打造赋有物联网基因的保险业态

Creating Insurance Formats with IOT Gene

随着感知技术、网络技术和大数据技术的不断融合,物联网在保险行业的应用已经成为保险业创新发展的有效路径。物联网背景下,我国传统保险业存在着保费收取缺乏公平性和科学性、社会价值有待进一步挖掘、客户体验感有待提升、信息不对称引致道德风险与逆向选择等一系列痛点,已经成为制约保险业实现跨越式发展的瓶颈。然而物联网技术在保险业各个流程的广泛应用,能够通过险情预警、精准定价、精准营销、决策支持和安全防范等方式解决传统保险业上述痛点。物联网保险属于跨行业、跨领域的金融创新,要想打造具有物联网基因的保险业态,需要从政府部门、监管部门、保险公司同时出发,全方位、多角度的利用物联网技术推动保险业创新发展。

With the integration of sensing technology,network technology and big data technology,the application of Internet of things in insurance industry has become an effective path for the innovation and development of nsurance industry.Under the background of Internet of things,China＇s traditional insurance premium has the lack of airness and scientific,social value for further mining,sense of customer experience needs to be improved,and the information asymmetry caused by moral hazard and adverse selection and a series of pain points,which has become the bottleneck factor of the insurance industry to achieve leapfrog development.The application of Internet of things technology in each process of the insurance industry can solve the above-mentioned pain points in the traditional insurance industry through emergency warning,accurate pricing,accurate marketing,decision support and security protection.Internet of things insurance belongs to cross-industry and cross-domain financial innovation.We should start from the three aspects of the government,regulatory authorities and insurance companies to create insurance formats with the Internet of things using the Internet of things technology to promote the innovative development of the insurance industry in all directions and angles.