数字经济背景下现代保险业发展研究  

Research on the Modern Insurance Development under the Background of Digital Economy

作　　者：张瑞纲[1] 吴叶莹 Zhang Ruigang;Wu Yeying

机构地区：[1]广西大学经济学院金融系,广西南宁530004 [2]广西大学经济学院,广西南宁530004

出　　处：《西南金融》2022年第7期91-102,共12页Southwest Finance

基　　金：国家自然科学基金项目“董事责任保险、企业特征与企业风险行为”(项目批准号:71863002)。

摘　　要：在数字经济时代,以大数据、人工智能、区块链、5G技术为代表的数字技术正成为经济发展新引擎,本文系统研究数字经济与现代保险发展之间的关系。首先展示了数字经济下现代保险的发展现状:包括政策支持保险数字化发展、资本聚焦保险数字化进程等。随后分析了数字技术在保险业的具体应用现状,包括在产品开发、保险营销、保险承保及保险理赔方面的应用。再次,分析了数字经济时代保险业面临的挑战,包括竞争格局多元化、技术升级存在障碍以及经营风险加剧。最后,从传统保险企业、新型保险企业、政府三个层面,提出了包括加快数字化转型、完善人才培育机制、保持优势积极创新、开放包容互利共赢、建立多层次补贴、完善激励体系在内的六条可行性建议,旨在助力保险行业把握数字经济时代机遇,顺势而上迎接时代变革。In the era of digital economy, digital technology represented by big data, artificial intelligence,blockchain and 5G technology is becoming a new engine of economic development. This paper systematically studies the relationship between digital economy and modern insurance development. First, it shows the development status of modern insurance under the digital economy, including the policy support for the digital development of insurance and capital focus on the digital process of insurance, etc. Then, this paper analyzes the specific application status of digital economy technology in the insurance industry, including the application in product development, insurance marketing, insurance underwriting and insurance claims. Third, this paper analyzes the challenges facing the insurance industry in the digital economy era, including the diversification of the competitive landscape, barriers to technological upgrading, and increased operational risks. Finally, from the three levels of traditional insurance companies, new insurance companies and the government, this paper proposes six feasible measures, including accelerating digital transformation, improving talent training mechanism, maintaining advantages and actively innovating, opening up, inclusiveness, mutual benefit and win-win, establishing multi-level subsidies, and improving incentive system, so as to help the insurance industry seize the opportunities in the digital economy era and take advantage of the trend to meet the changes of the era.

关 键 词：数字经济 保险科技 保险创新 保险产品创新 数字技术 大数据 人工智能 保险业转型 

分 类 号：F840.4[经济管理—保险]