摘要
在我国保险行业取得巨大发展成绩的同时,应该清醒地认识到,与发达国家相比,我国保险行业仍然不够成熟完善,依然存在保险意识相对薄弱、保险产品同质化竞争严重、渠道成本偏大、保险业整体效率偏低、保险服务模式较为落后等亟待解决的“痛点”,这些“痛点”长期积压且得不到有效缓解,势必会对我国保险行业未来的健康稳定发展带来不良影响。以人工智能为代表的现代信息技术给我国保险行业带来了巨大的机遇和挑战。人工智能技术已逐渐成为保险行业发展的核心驱动力,同时也对保险公司展业、数据治理、金融消费者权益保护、人才与技术应用等领域提出了更高、更新的要求。鉴于此,在梳理、分析我国保险行业发展现状与“痛点”的基础上,研究探讨人工智能背景下保险行业发展相关问题有很强的理论意义和现实价值。
China’s insurance industry has made great achievements,but it should be clearly recognized that China’s insurance industry is still immature,with relatively weak insurance awareness,serious homogenization of insurance products,high channel costs,low efficiency and relatively backward service mode.The long-term backlog of these“pain points”will inevitably have a negative impact on the future healthy and stable development of China’s insurance industry.Huge opportunities and challenges have been brought to China’s insurance industry by artificial intelligence which has gradually become the core driving force for the development of the insurance industry.At the same time,it also puts forward higher and newer requirements in the fields of insurance company development,data governance ability,financial consumer protection,talent and technology applications.In view of this,on the basis of reviewing and analyzing the status quo and“pain points”of China’s insurance industry,researching and discussing issues related to the development of the insurance industry under the background of artificial intelligence has strong theoretical significance and practical value.
作者
赵大伟
杜谦
Zhao Dawei;Du Qian
出处
《金融理论与实践》
北大核心
2020年第12期91-100,共10页
Financial Theory and Practice
关键词
保险研究
人工智能
保险科技
insurance research
artificial intelligence
insurtech
作者简介
赵大伟(1983-),男,浙江诸暨人,经济学博士,副研究员,研究方向为金融科技、监管科技;杜谦(1996-),女,河北邢台人,经济学硕士,研究方向为金融科技。
