| 我国保险科技发展现状、问题与对策——基于保险科技赋能高质量发展视角 |
| |
| 引用本文： | 周雷,蔡佩瑶,刘婧.我国保险科技发展现状、问题与对策——基于保险科技赋能高质量发展视角[J].苏州市职业大学学报,2020(2):41-48. |
| |
| 作者姓名： | 周雷 蔡佩瑶 刘婧 |
| |
| 作者单位： | 苏州市职业大学商学院;东南大学经济管理学院 |
| |
| 基金项目： | 国家教育部人文社会科学研究青年基金项目(19YJCZH272);江苏省保险学会应用研究获奖课题(SBX2019-4-B-01);苏州市科协软科学研究A类重点项目(苏科协[2019]75号)。 |
| |
| 摘 要： | 随着人工智能、区块链等前沿技术的应用,我国保险科技迅速发展。它已经成为传统保险机构转型升级,新兴互联网保险公司创新发展以及互联网巨头布局保险业的重要技术驱动力。但是,保险科技在发展中也存在着一些风险和挑战,有必要通过分析保险科技生态系统的底层技术、创新主体、业务场景和主要功能之间的内在联系,探索保险科技赋能保险业高质量发展的实现路径。在底层技术的支撑下,各类保险科技主体积极推动保险与科技深度融合,开发出契合保险消费者和实体经济需求的业务场景和创新产品,同时显著提升了保险业的发展质量、管理效率和服务能力。要进一步发挥保险科技的赋能作用,需要高度重视新技术应用可能出现的新型风险,构建适应保险科技特点的监管体系,实现鼓励创新与风险防范的平衡;同时积极培养保险科技复合型人才,加大产学研协同创新力度,为保险科技助力保险业高质量发展提供智力支撑。
|
| 关 键 词： | 保险科技 高质量发展 人工智能 区块链 金融科技 |
Status,Problems and Countermeasures of InsurTech in China:From the Perspective of InsurTech in Promoting High-quality Development of the Insurance Industry |
| |
| ZHOU Lei,CAI Peiyao,LIU Jing.Status,Problems and Countermeasures of InsurTech in China:From the Perspective of InsurTech in Promoting High-quality Development of the Insurance Industry[J].Journal of Suzhou Vocational University,2020(2):41-48. |
| |
| Authors: | ZHOU Lei CAI Peiyao LIU Jing |
| |
| Institution: | (School of Business,Suzhou Vocational University,Suzhou 215000,C hina;School of Economics and Management,Southeast University,Nanjing 211189,China) |
| |
| Abstract: | With the application of AI,blockchain and other technologies,InsurTech has developed rapidly in China.Traditional and internet insurance companies are undergoing transformation and upgrading,while the internet giants are entering insurance market with the help of InsurTech.However,InsurTech has also faced some risks and challenges.It is necessary to analyze the relationship among technologies,objects,scenarios,and functions of InsurTech ecological system to explore the realistic path of InsurTech to promoting high-quality development.Supported by the integration of technologies and insurance,varies scenarios and innovative products meeting the demands of customers and the real economy have been developed.These customized products have significantly improved the development quality,management efficiency and service capacity of the insurance industry.In order to further strengthen the empowering functions of InsurTech,new risk brought by new technologies deserve more attention.A regulatory system suiting characteristics of InsurTech should be built to balance innovation encouragement and risk prevention.Meanwhile,compound talents cultivation and CEEUSRO in the field of InsurTech should be actively promoted to provide intellectual support for high-quality development of the insurance industry. |
| |
| Keywords: | InsurTech high-quality development artificial intelligence blockchain FinTech |
| 本文献已被 维普 等数据库收录！ |
|
