百年人寿：数智化筑基保险新质生产力，做好“数字金融”大文章

Core Viewpoint - The company is actively responding to national strategies by integrating digital technology into its operations to enhance financial security and efficiency, thereby establishing a strong foundation for becoming a financial powerhouse [1] Group 1: Digital Transformation - The company is collaborating with Huawei Cloud to build a financial-grade private cloud platform, aiming for full-stack cloud integration by 2026, which will enhance system stability, security, and scalability [2] - As of now, over 200 application systems are running smoothly on the cloud platform, covering core business areas such as policy management and solvency management [2] Group 2: Efficiency Improvement - The launch of the "Bai Xiao Sheng" app has integrated various functions to support agents, reducing the insurance application process time from 10 minutes to 5 minutes, achieving a 50% efficiency improvement [3] - The app also includes features for proactive customer engagement, enhancing the service quality and efficiency of agents [3] Group 3: Customer Service Enhancement - The "Yi Bao Tong" customer service platform has been upgraded to provide convenient online self-service for policy management, and a video service will be launched in September 2024 to assist customers remotely [4] - The average claim settlement time has been reduced to 1 hour, with a 99.98% settlement rate within 5 days, showcasing significant improvements in customer experience [4] Group 4: Risk Management - The company initiated the construction of a comprehensive risk management system in 2025, with plans to develop a front-end risk prediction model by 2026 [5] - The Risk Management Information System (RMIS) and Insurance Asset Risk Classification System (IARCS) have been established to enhance risk management capabilities [5] Group 5: Consumer Rights Protection - The AI-based consumer protection review system was launched in August 2025, which identifies potential risks to consumer rights before products and services are launched [6] Group 6: Knowledge Management - A collaboration with Tencent Cloud has led to the development of an AI-driven Q&A robot, "Bai Wen Bai Da," which will enhance information retrieval and management across various roles within the company [7] Group 7: Commitment to National Strategies - The company is actively engaging in five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to support high-quality economic development [8][9][10]