人工智能赋能保险业高质量发展的路径、挑战与应对

Artificial Intelligence Empowering High-Quality Development of the Insurance Industry:Pathways, Challenges, and Responses

中文关键词:  人工智能  金融科技  保险业高质量发展  金融风险  风险治理

英文关键词:artificial intelligence  financial technology  high-quality development of the insurance industry  financial risks  risk governance

中文摘要:

      在中国经济由高速增长转向高质量发展的新常态背景下,作为金融体系的重要支柱,保险业的高质量发展不仅是加快建设金融强国、完善金融服务体系的关键举措,更是金融助力推进中国式现代化、服务实体经济发展的必由之路。人工智能作为引领新一轮科技革命和产业变革的关键性技术,是推动保险业高质量发展的核心驱动力。在政策加持与需求引领下,人工智能技术广泛嵌入保险客户服务、风险定价、理赔管控等环节,在优化资源配置、升级客户服务、驱动产品创新、革新运营流程、筑牢合规防线等方面发挥了重要作用,有效提升了保险业的运营效率和服务质量。然而,伴随着人工智能与保险业的深度融合,算法黑箱、隐私泄露、算法偏见等新型风险隐患也逐步凸显,不仅侵害了保险消费者的合法权益,也对传统金融风险治理框架与监管模式构成了严峻挑战。为了推动人工智能与保险业良性融合,监管部门、保险公司、科技企业等各方应形成合力,推动制度建设并完善创新保障机制,营造良好的数智保险发展生态,积极引导人工智能在保险领域规范健康发展。

英文摘要:

      Under the new normal of China's economic transition from high-speed growth to high-quality development, for the insurance industry, a key pillar of the financial system, pursuing high-quality development is not only a critical step for working faster to boost China's strength in finance and improving the financial service system but also as an inevitable path to advancing Chinese modernization and serving the real economy. As a pivotal technology driving a new round of scientific and technological revolution and industrial transformation, artificial intelligence (AI) serves as the core driver for the high-quality development of the insurance industry. Driven by policy support and market demand, AI technologies have been widely integrated into key insurance links, such as customer service, risk pricing, claims management, and control processes, playing a vital role in optimizing resource allocation, upgrading customer services, driving product innovation, revolutionizing operational workflows, and fortifying the bottom line of compliance, thereby effectively improving the operational efficiency and service quality of the insurance industry. However, with the deep integration of AI and the insurance industry, new risks and hidden dangers, such as algorithmic black boxes, privacy breaches, and algorithmic bias, have gradually emerged. These issues not only infringe on the legitimate rights and interests of insurance consumers but also pose severe challenges to conventional financial risk governance frameworks and regulatory models. To promote the sound integration of AI and the insurance industry, regulatory authorities, insurance companies, technology enterprises, and other stakeholders must work together to advance institutional construction, improve innovation support mechanisms, foster a sound development ecosystem for digital and intelligent insurance, and actively guide the standardized and healthy development of AI in the insurance field.