近期，多家险企就自身数字化转型、构建数字生态等情况进行了介绍。结合险企定期报告，《经济参考报》记者注意到，随着险企深耕数字金融领域，通过人工智能、大数据等技术构建数字场景，使得金融服务更精准、更有效率。此外，通过建立灾害模型等方式，在提升风险减量服务能力中更好地发挥了保险作用。
一、提升服务效率
“现在理赔都是线上化，又快又方便。”中国人寿的客户通过线上操作将自己交通事故理赔资料上传中国人寿财险“一路行”空中智赔平台，当天便收到了理赔款。
理赔作为保险服务的核心价值体现，是行业最关注的环节之一。通过科技赋能，中国人寿近年来持续加大数字化转型，优化理赔流程，提升服务效率。据介绍，2023年，中国人寿寿险公司整体理赔服务时效0.38天，理赔直付案量超727万件，最快可达秒级理赔；中国人寿财险公司通过“一路行”空中智赔平台等实现数字化理赔一站式服务。 数字化转型网（www.szhzxw.cn）
中国平安在去年三季报中表示，中国平安紧密围绕主业转型升级需求，运用科技赋能金融业务促销售、提效率、控风险。2023年前三季度，平安AI坐席服务量约17.0亿次，覆盖平安82%的客服总量；AI坐席驱动产品销售在整体坐席产品销售规模中占比45%，AI催收覆盖率为42%。
作为支持对外经济贸易发展与合作的国有政策性保险公司，中国信保近年来同样深入推进数字化转型，巩固扩大企业级业务架构建设成效。“我们将不断提升数字金融服务能力，打造内部‘数字信保’、构筑外部数字生态，做好数字金融的大文章。”中国信保业务管理部总经理杨明刚表示。
有业内人士向记者表示，随着科技发展，客户对保险服务需求也在发生变化，希望获得更便捷、个性化、智能化服务。而大模型等技术的应用，对提升作业效能、运营效率和人均产能具有广阔的想象空间。
财通证券认为，近年来，我国大型保险机构持续关注科技投入，AI技术已广泛应用于前端销售、定损理赔、风控减损等领域，AI大模型可从产品研发、渠道营销、运营管理等各方位实现保险机构的全流程赋能。 数字化转型网（www.szhzxw.cn）
二、促进风险减量
依托物联网、大数据、人工智能等前沿技术，除降本增效外，保险企业还持续提升自身风险减量服务能力。
“通过科技赋能，中国人保自主研发了万象天眼-智能风险减量平台，形成包括‘气象眼’‘海风眼’等一系列面向各类风险场景的‘天眼’，提升风险减量服务能力。”中国人保集团战略部主要负责人张宝辉介绍称。据了解，农业风险减量服务方面，中国人保依托AI、区块链等技术建设数智化农业保险服务平台，实现农业保险经营管理与服务模式创新升级；在驾驶风险防范方面建立了“人保方舟”驾驶风险管理平台，已形成3.4亿辆汽车数字化档案。
再保险作为保险的保险，是风险分散的重要机制。“再保险能够在更广泛的时间和空间里分散转移巨灾风险，有力支持保险市场稳健发展，是多层次巨灾风险管理体系的关键一环。”中再产险副总经理王忠曜表示，中再产险开发针对性、创新性的巨灾保险产品，建立健全巨灾风险管理产品体系，主持开发极温、暴雪、传染病等指数型巨灾保险创新产品，不断丰富巨灾保险产品供给，凭借数据枢纽和专业技术优势，中再产险瞄准巨灾保险发展缺乏行业性基础设施的痛点和短板，积极谋篇布局，以科技赋能提升行业整体巨灾风险管理水平。 数字化转型网（www.szhzxw.cn）
据了解，2018年中再集团联合相关企业成立中再巨灾风险管理股份有限公司（简称“中再巨灾”），致力于提供专业巨灾风险管理技术与服务。王忠曜介绍称，五年来，中再巨灾深耕巨灾模型研发工作，包括地震、台风、洪水系列模型等，目前巨灾模型系列已逐步服务于政府、产业与保险业巨灾风险管理。
三、转型持续推进
近期，国家金融监督管理总局发布《关于加强科技型企业全生命周期金融服务的通知》要求，鼓励银行保险机构加大数字金融研发投入，依法合规运用新一代信息技术，推动科技型企业金融服务业务处理、经营管理和内部控制等关键环节向数字化、智能化转型发展，持续提高运营效率，优化内部资源配置，提升风险防范水平，更好满足科技型企业融资需求。
此外，《中国保险业标准化“十四五”规划》提出，数字化转型是保险业贯彻新发展理念、推动高质量发展的重要途径。规划要求在保险科技领域加强行业标准供给，在大数据、人工智能、云服务、区块链等领域制定相关应用标准，以标准凝聚行业共识、积累行业经验、规范引领保险科技创新。加强跨行业生态标准建设，促进保险业在依法合规的前提下与第三方合作机构、数据服务提供商、其他行业产业合作，发挥更大的协同效应。
记者注意到，当前地方相关部门也在积极推进险企数字化转型。例如，国家金融监督管理总局宁波监管局加快推进宁波国家保险创新综合试验区建设，持续深化产品供给侧改革，引导辖区内保险机构加快数字化转型，不断提升健康险服务能力，包括加快推进健康险数智化改革，会同市医保局指导相关保险机构加强与“智慧医保”对接，着力提升保险服务质效等。此前，青岛发布行动方案提出，要推动机构依托科技手段创新发展模式，充分运用金融科技创新产品，改进服务质量，降低服务成本，释放创新活力，提升市场竞争力。 数字化转型网（www.szhzxw.cn）
翻译：
“Technological content” continues to improve insurance companies to further promote digital transformation
Recently, a number of insurance companies have introduced their own digital transformation and the construction of digital ecology. Combined with the regular reports of insurance companies, the reporter of Economic Information Daily noted that as insurance companies deepen the field of digital finance, they build digital scenarios through artificial intelligence, big data and other technologies, making financial services more accurate and more efficient. In addition, by establishing disaster models and other ways, insurance plays a better role in improving the service capacity of risk reduction.
First, improve service efficiency
“Now claims are all online, which is fast and convenient.” China Life’s customers uploaded their own traffic accident claim information to the China Life Property Insurance “All the way” air wisdom compensation platform through online operation, and received the claim payment on the same day.
As the embodiment of the core value of insurance services, claims settlement is one of the most concerned links in the industry. Through technology empowerment, China Life has continued to increase its digital transformation in recent years to optimize the claims process and improve service efficiency. According to reports, in 2023, China Life Insurance Company’s overall claims service limitation is 0.38 days, and the number of claims direct payment cases exceeds 7.27 million, which can reach the second-level claims at the fastest; China Life Property Insurance Company realizes one-stop service of digital claims settlement through the “All the Way” aerial intelligent claims platform.
Ping An of China said in the third quarterly report last year that Ping An of China closely focused on the needs of transformation and upgrading of the main business, and used technology to empower financial business to promote sales, improve efficiency and control risks. In the first three quarters of 2023, Ping An AI agent service volume was about 1.70 billion times, covering 82% of Ping An’s total customer service; AI agent driven product sales accounted for 45% of the overall agent product sales scale, and AI collection coverage was 42%. 数字化转型网（www.szhzxw.cn）
As a state-owned policy insurance company supporting foreign economic and trade development and cooperation, China Credit Insurance has also deeply promoted digital transformation in recent years, consolidating and expanding the effectiveness of enterprise business structure construction. “We will continue to improve our digital financial service capabilities, build an internal ‘digital credit insurance’, build an external digital ecology, and do a good job in digital finance.” China Credit insurance business management department general manager Yang Minggang said.
Some insiders told reporters that with the development of science and technology, customers’ demand for insurance services is also changing, hoping to obtain more convenient, personalized and intelligent services. The application of large model and other technologies has broad imagination space for improving operation efficiency, operational efficiency and per capita production capacity.
Caitong Securities believes that in recent years, China’s large insurance institutions continue to pay attention to science and technology investment, AI technology has been widely used in front-end sales, loss settlement, risk control and loss reduction and other fields, AI large model can achieve the whole process of insurance institutions from product development, channel marketing, operation management and other aspects. 数字化转型网（www.szhzxw.cn）
Second, promote risk reduction
Relying on cutting-edge technologies such as the Internet of Things, big data, and artificial intelligence, in addition to reducing costs and increasing efficiency, insurance companies continue to improve their risk reduction service capabilities.
“Through technology enabling, PICC has independently developed the Vientiane Sky Eye – intelligent risk reduction platform, forming a series of sky eyes for various risk scenarios, including ‘weather eye’ and ‘sea breeze eye’, to improve risk reduction service capabilities.” China People’s Insurance Group strategy Department, the main person in charge of Zhang Baohui said. It is understood that in terms of agricultural risk reduction services, PICC relies on AI, blockchain and other technologies to build a digitalized agricultural insurance service platform to realize the innovation and upgrading of agricultural insurance operation management and service mode. In terms of driving risk prevention, the “People’s Insurance Ark” driving risk management platform has been established, which has formed the digital archives of 340 million vehicles. 数字化转型网（www.szhzxw.cn）
As the insurance of insurance, reinsurance is an important mechanism for risk diversification. “Reinsurance can spread and transfer catastrophe risks over a wider range of time and space, effectively support the sound development of the insurance market, and is a key part of a multi-level catastrophe risk management system.” Wang Zhongyao, deputy general manager of ZRE Insurance, said that ZRE Insurance developed targeted and innovative catastrophe insurance products, established and improved catastrophe risk management product system, presided over the development of extreme temperature, blizzard, infectious disease and other index catastrophe insurance innovative products, and continuously enriched the supply of catastrophe insurance products, relying on data hub and professional technical advantages. Zhongre Insurance aims at the pain points and shortcomings of the lack of industrial infrastructure in the development of catastrophe insurance, and actively plans the layout to enhance the overall catastrophe risk management level of the industry with science and technology.
It is understood that in 2018, China Re Group and related enterprises established China Re Catastrophe Risk Management Co., LTD. (referred to as “China Re Catastrophe”), which is committed to providing professional catastrophe risk management technology and services. Wang Zhongyao introduced that in the past five years, China Re Catastrophe in-depth research and development of catastrophe models, including earthquake, typhoon, flood series models, etc., the current catastrophe model series has gradually served the government, industry and insurance industry catastrophe risk management.
Third, transformation continued
Recently, the State Financial Supervision and Administration issued the “Notice on Strengthening the Financial Services of Science and Technology Enterprises in the Whole Life Cycle”, encouraging banks and insurance institutions to increase investment in digital financial research and development, use the new generation of information technology according to law and compliance, and promote the transformation and development of key links such as business processing, operation management and internal control of financial services of science and technology enterprises to digital and intelligent. Continue to improve operational efficiency, optimize internal resource allocation, improve risk prevention level, and better meet the financing needs of science and technology enterprises.
In addition, the “14th Five-Year Plan for the Standardization of China’s Insurance Industry” proposes that digital transformation is an important way for the insurance industry to implement the new development concept and promote high-quality development. The plan requires strengthening the supply of industry standards in the field of insurance technology, formulating relevant application standards in the fields of big data, artificial intelligence, cloud services, blockchain, etc., using standards to gather industry consensus, accumulate industry experience, and standardize to lead insurance technology innovation. Strengthen the construction of cross-industry ecological standards, and promote the insurance industry to cooperate with third-party cooperation institutions, data service providers, and other industries under the premise of law and compliance, so as to exert greater synergies.
The reporter noted that the current local relevant departments are also actively promoting the digital transformation of insurance companies. For example, the Ningbo Supervision Bureau of the State Financial Supervision and Administration accelerated the construction of the Ningbo National Insurance Innovation Comprehensive Pilot Zone, continued to deepen the product supply side reform, guided the insurance institutions within the jurisdiction to accelerate the digital transformation, and continuously improved the health insurance service capability, including accelerating the reform of the number of health insurance intelligence, and guided the relevant insurance institutions to strengthen the docking with the “smart medical insurance” together with the municipal medical insurance Bureau. We will strive to improve the quality and efficiency of insurance services. Previously, Qingdao issued an action plan to promote institutions to rely on scientific and technological means to innovate development models, make full use of financial technology innovative products, improve service quality, reduce service costs, release innovation vitality, and enhance market competitiveness.
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