摘要
随着互联网金融、科技创新的不断进步,金融与科技的融合发展在我国金融体系中发挥了重要的作用,金融科技已经成为“推动金融转型升级的新引擎”“金融服务实体经济的新途径”“促进普惠金融发展的新机遇”和“防范化解金融风险的新利器”。其不但能提高金融服务效率、扩大金融服务规模、降低运营成本、加强风险管控能力,还能不断提升金融数据的获得、存储、操作和可视化管理水平。本文从大数据和区块链两个角度分别研究了金融科技对保险精算发展的影响及应用,并分别从保险业和监管机构两个维度提出重构商业模式、重视上下游产业、建设知识网络创新体系、提高监管能力、完善监管制度、推进行业自律等建议,以期提升金融科技在保险精算领域的保障应用。
With the continuous progress of Internet finance,science and technology innovation,the integrated development of finance and science and technology has played an important role in our financial system.Financial science and technology has become a"new engine to promote financial transformation and upgrading","a new way to serve the real economy","a new opportunity to promote inclusive financial development"and"a new weapon to prevent and defuse financial risks".It can not only improve the efficiency of financial services,expand the scale of financial services,reduce operating costs,strengthen the ability of risk control,but also continuously improve the level of access,storage,operation and visual management of financial data.This paper studies the influence and application of financial science and technology on the actuarial development of insurance from the perspective of big data and block chain,and puts forward some suggestions from the two dimensions of insurance industry and regulatory agency,such as reconstructing business model,attaching importance to upstream and downstream industries,building knowledge network innovation system,improving supervision ability,perfecting supervision system and promoting industry self-discipline,etc.,in order to enhance the guarantee application of financial science and technology in the field of insurance actuarial.
作者
郭静
GUO Jing(Tianjin College of Commerce,Tianjin 300350)
出处
《天津商务职业学院学报》
2021年第2期14-20,共7页
Journal of Tianjin College of Commerce
关键词
金融科技
保险精算
大数据
区块链
financial technology
actuarial insurance
big data
block chain
作者简介
郭静(1976-),女,汉族,河北省保定人,天津商务职业学院金融学院副教授,研究方向:银行保险。
