摘要
保险科技的迅速发展在改变保险行业格局和影响保险业务实践之外,还对保险传统理论产生了一定的影响。本文在梳理相关文献的基础上,从理论角度对保险科技的功能与作用进行归纳与分析。一方面,保险科技实现了对保险原有基础功能的改进:风险管理功能通过优化风险识别、拓宽承保风险和定制风险管理方案等方式得以优化;损失补偿功能通过提高核保精度与效率、改进赔付方式得以优化;资金融通功能则通过提高融资效率和投资精确度得以优化。另一方面,保险科技实现了保险在原有功能之外的新功能拓展,包括促进保险行业变革以及推动科技创新,即通过牵引保险行业各主体之间的业务分工构建高质量发展价值链,并利用保险行业优势实现对科技创新的服务支持与资金支持。基于此,应从数据安全、技术应用难度以及新风险产生等方面,防范保险科技在实际运用当中的潜在风险。
In addition to altering the insurance industry and influencing insurance business practices,the rapid develop-ment of insurance technology is showing its impact on traditional insurance theory.This paper summarizes the func-tions and roles of insurance technology from a theoretical perspective based on the relevant literature.On the one hand,insurance technology can improve the original basic functions of insurance.To be more specific,risk manage-ment function is improved by optimizing risk identification,broadening underwriting risks and customizing risk man-agement solutions;loss compensation function is optimized by increasing underwriting accuracy and efficiency as well as improving payment methods;capital financing function is advanced by increasing financing efficiency and invest-ment accuracy.On the other hand,insurance technology also enables the expansion in the original functions of insurance,in-cluding promoting changes in the insurance industry and prompting technological innovations,i.e.,building a high-quality development value chain by leading the business division of labor among various insurance entities,and taking the advantages of achieving service and financial support for technological innovation.Therefore,potential risks in the practical application of insurance technology should be prevented in terms of data security,difficulty in technol-ogy application and generation of new risks.
出处
《价格理论与实践》
北大核心
2022年第3期114-118,共5页
Price:Theory & Practice
关键词
保险科技
风险管理
损失补偿
资金融通
行业变革
insurance technology
risk management
loss compensation
fund financing
industry change
