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互联网保险逐步进入了风险精细化管理时代
2019-01-12

凤凰网WEMONEY讯 “近年来信息技术的渗透率和影响力已经延伸到现代社会的各个渠道,保险行业与互联网科技的联系也愈发紧密,目前中国正步入后互联网时代,流量红利已经触达边界,人工智能、大数据、区块链、物联网的科技时代正在来临。”11月2日,泰康在线董事长刘经纶在2018中国金融年度论坛——2018中国保险行业年度峰会表示,保险业未来的发展,不管是传统模式的转型升级,还是新发展模式的开拓探索,都需要依靠新型科技技术,通过科技来赋能业务的变革发展,形成新动能、打造新引擎。

刘经纶表示,多年来,从保单电子化、信息化,到服务的互联网化,再到如今的保险科技、信息技术驱动保险行业先后经历了信息化、网络化、智能化三个阶段的发展,如今,各家保险公司基本实现了保单销售、投保、理赔、保前的全流程线上服务。而大数据、云计算、人工智能、区块链等科技手段的植入,让保险更安心、便捷和实惠。

刘经纶提出,科技赋能了保险的产品、销售、服务和管理。

在科技赋能保险产品方面,互联网保险产品快速发展,保险产品的设计逐渐向以客户为中心的产品化、碎片化、定制化、高端化转变。凭借大数据风控手段的广泛应用,保险产品设计逐步进入了风险的精细化管理时代。

在科技赋能保险销售方面,各大保险公司纷纷退出微信和APP等应用程序,大幅增加代理人销售和服务能力。客户大数据分析、智能保护等智能应用的推出,极大增强了客户分析和客户开拓的能力。

在科技赋能保险服务方面,人脸识别、语音识别、智能机器人应答等新技术的嵌入,增强了克服身份认证信息安全防护和防范的水平,可以大幅度减少人力成本。

在科技赋能保险管理方面,大数据能力分析,大数据财务管理等数字化手段的应用,助力保险公司经营提升全线管理的水平。 

刘经纶认为,现阶段保险企业竞争已经发展成为生态竞争,保险多元化**度发展对科技赋能提出了更高的期待和要求。应用科技全方位服务保险发展,打造精益求精的保险产品和服务,必会普惠消费者,进一步提高保险覆盖的广度和深度,为人们提供更强的风险抵御能力。

谈到科技赋能保险产业升级发展时,刘经纶表示,保险公司应用科技力量搭建产业与平台,将数字算法、客户资源、服务内容通过云平台来实现对内赋能以及对外输出,将内部服务变为共有服务,将保险公司的商业能力,包括对客户的了解、盈利的模式、科技服务的水平,甚至客户的流量提供,*终共同来建立一个围绕保险产业生态的经营发展模式。

信息来源-凤凰财经

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