保险科技时代寿险业的应对策略  

The Response Strategy of Life Insurance Industry in the era of Insurance Technology

作　　者：唐金成[1] 刘鲁 Tang Jincheng;Liu Lu

机构地区：[1]广西大学商学院

出　　处：《西南金融》2019年第11期60-69,共10页Southwest Finance

摘　　要：随着互联网、人工智能、物联网、区块链、大数据、基因检测和可穿戴便携设备等技术手段在寿险行业的深入应用,保险科技日益拓展了其应用潜能,已成为推动保险业转型升级的主动力。寿险作为保险市场的主要险种,在保险科技时代面临着“基因检测+寿险”“可穿戴设备+寿险”“人工智能+寿险”“多重联合技术+寿险”等新的发展机遇。本文在详细分析了上述新机遇的同时,指出了保险科技的应用给寿险行业带来的挑战,并结合我国寿险行业发展现状,立足于寿险企业、保险监管和行业协会、保险科技服务商三个角度提出了保险科技时代加快寿险发展的一系列应对策略。With the in-depth application of technologies such as Internet,artificial intelligence,Internet of Things,blockchain,big data,genetic testing and wearable portable devices in the life insurance industry,insurance technology has increasingly expanded its application potential and has become the main driving force of transforma tion and upgrading for an insurance industry.As the main product of the insurance market,life insurance faces new development opportunities such as“genetic testing+life insurance”,“wearable equipment+life insurance”,“artifi cial intelligence+life insurance”,“multiple joint technology+life insurance”in the insurance technology era.While analyzing the above new opportunities in details,this paper points out the challenges brought by the applica tion of insurance technology to the life insurance industry.Combining the development status of China's life insur ance industry,from the perspective of life insurance companies,insurance supervision and industry associations,and insurance technology service providers,this paper puts forward a series of strategies to accelerate the develop ment of life insurance in the era of insurance technology.

关 键 词：保险科技 寿险创新 智能投资 大数据 云计算 区块链 人工智能 基因检测 保险监管 监管科技 金融科技 互联网保险 保险业转型升级 

分 类 号：F840.32[经济管理—保险]