基于SWOT-PEST分析矩阵的保险科技发展研究

Research on the Development of Insurtech Based on SWOTPEST Analysis Matrix

保险业已进入以新科技为主要驱动力的发展时代,而目前我国保险科技的发展尚不能满足行业的需要,特别是在相关学术研究领域的实践与探索进展缓慢。立足于保险科技发展的基本情况,根据我国经济社会发展的实际条件,通过SWOT-PEST分析矩阵,从政策、经济、社会和技术四个维度和内外部两个角度,分析保险科技发展的趋势和潜在的风险,为科学技术与保险行业的深度融合提供切实可行的理论参考。

The insurance industry has entered an era with new technology as the main driving force.Currently,the development of insurance technology in China still does not satisfy the needs of the insurance industry.especially,the practice and exploration in relevant academic research field proceed slowly.Based on basic situations of insurance technology,in accordance with actual conditions of economic and social development in China,SWOT-PEST analysis matrix is adopted to analyze the matrix from four dimensions(policy,economy,society and technology)and two angles(internal and external),and explore the trends and potential risks of insurance technology development,providing feasible theoretical reference for in-depth integration of S&T and insurance industry.