“人工智能+”引领保险业革新

Core Viewpoint - Insurance companies should prioritize the development of new technologies and strategically plan for digital transformation, balancing short-term focus and long-term goals while avoiding both "safe but mediocre" and "outstanding but risky" approaches [1][4] Group 1: Impact of Artificial Intelligence on the Insurance Industry - The integration of artificial intelligence (AI) in the insurance sector can enhance operational efficiency across various functions such as customer operations, underwriting, claims processing, risk assessment, and product iteration, significantly improving total factor productivity [1] - AI helps the insurance industry adapt to changing risk structures, promoting service function upgrades and innovative service models through proactive risk management systems that transition from passive compensation to active loss reduction [2] - The insurance sector is increasingly involved in AI governance, rule-making, and ecosystem building, which supports the development of new productive forces while ensuring the safe advancement of new technologies [2] Group 2: Challenges and Opportunities - The exploration of AI in the insurance industry represents a technology-driven innovation activity that is crucial for high-quality development, presenting both opportunities and challenges such as the disruption of traditional workforce structures and the high costs associated with AI implementation [3] - Issues such as incomplete coverage, insufficient accuracy, and high training costs of large models pose challenges to the practical application of AI in insurance, alongside concerns regarding algorithm reliability and potential biases [3] - The insurance industry is beginning to explore new insurance products like "generative AI content infringement liability insurance" to support technological advancements, but the penetration of technology insurance remains limited due to a lack of knowledge and experience [3]