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07.18
2025
當(dang)前，以(yi)大(da)數(shu)(shu)據(ju)、云計算、人工(gong)智能(neng)、區(qu)塊鏈(lian)、物(wu)聯網等為(wei)代表的(de)數(shu)(shu)字(zi)化(hua)(hua)技(ji)術深刻改變著(zhu)金(jin)(jin)融(rong)機(ji)構的(de)業(ye)(ye)(ye)(ye)務(wu)鏈(lian)和(he)價(jia)值鏈(lian)，重塑金(jin)(jin)融(rong)機(ji)構的(de)經營(ying)邏輯和(he)商業(ye)(ye)(ye)(ye)模式。近期，國務(wu)院(yuan)印發(fa)(fa)的(de)《關(guan)于加(jia)強(qiang)(qiang)監管(guan)防范(fan)風(feng)險(xian)(xian)推動保(bao)(bao)險(xian)(xian)業(ye)(ye)(ye)(ye)高(gao)質量發(fa)(fa)展(zhan)(zhan)的(de)若干意見》（國發(fa)(fa)〔2024〕21號，以(yi)下簡(jian)稱“新(xin)國十(shi)條(tiao)”）提(ti)出增強(qiang)(qiang)保(bao)(bao)險(xian)(xian)業(ye)(ye)(ye)(ye)可持(chi)續發(fa)(fa)展(zhan)(zhan)能(neng)力，“提(ti)高(gao)數(shu)(shu)智化(hua)(hua)水平。加(jia)快數(shu)(shu)字(zi)化(hua)(hua)轉(zhuan)型(xing)，加(jia)大(da)資(zi)源投入，提(ti)升經營(ying)管(guan)理效率。鼓(gu)勵運用(yong)人工(gong)智能(neng)、大(da)數(shu)(shu)據(ju)等技(ji)術，提(ti)高(gao)營(ying)銷服務(wu)、風(feng)險(xian)(xian)管(guan)理和(he)投資(zi)管(guan)理水平。
在(zai)此背景下，2025第(di)七屆(jie)“金(jin)(jin)保(bao)(bao)獎(jiang)”頒獎(jiang)典禮暨中國保(bao)(bao)險(xian)(xian)業(ye)(ye)(ye)(ye)數(shu)(shu)字(zi)化(hua)(hua)與人工(gong)智能(neng)發(fa)(fa)展(zhan)(zhan)大(da)會(hui)將于2025年7月18日在(zai)上海(hai)召(zhao)開，旨在(zai)樹立保(bao)(bao)險(xian)(xian)行業(ye)(ye)(ye)(ye)品(pin)牌(pai)及企業(ye)(ye)(ye)(ye)發(fa)(fa)展(zhan)(zhan)標桿，促進保(bao)(bao)險(xian)(xian)行業(ye)(ye)(ye)(ye)的(de)健康發(fa)(fa)展(zhan)(zhan)，同時我們也(ye)期待在(zai)“金(jin)(jin)保(bao)(bao)獎(jiang)”的(de)推動下，涌(yong)現(xian)出更多具有創新(xin)活力，責任擔(dan)當(dang)的(de)保(bao)(bao)險(xian)(xian)企業(ye)(ye)(ye)(ye)與個(ge)人，共同推動中國保(bao)(bao)險(xian)(xian)行業(ye)(ye)(ye)(ye)高(gao)速(su)平穩的(de)發(fa)(fa)展(zhan)(zhan)。
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07.19
2024
近期舉行(xing)(xing)的(de)中央金(jin)融(rong)(rong)(rong)工(gong)作會議首次(ci)提出“加快建設金(jin)融(rong)(rong)(rong)強國”，明確(que)提出要做好“科(ke)技(ji)金(jin)融(rong)(rong)(rong)、綠色(se)金(jin)融(rong)(rong)(rong)、普惠金(jin)融(rong)(rong)(rong)、養老(lao)金(jin)融(rong)(rong)(rong)、數(shu)(shu)字(zi)(zi)金(jin)融(rong)(rong)(rong)五(wu)篇(pian)大文章”。伴隨著數(shu)(shu)字(zi)(zi)技(ji)術(shu)的(de)崛起以及金(jin)融(rong)(rong)(rong)科(ke)技(ji)的(de)不斷深入(ru)，數(shu)(shu)字(zi)(zi)化轉型在(zai)銀行(xing)(xing)經營發(fa)展(zhan)中的(de)戰略地位在(zai)不斷提升，于(yu)此同時銀行(xing)(xing)數(shu)(shu)字(zi)(zi)化轉型面(mian)對來自人(ren)工(gong)智(zhi)能(neng)、區塊鏈、量子科(ke)技(ji)等(deng)新(xin)技(ji)術(shu)，數(shu)(shu)據要素(su)以及安全防護等(deng)方面(mian)的(de)挑戰。在(zai)此背景(jing)下，“第(di)五(wu)屆銀行(xing)(xing)數(shu)(shu)字(zi)(zi)化創(chuang)新(xin)（中國）峰會2024”將于(yu)7月19日(ri)在(zai)上海召開，本次(ci)峰會以“用戶(hu)為本 信(xin)創(chuang)筑(zhu)基 數(shu)(shu)智(zhi)驅動 綠色(se)普惠”為主題，匯聚(ju)銀行(xing)(xing)業內(nei)專家學者，共同探討如何通過(guo)數(shu)(shu)字(zi)(zi)化實現(xian)銀行(xing)(xing)金(jin)融(rong)(rong)(rong)機構的(de)業務價值，實現(xian)銀行(xing)(xing)業高質量發(fa)展(zhan)。
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06.13
2024
當前(qian)，以大數(shu)據(ju)、云計(ji)算、人(ren)工智能、區塊鏈(lian)、物聯網等(deng)為(wei)代(dai)表的數(shu)字(zi)(zi)(zi)化(hua)(hua)技術深刻改變(bian)著金(jin)(jin)(jin)(jin)融(rong)(rong)機(ji)構的業務鏈(lian)和價(jia)值鏈(lian)，重(zhong)塑金(jin)(jin)(jin)(jin)融(rong)(rong)機(ji)構的經營邏輯(ji)和商業模式。近(jin)期召(zhao)開(kai)的中(zhong)央金(jin)(jin)(jin)(jin)融(rong)(rong)工作會議指出，做好科技金(jin)(jin)(jin)(jin)融(rong)(rong)、綠色(se)金(jin)(jin)(jin)(jin)融(rong)(rong)、普惠金(jin)(jin)(jin)(jin)融(rong)(rong)、養老金(jin)(jin)(jin)(jin)融(rong)(rong)、數(shu)字(zi)(zi)(zi)金(jin)(jin)(jin)(jin)融(rong)(rong)五篇(pian)大文章。這對金(jin)(jin)(jin)(jin)融(rong)(rong)數(shu)字(zi)(zi)(zi)化(hua)(hua)發(fa)展(zhan)提出一(yi)系(xi)列(lie)要求(qiu)，明確了金(jin)(jin)(jin)(jin)融(rong)(rong)數(shu)字(zi)(zi)(zi)化(hua)(hua)轉型的目標(biao)和任務，也為(wei)數(shu)字(zi)(zi)(zi)技術在(zai)金(jin)(jin)(jin)(jin)融(rong)(rong)領域的應用提供了政策支(zhi)持(chi)。作為(wei)數(shu)字(zi)(zi)(zi)金(jin)(jin)(jin)(jin)融(rong)(rong)的組成(cheng)部分，數(shu)字(zi)(zi)(zi)保(bao)(bao)險(xian)在(zai)推動(dong)經濟高質量發(fa)展(zhan)方面(mian)發(fa)揮著重(zhong)要作用。并且(qie)從(cong)需求(qiu)端看，隨著科技發(fa)展(zhan)，客(ke)戶對保(bao)(bao)險(xian)服(fu)務需求(qiu)也在(zai)發(fa)生變(bian)化(hua)(hua)，希望獲得更便(bian)捷、個性化(hua)(hua)、智能化(hua)(hua)服(fu)務；從(cong)市場端看，數(shu)字(zi)(zi)(zi)化(hua)(hua)轉型可(ke)提高保(bao)(bao)險(xian)企業運(yun)營效率，優化(hua)(hua)業務流程，提升客(ke)戶體驗，從(cong)而在(zai)激烈的市場競爭中(zhong)獲得更大優勢(shi)。
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11.09
2023
《“十四五”數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)經濟(ji)發展規(gui)劃(hua)》提(ti)出了(le)“加快數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)化發展，建設數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)中國”，二(er)十大(da)(da)報告指(zhi)出要(yao)推(tui)動(dong)數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)經濟(ji)和實(shi)體(ti)經濟(ji)融(rong)(rong)合發展，發揮數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)技(ji)術(shu)對經濟(ji)的(de)放大(da)(da)、疊加、倍增(zeng)作(zuo)用(yong)。《關于銀(yin)行(xing)(xing)業(ye)保險(xian)業(ye)數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)化轉(zhuan)(zhuan)型的(de)指(zhi)導意見(jian)》從(cong)機制、方(fang)法(fa)、行(xing)(xing)動(dong)、步驟等(deng)方(fang)面對全面推(tui)進銀(yin)行(xing)(xing)業(ye)數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)化轉(zhuan)(zhuan)型、推(tui)動(dong)金融(rong)(rong)高質量發展提(ti)出了(le)具(ju)體(ti)的(de)要(yao)求(qiu)，為行(xing)(xing)業(ye)數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)化轉(zhuan)(zhuan)型指(zhi)明了(le)方(fang)向。與此同(tong)時隨(sui)著人(ren)工智能，云計(ji)算，大(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)據(ju)，5G等(deng)技(ji)術(shu)的(de)快速發展，以(yi)數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)經濟(ji)規(gui)劃(hua)為整體(ti)指(zhi)引(yin)(yin)，以(yi)金融(rong)(rong)科技(ji)規(gui)劃(hua)及數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)化轉(zhuan)(zhuan)型指(zhi)導意見(jian)為行(xing)(xing)業(ye)落實(shi)，以(yi)科技(ji)與數(shu)(shu)(shu)(shu)(shu)(shu)據(ju)為引(yin)(yin)擎驅動(dong)銀(yin)行(xing)(xing)數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)化逐漸成為業(ye)內人(ren)士(shi)共識。
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06.09
2023
2022年1月，中國銀保監(jian)會印發(fa)《關于銀行(xing)業(ye)(ye)保險業(ye)(ye)數(shu)字(zi)(zi)(zi)化(hua)轉(zhuan)型的(de)指導(dao)意見》，全(quan)面(mian)推進銀行(xing)業(ye)(ye)保險業(ye)(ye)數(shu)字(zi)(zi)(zi)化(hua)轉(zhuan)型，推動金(jin)融高質(zhi)量發(fa)展。意見提出到2025年，銀行(xing)業(ye)(ye)保險業(ye)(ye)數(shu)字(zi)(zi)(zi)化(hua)金(jin)融產品和(he)服(fu)務方(fang)式廣泛(fan)普及，金(jin)融服(fu)務質(zhi)量和(he)效率顯著(zhu)提高，網(wang)絡安全(quan)、數(shu)據安全(quan)和(he)風險管理(li)水平全(quan)面(mian)提升。意見明確了這一階段數(shu)字(zi)(zi)(zi)化(hua)建設的(de)目標，那就是(shi)更好(hao)服(fu)務實體經濟和(he)滿足人民群眾(zhong)需要(yao)。
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10.20
2022
2021年12月，國(guo)務院印(yin)發(fa)的(de)《“十四五”數(shu)(shu)字(zi)(zi)(zi)經(jing)濟發(fa)展(zhan)規劃(hua)》, 提出要(yao)“加快建設(she)數(shu)(shu)字(zi)(zi)(zi)經(jing)濟、數(shu)(shu)字(zi)(zi)(zi)社(she)會、數(shu)(shu)字(zi)(zi)(zi)政府”，而數(shu)(shu)字(zi)(zi)(zi)經(jing)濟是重(zhong)(zhong)中之重(zhong)(zhong)。同期中國(guo)人民銀行《金融(rong)科技發(fa)展(zhan)規劃(hua)（2022—2025年）》和銀保(bao)監會《關于銀行業(ye)保(bao)險(xian)業(ye)數(shu)(shu)字(zi)(zi)(zi)化(hua)(hua)轉型的(de)指(zhi)導意見》先后(hou)印(yin)發(fa)，為(wei)新時期銀行數(shu)(shu)字(zi)(zi)(zi)化(hua)(hua)轉型提供指(zhi)引(yin)方向(xiang)。銀行業(ye)“數(shu)(shu)字(zi)(zi)(zi)化(hua)(hua)”邁入(ru)高質量發(fa)展(zhan)的(de)新階段，其中科技治理，數(shu)(shu)據要(yao)素，數(shu)(shu)字(zi)(zi)(zi)運營，風險(xian)控制成為(wei)重(zhong)(zhong)點(dian)目標。
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09.07
2022
在數(shu)字中(zhong)國戰(zhan)略(lve)＊＊下，以(yi)數(shu)字技術(shu)為(wei)動(dong)力(li)牽引，全面賦(fu)能(neng)(neng)社(she)會(hui)經濟(ji)社(she)會(hui)高(gao)質量(liang)發展(zhan)，以(yi)滿足人民日益(yi)增長的(de)美好生活(huo)需要(yao)(yao)為(wei)根(gen)本目標。而在金融保(bao)險(xian)(xian)(xian)(xian)(xian)行(xing)(xing)業(ye)，就(jiu)是(shi)要(yao)(yao)以(yi)科(ke)技創新(xin)(xin)為(wei)手段，數(shu)字發展(zhan)為(wei)理念，以(yi)信(xin)息化數(shu)字化智(zhi)能(neng)(neng)化培(pei)育新(xin)(xin)動(dong)能(neng)(neng)，用新(xin)(xin)動(dong)能(neng)(neng)推(tui)動(dong)傳統金融行(xing)(xing)業(ye)新(xin)(xin)發展(zhan)，近年(nian)來(lai)無論(lun)壽險(xian)(xian)(xian)(xian)(xian)財險(xian)(xian)(xian)(xian)(xian)或者(zhe)健康險(xian)(xian)(xian)(xian)(xian)在這方(fang)面的(de)實踐變革都(dou)已十(shi)分明顯。其中(zhong)以(yi)云計算、大數(shu)據(ju)、人工智(zhi)能(neng)(neng)、區塊(kuai)鏈等(deng)為(wei)代表(biao)的(de)保(bao)險(xian)(xian)(xian)(xian)(xian)科(ke)技，是(shi)保(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)加快轉型向(xiang)高(gao)質量(liang)發展(zhan)的(de)重要(yao)(yao)“催(cui)化劑”。而近日，中(zhong)國保(bao)險(xian)(xian)(xian)(xian)(xian)行(xing)(xing)業(ye)協會(hui)印發《保(bao)險(xian)(xian)(xian)(xian)(xian)科(ke)技“十(shi)四五”發展(zhan)規劃（征求意見稿）》，也表(biao)明了未來(lai)一(yi)段時間內，保(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)深(shen)入(ru)推(tui)進(jin)科(ke)技應(ying)(ying)用的(de)方(fang)向(xiang)與(yu)路徑隨(sui)之(zhi)浮現。
當然在快速(su)發展(zhan)的(de)同時，保(bao)險(xian)(xian)(xian)(xian)(xian)行(xing)(xing)業(ye)科(ke)技應(ying)(ying)用也面臨諸多問題與(yu)挑戰(zhan)。保(bao)險(xian)(xian)(xian)(xian)(xian)科(ke)技應(ying)(ying)用碎片化，保(bao)險(xian)(xian)(xian)(xian)(xian)科(ke)技應(ying)(ying)用智(zhi)能(neng)(neng)化尚(shang)不成熟(shu)，未與(yu)各(ge)個(ge)產(chan)業(ye)行(xing)(xing)業(ye)深(shen)度融合(he)，形成生態(tai)，而且(qie)保(bao)險(xian)(xian)(xian)(xian)(xian)科(ke)技應(ying)(ying)用還在數(shu)據(ju)安全、隱私保(bao)護等(deng)方(fang)面面臨諸多安全性問題。這些(xie)也是(shi)各(ge)行(xing)(xing)業(ye)在數(shu)智(zhi)化進(jin)程中(zhong)不可避免(mian)的(de)。
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10.29
2021
近年來，國(guo)家高度重視(shi)數(shu)(shu)字經濟發展(zhan), 監(jian)管層面(mian)鼓勵金融機構數(shu)(shu)字化，在(zai)(zai)十四五綱要中提出(chu)“穩妥發展(zhan)金融科(ke)技”，要求金融機構加速數(shu)(shu)字化轉(zhuan)型(xing)，提升(sheng)服務效(xiao)率(lv)。大(da)數(shu)(shu)據(ju)，人工智能，云計算，區(qu)塊鏈等金融科(ke)技快速發展(zhan)，新冠疫情全球大(da)流(liu)行(xing)(xing)，金融供給(gei)側改革成為銀行(xing)(xing)業數(shu)(shu)字化轉(zhuan)型(xing)的(de)助推器。存量(liang)時代到來，如何在(zai)(zai)數(shu)(shu)字化第二發展(zhan)曲線彎道(dao)超(chao)車？技術架(jia)構的(de)開放性(xing)，兼容性(xing)，知識共享如何實現(xian)？“數(shu)(shu)據(ju)+算法”是未(wei)來銀行(xing)(xing)的(de)核心(xin)競爭力嗎？千行(xing)(xing)千面(mian)，區(qu)域(yu)性(xing)銀行(xing)(xing)的(de)數(shu)(shu)字化轉(zhuan)型(xing)特色之路在(zai)(zai)哪(na)？如何保障(zhang)數(shu)(shu)字時代的(de)安全與隱(yin)私？十四五規劃的(de)第一年，銀行(xing)(xing)業數(shu)(shu)字化進(jin)入了(le)全新領域(yu)。
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06.03
2021
隨(sui)著(zhu)(zhu)各行(xing)(xing)業(ye)十(shi)四五規劃的(de)全面到(dao)來，重(zhong)新(xin)定(ding)(ding)義保(bao)(bao)險(xian)(xian)(xian)(xian)科技的(de)內涵，重(zhong)新(xin)分析(xi)保(bao)(bao)險(xian)(xian)(xian)(xian)行(xing)(xing)業(ye)的(de)新(xin)特征(zheng)已經迫(po)在(zai)眉睫，尤其(qi)是(shi)近兩年保(bao)(bao)險(xian)(xian)(xian)(xian)行(xing)(xing)業(ye)出現(xian)了(le)非(fei)常明顯的(de)行(xing)(xing)業(ye)變革特征(zheng)，傳統(tong)保(bao)(bao)險(xian)(xian)(xian)(xian)的(de)經營方式，無論壽險(xian)(xian)(xian)(xian)和(he)財險(xian)(xian)(xian)(xian)在(zai)既定(ding)(ding)市場(chang)環境(jing)下都難(nan)以(yi)(yi)實現(xian)大(da)規模增長；而(er)科技對保(bao)(bao)險(xian)(xian)(xian)(xian)行(xing)(xing)業(ye)的(de)未來發展(zhan)提供了(le)非(fei)常大(da)的(de)想(xiang)象力(li)和(he)潛力(li)空間(jian)。
突如其(qi)來的(de)疫情更(geng)像是(shi)一場(chang)大(da)考，倒逼(bi)了(le)許多傳統(tong)行(xing)(xing)業(ye)尤其(qi)是(shi)金融保(bao)(bao)險(xian)(xian)(xian)(xian)業(ye)加(jia)速其(qi)自(zi)身數(shu)字(zi)化(hua)(hua)(hua)智能(neng)化(hua)(hua)(hua)能(neng)力(li)的(de)發展(zhan)變革，頭(tou)部保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司正在(zai)經歷著(zhu)(zhu)從關(guan)(guan)注“保(bao)(bao)單”向關(guan)(guan)注“人”和(he)“家庭”的(de)轉變，從關(guan)(guan)注銷售、增員(yuan)向關(guan)(guan)注客戶需求、社會環境(jing)變化(hua)(hua)(hua)、保(bao)(bao)險(xian)(xian)(xian)(xian)社會價(jia)值(zhi)的(de)轉變，伴隨(sui)著(zhu)(zhu)這些(xie)變化(hua)(hua)(hua)，打造(zao)＊＊的(de)用戶體驗(yan)、重(zhong)新(xin)定(ding)(ding)義保(bao)(bao)險(xian)(xian)(xian)(xian)價(jia)值(zhi)鏈、重(zhong)新(xin)定(ding)(ding)義保(bao)(bao)險(xian)(xian)(xian)(xian)產(chan)品設計理(li)念以(yi)(yi)及挖掘關(guan)(guan)聯大(da)數(shu)據背后(hou)的(de)價(jia)值(zhi)等，成為(wei)一系列(lie)想(xiang)要變革發展(zhan)的(de)保(bao)(bao)險(xian)(xian)(xian)(xian)人所面臨(lin)的(de)共同(tong)問題，而(er)無疑數(shu)字(zi)化(hua)(hua)(hua)、智能(neng)化(hua)(hua)(hua)、科技賦能(neng)數(shu)據的(de)資產(chan)化(hua)(hua)(hua)運(yun)營管理(li)這些(xie)手段為(wei)我(wo)們提供了(le)一種＊佳解決路徑。
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01.20
2021
近(jin)年(nian)來(lai)，中國(guo)(guo)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)正在進行(xing)(xing)(xing)(xing)(xing)一(yi)場關于零售(shou)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)務的(de)變革：零售(shou)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)務已經成(cheng)為推(tui)動中國(guo)(guo)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)整體(ti)收入池增長(chang)的(de)主
要動力(li), 中國(guo)(guo)零售(shou)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業(ye)(ye)務的(de)總體(ti)營業(ye)(ye)收入已經從2015年(nian)的(de)1.6萬(wan)億(yi)人民(min)(min)幣提升(sheng)到2019年(nian)的(de)2.6萬(wan)億(yi)人民(min)(min)幣，年(nian)化(hua)(hua)復(fu)合增長(chang)
率達(da)11.9。與此同時，疫情(qing)的(de)突發，國(guo)(guo)際形勢的(de)變化(hua)(hua)，給商業(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)帶來(lai)了新(xin)的(de)挑戰和機遇。“數字(zi)化(hua)(hua)”，“開放(fang)生態”，
“客戶體(ti)驗”，“科(ke)技(ji)賦能”“風險控制”“數據安(an)全”逐(zhu)漸成(cheng)為銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)及金(jin)融(rong)科(ke)技(ji)企(qi)業(ye)(ye)關注(zhu)的(de)重點。
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07.15
2020
近(jin)年(nian)來，隨(sui)著(zhu)保(bao)險(xian)科(ke)(ke)技(ji)的(de)深入發展，保(bao)險(xian)科(ke)(ke)技(ji)的(de)產(chan)業(ye)機(ji)遇逐漸(jian)劃分為上下兩場，上半(ban)(ban)場的(de)主題是互聯網(wang)化，依(yi)托于產(chan)業(ye)互聯網(wang)浪潮，下半(ban)(ban)場的(de)主題是智(zhi)能(neng)(neng)化，依(yi)托于智(zhi)能(neng)(neng)革命。至(zhi)2018年(nian)保(bao)險(xian)科(ke)(ke)技(ji)已(yi)經覆蓋了保(bao)險(xian)行(xing)業(ye)的(de)全業(ye)務價值鏈，并(bing)呈現出(chu)效(xiao)率驅(qu)動(dong)逐漸(jian)向(xiang)客(ke)戶(hu)體驗(yan)驅(qu)動(dong)和(he)風(feng)險(xian)性(xing)質驅(qu)動(dong)切入和(he)滲透的(de)特(te)點。科(ke)(ke)技(ji)深度賦能(neng)(neng)保(bao)險(xian)業(ye)成為明顯(xian)趨(qu)勢(shi)，也預示著(zhu)保(bao)險(xian)從“互聯網(wang)保(bao)險(xian)”時(shi)代跨入“保(bao)險(xian)科(ke)(ke)技(ji)”時(shi)代。
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04.11
2019
隨著(zhu)監管(guan)力(li)度的(de)(de)(de)(de)不斷加強，整體市(shi)(shi)場風(feng)控(kong)能(neng)力(li)的(de)(de)(de)(de)不斷提高以及整體市(shi)(shi)場營銷(xiao)渠道的(de)(de)(de)(de)漸漸成熟(shu)，互聯網保(bao)(bao)險的(de)(de)(de)(de)發展(zhan)已經(jing)成為近幾(ji)年中國保(bao)(bao)險發展(zhan)的(de)(de)(de)(de)大趨勢(shi)之一(yi)。包括(kuo)螞蟻金(jin)服(fu)、騰訊、百度、美(mei)團等(deng)互聯網業巨(ju)頭先后入局，結(jie)合自身互聯網的(de)(de)(de)(de)特(te)點和優勢(shi)，從產(chan)品設(she)計、渠道融合、服(fu)務升級以及保(bao)(bao)險科(ke)技等(deng)方面，正在不斷拓展(zhan)保(bao)(bao)障(zhang)性產(chan)品的(de)(de)(de)(de)發展(zhan)空間，搶(qiang)占互聯網保(bao)(bao)險的(de)(de)(de)(de)“主跑道”。
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