周延礼：AI重构保险全链条，数据治理与人才建设为未来发展关键

Core Insights - The application of artificial intelligence (AI) in the insurance industry is driving the intelligent upgrade of traditional business processes, enhancing efficiency and service quality while addressing issues in pricing and risk management [1][3][5] Group 1: AI Applications in Insurance - AI has been implemented in six key areas: intelligent underwriting, intelligent claims processing, rapid product generation, customer service optimization, personalized services, and enhancing inclusivity [1][2] - Intelligent underwriting utilizes computer vision and natural language processing to analyze medical reports, significantly reducing the underwriting cycle for commercial health insurance [2] - Intelligent claims processing leverages image recognition technology to improve efficiency, such as instant damage assessment in auto insurance scenarios [2] Group 2: Risk Management Transformation - AI is transforming risk management from reactive claims handling to proactive, full-process risk management, enabling precise risk assessment and fraud detection [3][5] - The shift from group pricing to individual customization is facilitated by integrating dynamic data, allowing for more accurate premium adjustments [4] Group 3: Data Governance and Talent Development - Strengthening data governance and talent development is crucial for the integration of AI in insurance, focusing on data standardization and quality improvement [6] - Collaboration between insurance institutions and academic research organizations is essential for cultivating talent with expertise in both insurance and AI technologies [6]