摘要
保险科技是为了提高保险行业经营效率,推动保险行业转型升级而应用的创新技术,现阶段保险科技的核心技术包括人工智能、区块链、大数据和物联网等。保险科技推动了农业保险实现电子化、互联网化、智能化,它也将促进农业保险实现产品创新、科学定价、精准承保以及精准勘损理赔,最终表现为促进农业保险公司降低经营成本,提升经营效率。
Insurtech is an innovative technology applied to improve the operation efficiency of the insurance industry and promote the transformation and upgrading of the insurance industry.At present,the core technologies of insurtech include artificial intelligence,block chain,big data and Internet of things.Insurtech has promoted the realization of electronic,internet-based and intelligent agricultural insurance.It will also promote the realization of product innovation,scientific pricing,accurate underwriting,accurate damage assessment and compensation,and ultimately promote the reduction of operating costs and the improvement of operating efficiency of agricultural insurance companies.
作者
张志鹏
陈盛伟
Zhang Zhipeng;Chen Shengwei(College of Economics and Management,Shandong Agricultural University,Taian Shandong 271018)
出处
《对外经贸》
2020年第5期107-110,共4页
FOREIGN ECONOMIC RELATIONS & TRADE
基金
国家自然基金项目“玉米连续性和共生性致灾因子气象指数保险产品构建及差异性分析”(项目编号:71773067)
教育部人文社会科学项目“主粮作物天气指数保险的风险保障效率测度及影响机理研究——与传统农业保险的比较”(项目编号:18YJC630126)。
关键词
农业保险
保险科技
信息不对称
市场失灵
Agricultural Insurance
Insurtech
Information Asymmetry
Market Failure
