刍议新技术革命对寿险业的潜在冲击

Preliminary Discussion on Potential Impact of New Technology Revolution on Life Insurance Industry

历史上每一次技术革命都引起了社会总体技术结构的变化,产生广泛而深刻的影响,改变了人类的生产、生活方式。新技术革命对人寿保险业在产品设计、管理方式、交易方式等方面也将产生巨大影响,特别是生命科学的突破性进展还可能对人寿保险业经营的基础构成冲击。本文对当今新技术革命对寿险业构成的潜在冲击进行了分析,提出通过产品创新、加强风险管理、提高保险资金投资运作水平、改进监管等对策应对可能出现的潜在冲击。

Every technology revolution in history has aroused a general change of technology structure in the society with broad and profound impacts, which has changed the styles of production and life for human beings. The new technology revolution will have tremendous influences on life insurance industry in product design, managerial method, dealing style, etc. Especially, the breakthrough progress in life science maybe will have an impact on the operational base of life insurance industry. This article analyses the potential impact of new technology upon life insurance industry and puts forward the countermeasures against the probable potential impacts including the product innovation, risk management, enhancement in the capability to operate insurance capital, improvement in regulatory measures, etc.