辽宁省保险业数字化经营水平和创新发展研究  

Research on Digital Operation Level and Innovative Development of Insurance Industry in Liaoning Province

作　　者：程杰[1] 刘芷硕 聂顿 CHENG Jie;LIU Zhishuo;NIE Dun(Liaoning University of International Business and Economics,Dalian 116052,China;Aeon Life Insurance Co.,Ltd.,Dalian 116021,China)

机构地区：[1]辽宁对外经贸学院,辽宁大连116052 [2]百年人寿保险股份有限公司,辽宁大连116021

出　　处：《商业观察》2024年第27期77-81,共5页BUSINESS OBSERVATION

基　　金：辽宁省大学生创新创业训练计划项目(S202210841001)。

摘　　要：保险业是风险管理行业,风险评估和处理是其核心业务。数字化转型可以通过利用大数据和人工智能技术来提高风险评估的精度和效率[1]。数字经济的发展给保险行业数字化经营带来了机遇。然而,传统保险经营者想企稳保险赛道中的地位,需要顺应数字经济发展的趋势。辽宁省保险行业在国内处于相对较好的发展水平,但仍存在数字化经营水平和创新发展方面的问题,需从数字化转型执行力、资金投入力度、区域性经营保险企业争取更大决策权,以及加快数字技术复合型人才培养几个方面需求突破。Risk assessment and handling are the core businesses of the insurance industry which is a risk management industry.The digital transformation of the insurance industry can improve the accuracy and efficiency of risk assessment by utilizing big data and artificial intelligence technology.The development of the digital economy has brought opportunities to the digital operation of the insurance industry.However,traditional insurance operators need to adapt to the trend of digital economy development in order to stabilize their position in the insurance industry.The development of the insurance industry in Liaoning Province is at a relatively good level in China,but there are still problems in the digital management and innovative development.It needs to seek a breakthrough in the execution of digital transformation,investment funds,regional insurance companies striving for greater decision-making power,and accelerating the cultivation of digital technology composite talents.

关 键 词：保险赛道 保险经营牌照 数字化经营 

分 类 号：F842[经济管理—保险]