development are mainly"property"and"quasi-human nature".Its influence on insurance contract law lies in the improvement of the instrumental nature of insurance contract and the establishment of artificial intelligence as the subject position of the parties in insurance contract,and the insurance liability stipulated in insurance contract should be different in different stages.At the same time,in the insurance supervision,the powerful calculation and analysis ability of artificial intelligence will result in the lack of insurance supervision,excessive screening of the insured and the deviation from the purpose of insurance protection.It is necessary for the insurance law to give legal specifications for the application of artificial intelligence in insurance,establish a combination of review,review and error correction mechanism and form an insurance law supervision standard combining artificial supervision and artificial intelligence supervision.At the same time,the insurance algorithm program of artificial intelligence should be reviewed ethically and the self-regulation of the insurance industry should be supervised.
作者
潘红艳
罗团
Pan Hong-yan;Luo Tuan(School of Law,Jilin University,Changchun 130012,China)
出处
《政法学刊》
2019年第6期43-56,共14页
Journal of Political Science and Law
基金
吉林大学研究生创新项目“人工智能时代的保险法审视”(101832018C115)
吉林大学种子基金项目“气候变化风险责任保险法律问题研究”(2016ZZ048)
吉林大学哲学社会科学横向项目“吉林省农村医生职业风险及法律对策实证研究”(2017[595]).
关键词
人工智能
保险科技
保险法
保险监管
保险合同
artificial intelligence
insurance technology
insurance law
insurance supervision
insurance contract
作者简介
潘红艳(1975-),女,吉林长春人,吉林大学法学院副教授,法学博士,从事民商法学研究;罗团(1992-),男,陕西商洛人,吉林大学法学院硕士研究生,从事民商法学研究。
