保险科技赋能车险理赔应用研究:路径、实例与建议  

Research on the Application of InsurTech Enabling Auto Insurance Claims:Path,Instances and Suggestions

作　　者：周雷[1] 许佳 张鑫 宗小敏 费菲 Zhou Lei;Xu Jia;Zhang Xin;Zong Xiaomin;Fei Fei

机构地区：[1]苏州市职业大学商学院,江苏苏州215104 [2]东南大学经济管理学院,江苏南京211189 [3]中国人民财产保险股份有限公司苏州市分公司,江苏苏州215004 [4]友邦人寿保险有限公司江苏分公司苏州中心支公司,江苏苏州215000

出　　处：《西南金融》2023年第9期99-110,共12页Southwest Finance

基　　金：江苏省保险学会应用研究课题“保险科技在车险理赔中的应用研究”(SBX2023-6-A-02);江苏高校哲学社会科学研究项目“数字经济时代金融科技服务实体经济高质量发展研究”(2022SJYB1630);江苏省大学生创新创业训练计划项目“数字金融服务实体经济高质量发展研究”(202310286099Y)。

摘　　要：车险是财产保险的主要险种,车险理赔是车险实现风险保障功能的核心环节,但其长期面临理赔效率低、周期长、投诉多、欺诈防控难等“痛点”。保险科技通过应用人工智能、区块链、云计算、大数据等底层技术赋能车险理赔,实现在线报案索赔、远程查勘定损、智能理算核赔、自动支付赔款、有效防控欺诈、精准服务客户等全流程数字化,有助于解决上述“痛点”。人保财险公司“科技理赔”平台和某龙头科技企业“定损保”产品分别是传统财产险公司和第三方科技企业应用保险科技的典型实例,印证了保险科技底层技术赋能车险理赔的路径和效果。但是,保险科技作为新生事物仍存在一些制约因素,需要完善监管体系、加大科技投入、培养复合型人才,以及优化车险理赔数字生态,以期形成合力,更好地发挥保险科技的赋能作用,助推车险高质量发展,服务人民美好生活。Auto insurance is the main type of property insurance,auto insurance claim is the core link of auto insurance to realize the function of risk protection,and it has long been facing"pain points"including low claim ef⁃ficiency,long cycle,multiple complaints and difficulty in fraud prevention and control.Through the application of AI,blockchain,cloud computing,big data and other underlying technologies,InsurTech enables auto insurance claims and realizes the digitalization of the whole process,including online reporting,remote survey and loss as⁃sessment,intelligent claim adjustment and verification,automatic compensation payment,effective fraud preven⁃tion and accurate customer service,which help to solve the above"pain points".The"technology claims"platform of PICC Property and Casualty Company Limited and the"dingsun bao"product of leading technology enterprise are typical examples of the application of InsurTech by traditional property insurance companies and third-party technology enterprises respectively.The two examples confirm the path and effect of the underlying technology of InsurTech enabling auto insurance claims.However,as a new thing,InsurTech still has some constraints.This pa⁃per proposes to improve the regulatory system,increase investment in science and technology,cultivate composite talents,as well as optimize the digital ecosystem of auto insurance claims,so as to form a concerted effort to better leverage the enabling role of InsurTech,boost the high-quality development of auto insurance,and serve the peo⁃ple's better life.

关 键 词：保险科技 车险理赔 人工智能 区块链 云计算 大数据 元宇宙 数字化转型 

分 类 号：F842[经济管理—保险]