新闻
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China

保险科技思享汇:保险科技的未来已来

2017-09-12 16:59:25   中国经济网

科技正在重塑我们所认识的保险行业,但显而易见,人工智能成为每位嘉宾言及必谈的话题,人工智能实现了承保、核保、定损、理赔和客服服务功能的智能化已经不是一种畅想,而逐步成为事实。

众安科技首席执行官陈玮分享一个例子:基于智能设备,健康保险不需要消费者提交体检报告才给出保费报价,经用户同意后,保险公司可以通过智能设备收集个人体征数据,如果你每天坚持运动,根据这些运动数据,健康保险的定价就会相对会低。此前众安保险旗下的步步保产品则是基于用户运动量进行浮动定价。

中国人民银行金融研究所互联网金融研究中心副秘书长张晓艳则认为:车联网和可穿戴设备原理类似,并推动车险定价模式的变革,比如包括数据基础的变革、定价依据的创新以及定价频率的提升等。车联网根据驾驶人员开车的习惯,在这个基础上面就可以更好的控制风险,进行差异化定价。

怀保信息王伟伟:今年年初日本一家人寿裁员大概30%核保方面的人,这让很多人产生思考:未来人工智能可以像人一样去思考以及识别非结构化的文本、语音、图片以及音频,保险公司在产品定价、产品开发、核保、核赔等环节引入新科技的时候,会不会造成更多的人失业?我觉得不会,几年以后今天这样的会议也是会有三四百人来参加。

3、区块链走出试验田

任何创新都需要考虑一个问题,你的创新或创业能否解决某个问题。从这角度看,区块链等保险科技是极具生命力的,近两年,众安科技等一批新兴公司成立,致力于对区块链等技术的研发和输出,越来越多的区块链应用逐步落地。

万向区块链副总经理陶曲明认为:数据在谁手上,未来用户就在谁手上。每一家企业现在认识到数据的价值,我们都想用别人的数据,但是我们都不想自己的数据给别人去用。这样看似无解的问题有没有可能用一种新的技术或者说一种新的协作方式解决呢?能够给出答案的可能只有区块链技术。

中国人民大学法学院副院长杨东列举区块链和大数据技术相结合的案例:通过一些智能合约数据的一致性,包括存储、保护、数据的可发现性,区块链实现互信互利的提高速度和效率这样一种更加点对点的数字流程的业务支持。比如英国公司Teambrella用区块链技术支撑点对点的保险服务。

4、像零售行业一样运营保险

保险科技建立在大数法则和风险控制之上,随着保险数字化和大数据发展,使得保险本身的定价、风控、基本的模型理论发生根本性的变化。

上一页2/3下一页
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170912/31372509_2.html
Server: cms-8-251
Date: 2024/11/05 16:37:09

Powered by China
China