摘要
保险科技是从金融科技框架里衍生出来的一个独立的新兴分支,它以科技为核心,围绕区块链、人工智能、大数据、云计算、物联网等技术,广泛深入保险产品创新、营销、核保、承保、理赔等各个产业链条和服务环节,对保险的行业生态进行改良创新和拓展延伸。随着保险科技的发展,国内外出现了一些不同的模式。本文对目前国内和国外保险科技发展作了对比,提出并分析了四种策略:一是传统险企应积极应对新趋势,与新兴科技公司和互联网公司合作,收购和兼并一些产业链上的公司;二是加强保险科技人才的培养,深入推进产学研用相结合;三是保险行业协会、自媒体、学术界等非盈利性组织应积极关注和支持保险科技;四是加强保险科技的战略规划和顶层设计,制定保险科技发展相关政策和法律法规。
Insurance technology is a newly derivative branch of financial technology framework whose key point is technology, such as bloc chain, AI, big data, cloud computing and internet of things. Insurance technology deeply and broadly affects industry chain and service sectors, such as insurance product innovation, marketing, underwriting,acceptance and claims settlement, to reform, create and prolong insurance industry ecology. With the development of insurance technology, different models emerged national and international wide. The authors compared domestic and overseas insurance development and analyzed four strategies. The first, traditional insurance companies should face new tendency, cooperate with technology and internet companies and acquire or merge with other companies of the industry chain. The second, the cultivation of insurance technology elites should be strengthened and combination of industry, college and research should be enhanced. The third, such non-profit organizations as insurance industry association,we-media, academia should actively focus and support insurance technology. The forth,strategies planning and top-level design of insurance technology should be enhanced and relevant development policies and laws should be formulated.
出处
《上海立信会计金融学院学报》
2017年第5期94-103,共10页
Journal of Shanghai Lixin University of Accounting and Finance
