人工智能对保险业发展的利弊之析及应对之策  

Analysis of the Advantages and Disadvantages of Artificial Intelligence to the Development of Insurance Industry and the Countermeasures

作　　者：李伟群[1] 马裕丰 LiWeiqun;Ma Yufeng

机构地区：[1]华东政法大学,上海200042 [2]圣约翰科技大学,台北25135

出　　处：《西南金融》2020年第2期68-76,共9页Southwest Finance

基　　金：上海市哲学社会科学规划一般课题“法律与经济视阈下上海养老险制度创新变革研究”(项目编号:2019BFX008)的阶段性成果

摘　　要：各种证据显示,人工智能与保险结合的创新已为保险业发展注入新的活力,实现新的突破。人工智能赋能于保险业,具有十分广阔的前景和巨大的潜力。但人工智能除其本身固有的风险之外,还包括随创新相伴而来的各类风险以及因被误用而带来的风险。为此,在全面迎来这股颠覆性改变的浪潮之际,需要平衡好人工智能对保险业发展的利弊得失,客观评价人工智能对保险业具有的赋能和颠覆的双重特性,分析其利弊得失,提出完善建议。Various evidences show that the innovation combining artificial intelligence and insurance has inject ed new vitality into the development of the insurance industry and achieved new breakthroughs.Artificial intelli gence empowers the insurance industry,which has a very broad prospect and huge potential.However,in addition to the inherent risks of artificial intelligence,it also includes various risks associated with innovation and risks caused by misuse.For this reason,as this wave of disruptive change is ushering in full swing,we need to balance the advan tages and disadvantages of artificial intelligence to the development of the insurance industry,objectively evaluate the dual characteristics of artificial intelligence's empowerment and disruption to the insurance industry,analyze its advantages and disadvantages and put forward perfect suggestions.

关 键 词：人工智能 保险科技 智能保顾 大数据 物联网 区块链 保险创新 信息不对称 风险控制 消费者权益保护 保险业转型 保险监管 智能监管 

分 类 号：F842.6[经济管理—保险]