摘要
近年智能化保险科技广泛运用在互联网保险销售平台上,各家平台利用大数据来辨识客户,但是效果有限。部分平台并未落实认识你的客户任务(KYC),显示出监管体系效率有待提升。先进国家或地区已经开始要求金融业者要做到警示消费者谨慎购买保险的原则,然而目前的智能保险科技互联网平台并无法取得消费者谨慎程度的个性化数据,因此互联网保险平台的智能化个性销售还是着力在场景营销$在场景营销的引诱下,消费者普遍认为保险产品相对复杂,而且贪求方便的消费者具有风险容忍度相对较小,购买习惯较不谨慎,投资经验日数较短的特征,建议政府在监管沙箱制度设计深度学习测试机制,以便准确完成认识你的客户任务。
In recent years, intelligent insurance technology has been widely used in Internet insurance sales platforms. Each platform uses big data to identify customers, but the effect is limited. Some platforms have not implemented the KYC, which shows that the efficiency of the regulatory system needs to be improved. Advanced countries or regions have begun to require financial industry to warn consumers to buy insurance cautiously. However, the current intelligent insurance technology Internet platform can not obtain the personalized data of consumers’ prudence. Therefore, the intelligent personalized sales of Internet insurance platform still focuses on scene marketing. Under the temptation of scenario marketing, consumers generally think that insurance products are relatively complex, and consumers who are greedy for convenience have the characteristics of relatively small risk tolerance, less cautious purchasing habits and short investment experience days. It is suggested that the government should design a deep learning test mechanism in the supervision sandbox system, so as to accurately complete the task of understanding your customers.
作者
周林毅
ZHOU Lin-yi(Business College of Wuyi University,Wuyishan Fujian 354300,China)
出处
《科技和产业》
2020年第12期20-26,130,共8页
Science Technology and Industry
基金
福建省应用型慕课教学团队(SJTD201927)
武夷学院创新创业慕课教学团队(JG201913)。
关键词
互联网金融
互联网保险
场景营销
风险容忍度
internet finance
internet insurance
scenario marketing
risk tolerance
作者简介
周林毅(1978-),男,中国台湾人,武夷学院商学院保险学系,副教授兼任系主任,区域绿色经济发展研究中心研究员,台湾东吴大学财务工程与精算数学系硕导,台湾逢甲大学商学博士学程风险与保险领域博士,研究方向:风险管理与保险领域。
