{"id":18580,"date":"2024-09-19T20:50:56","date_gmt":"2024-09-20T01:50:56","guid":{"rendered":"https:\/\/bolttech.io\/insight\/lam-the-nao-cac-cong-ty-bao-hiem-co-the-loai-bo-su-thien-vi-vo-thuc-khoi-danh-gia-rui-ro\/"},"modified":"2024-09-19T20:50:58","modified_gmt":"2024-09-20T01:50:58","slug":"lam-the-nao-cac-cong-ty-bao-hiem-co-the-loai-bo-su-thien-vi-vo-thuc-khoi-danh-gia-rui-ro","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-the-nao-cac-cong-ty-bao-hiem-co-the-loai-bo-su-thien-vi-vo-thuc-khoi-danh-gia-rui-ro\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 lo\u1ea1i b\u1ecf s\u1ef1 thi\u00ean v\u1ecb v\u00f4 th\u1ee9c kh\u1ecfi \u0111\u00e1nh gi\u00e1 r\u1ee7i ro"},"content":{"rendered":"\n<p>Thi\u00ean v\u1ecb v\u00f4 th\u1ee9c l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1ch m\u00e0 b\u1ed9 n\u00e3o con ng\u01b0\u1eddi c\u00f3 \u00fd ngh\u0129a v\u1ec1 m\u1ed9t m\u00f4i tr\u01b0\u1eddng ph\u1ee9c t\u1ea1p.\nNh\u1eefng th\u00e0nh ki\u1ebfn n\u00e0y s\u1eafp x\u1ebfp th\u00f4ng tin th\u00e0nh c\u00e1c danh m\u1ee5c \u0111\u1ec3 ra quy\u1ebft \u0111\u1ecbnh nhanh h\u01a1n. <\/p>\n\n<p>Trong m\u1ed9t th\u1ebf gi\u1edbi m\u00e0 s\u1ef1 s\u1ed1ng c\u00f2n b\u1ecb \u0111e d\u1ecda, s\u1ef1 thi\u00ean v\u1ecb v\u00f4 th\u1ee9c th\u01b0\u1eddng gi\u00fap con ng\u01b0\u1eddi s\u1ed1ng s\u00f3t.\nM\u1ed1i quan h\u1ec7 v\u00f4 th\u1ee9c \u0111\u1ed1i v\u1edbi c\u00e2y xanh kh\u1ecfe m\u1ea1nh so v\u1edbi c\u00e2y h\u00e9o, v\u00e0ng cung c\u1ea5p nhi\u1ec1u dinh d\u01b0\u1ee1ng h\u01a1n, v\u00ed d\u1ee5, trong khi gi\u1ea3i ph\u00f3ng n\u0103ng l\u01b0\u1ee3ng tinh th\u1ea7n cho c\u00e1c nhi\u1ec7m v\u1ee5 kh\u00e1c ngo\u00e0i vi\u1ec7c \u0111\u00e1nh gi\u00e1 t\u1eebng c\u00e2y ri\u00eang l\u1ebb. <\/p>\n\n<p>Tuy nhi\u00ean, ng\u00e0y nay, s\u1ef1 thi\u00ean v\u1ecb v\u00f4 th\u1ee9c c\u00f3 th\u1ec3 c\u1ea3n tr\u1edf vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh hi\u1ec7u qu\u1ea3.\n\u0110\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o ch\u00ednh x\u00e1c, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) c\u00f3 th\u1ec3 gi\u00fap c\u00e1c chuy\u00ean gia b\u1ea3o hi\u1ec3m tr\u00e1nh \u0111\u01b0\u1ee3c nh\u1eefng t\u00e1c \u0111\u1ed9ng ti\u00eau c\u1ef1c c\u1ee7a s\u1ef1 thi\u00ean v\u1ecb ti\u1ec1m \u1ea9n. <\/p>\n\n<h2 class=\"wp-block-heading\">AI v\u00e0 s\u1ef1 thi\u00ean v\u1ecb: Ch\u00fang ta \u0111\u1ee9ng \u1edf \u0111\u00e2u?<\/h2>\n\n<p>Ph\u01b0\u01a1ng ti\u1ec7n truy\u1ec1n th\u00f4ng \u0111\u01b0a tin v\u1ec1 h\u00e0nh vi thi\u00ean v\u1ecb c\u1ee7a c\u00e1c thu\u1eadt to\u00e1n tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o l\u00e0m cho vi\u1ec7c \u0111\u1ecdc th\u00fa v\u1ecb, nh\u01b0ng c\u0169ng c\u00f3 xu h\u01b0\u1edbng che khu\u1ea5t ho\u1eb7c b\u00f3p m\u00e9o tr\u1ea1ng th\u00e1i c\u1ee7a AI v\u00e0 thi\u00ean v\u1ecb nh\u01b0 hi\u1ec7n t\u1ea1i.<\/p>\n\n<p>AI c\u00f3 nguy c\u01a1 sao ch\u00e9p nh\u1eefng th\u00e0nh ki\u1ebfn c\u00f3 trong d\u1eef li\u1ec7u \u0111\u00e0o t\u1ea1o c\u1ee7a ch\u00ednh n\u00f3.\nV\u00ed d\u1ee5, c\u00e1c nghi\u00ean c\u1ee9u v\u1ec1 vi\u1ec7c s\u1eed d\u1ee5ng AI s\u1edbm trong tuy\u1ec3n d\u1ee5ng cho th\u1ea5y khi m\u1ed9t doanh nghi\u1ec7p ch\u1ee7 y\u1ebfu thu\u00ea nh\u00e2n vi\u00ean t\u1eeb m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ecdc, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng b\u00e1o c\u00e1o r\u1eb1ng theo h\u1ecdc m\u1ed9t trong nh\u1eefng tr\u01b0\u1eddng \u0111\u00f3 l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 thi\u1ebft y\u1ebfu \u0111\u1ec3 tuy\u1ec3n d\u1ee5ng th\u00e0nh c\u00f4ng.\nKh\u00f4ng gi\u1ed1ng nh\u01b0 con ng\u01b0\u1eddi, AI kh\u00f4ng c\u00f3 kho kinh nghi\u1ec7m s\u1ed1ng \u0111\u1ec3 r\u00fat ra; N\u00f3 ch\u1ec9 bi\u1ebft nh\u1eefng g\u00ec d\u1eef li\u1ec7u \u0111\u00e0o t\u1ea1o c\u1ee7a n\u00f3 c\u00f3 th\u1ec3 cho n\u00f3 bi\u1ebft.  <\/p>\n\n<p>Nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c nh\u1eefng r\u1ee7i ro thi\u00ean v\u1ecb trong AI, c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u ti\u1ebfp t\u1ee5c gi\u1ea3i quy\u1ebft c\u00e1c ngu\u1ed3n sai l\u1ec7ch thu\u1eadt to\u00e1n. <a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/nl\/Documents\/innovatie\/deloitte-nl-innovate-lu-ai-and-risk-management.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Tom Bigham<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Deloitte khuy\u00ean c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00ean xem x\u00e9t ba \u0111i\u1ec3m ch\u00ednh khi c\u00e2n nh\u1eafc vi\u1ec7c s\u1eed d\u1ee5ng AI so v\u1edbi c\u00e1c c\u00f4ng ngh\u1ec7 kh\u00e1c cho m\u1ed9t nhi\u1ec7m v\u1ee5:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>AI d\u1ef1a v\u00e0o m\u1ed9t t\u1eadp d\u1eef li\u1ec7u thay \u0111\u1ed5i li\u00ean t\u1ee5c cho c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u1ee7a m\u00ecnh, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1ch thu\u1eadt to\u00e1n c\u00e2n nh\u1eafc &#8211; ho\u1eb7c b\u1ecf qua &#8211; c\u00e1c y\u1ebfu t\u1ed1 nh\u1ea5t \u0111\u1ecbnh.<\/li>\n\n\n\n<li>D\u1eef li\u1ec7u \u0111\u1ea7u v\u00e0o ph\u1ea3i \u0111\u01b0\u1ee3c theo d\u00f5i sai l\u1ec7ch, n\u1ebfu kh\u00f4ng c\u00e1c m\u00f4 h\u00ecnh AI s\u1ebd coi c\u00e1c ph\u00e1n \u0111o\u00e1n c\u1ee7a con ng\u01b0\u1eddi l\u00e0 y\u00eau c\u1ea7u kh\u00e1ch quan.<\/li>\n\n\n\n<li>Nh\u1eefng ng\u01b0\u1eddi t\u1ea1o v\u00e0 ph\u00e1t tri\u1ec3n c\u00e1c gi\u1ea3i ph\u00e1p AI n\u00ean xem x\u00e9t s\u1ef1 thi\u00ean v\u1ecb ngay t\u1eeb \u0111\u1ea7u, v\u00ec v\u1eady AI kh\u00f4ng ph\u1ea3i \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh sau n\u00e0y.<\/li>\n<\/ul>\n\n<p>Nh\u1eadn th\u1ee9c v\u1ec1 m\u1ed1i quan t\u00e2m thi\u00ean v\u1ecb l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1ch t\u1ed1t nh\u1ea5t m\u00e0 ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 chu\u1ea9n b\u1ecb v\u00e0 gi\u1ea3i quy\u1ebft s\u1ef1 thi\u00ean v\u1ecb trong AI &#8211; v\u00e0 s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 n\u00e0y \u0111\u1ec3 ch\u1ed1ng l\u1ea1i hi\u1ec7u qu\u1ea3 nh\u1eefng th\u00e0nh ki\u1ebfn v\u00f4 th\u1ee9c c\u1ee7a ch\u00ednh h\u1ecd.<\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/office-standup-meeting-1024x683.jpg\" alt=\"\" class=\"wp-image-11488\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/office-standup-meeting-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/office-standup-meeting-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/office-standup-meeting-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/office-standup-meeting.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">H\u1ee3p t\u00e1c gi\u1eefa con ng\u01b0\u1eddi v\u00e0 c\u00f4ng ngh\u1ec7 l\u00e0m gi\u1ea3m s\u1ef1 thi\u00ean v\u1ecb<\/h2>\n\n<p>Ch\u1ed1ng l\u1ea1i s\u1ef1 thi\u00ean v\u1ecb trong tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o kh\u00f4ng \u0111\u01a1n gi\u1ea3n nh\u01b0 t\u1ea1o ra c\u00e1c b\u1ed9 d\u1eef li\u1ec7u kh\u00f4ng thi\u00ean v\u1ecb ho\u1eb7c gi\u00e1m s\u00e1t vi\u1ec7c t\u1ea1o ra c\u00e1c quy tr\u00ecnh h\u1ecdc m\u00e1y.\nThay v\u00e0o \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i xem x\u00e9t to\u00e0n b\u1ed9 b\u1ed1i c\u1ea3nh m\u00e0 c\u00e1c c\u00f4ng c\u1ee5 AI ho\u1ea1t \u0111\u1ed9ng &#8211; bao g\u1ed3m c\u1ea3 c\u00e1ch c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y giao nhau v\u1edbi n\u1ed7 l\u1ef1c c\u1ee7a con ng\u01b0\u1eddi. <\/p>\n\n<p>&#8220;N\u1ebfu ch\u00fang ta mu\u1ed1n ph\u00e1t tri\u1ec3n c\u00e1c h\u1ec7 th\u1ed1ng AI \u0111\u00e1ng tin c\u1eady, ch\u00fang ta c\u1ea7n xem x\u00e9t t\u1ea5t c\u1ea3 c\u00e1c y\u1ebfu t\u1ed1 c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m ni\u1ec1m tin c\u1ee7a c\u00f4ng ch\u00fang v\u00e0o AI. Nhi\u1ec1u y\u1ebfu t\u1ed1 trong s\u1ed1 n\u00e0y v\u01b0\u1ee3t ra ngo\u00e0i b\u1ea3n th\u00e2n c\u00f4ng ngh\u1ec7 \u0111\u1ebfn t\u00e1c \u0111\u1ed9ng c\u1ee7a c\u00f4ng ngh\u1ec7&#8221;, <a href=\"https:\/\/www.nist.gov\/news-events\/news\/2022\/03\/theres-more-ai-bias-biased-data-nist-report-highlights\" target=\"_blank\" rel=\"noreferrer noopener\">Reva Schwartz<\/a> t\u1ea1i Vi\u1ec7n Ti\u00eau chu\u1ea9n v\u00e0 C\u00f4ng ngh\u1ec7 Qu\u1ed1c gia cho bi\u1ebft.<\/p>\n\n<p>H\u1ec7 th\u1ed1ng AI ho\u1ea1t \u0111\u1ed9ng theo ng\u1eef c\u1ea3nh.\nTrong b\u1ea3o hi\u1ec3m, b\u1ed1i c\u1ea3nh \u0111\u00f3 l\u00e0 th\u1ebf gi\u1edbi c\u1ee7a c\u00e1c chuy\u00ean gia v\u00e0 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, c\u00e1c quy\u1ebft \u0111\u1ecbnh c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 kho d\u1eef li\u1ec7u kh\u1ed5ng l\u1ed3 h\u1ed7 tr\u1ee3 c\u00e1c quy\u1ebft \u0111\u1ecbnh b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh v\u00e0 ph\u00e2n ph\u1ed1i.\nC\u00e1c chuy\u00ean gia b\u1ea3o hi\u1ec3m ph\u1ea3i li\u00ean t\u1ee5c theo d\u00f5i c\u00e1c h\u1ec7 th\u1ed1ng AI \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c ph\u00e2n t\u00edch v\u00e0 khuy\u1ebfn ngh\u1ecb c\u1ee7a h\u1ecd tu\u00e2n th\u1ee7 c\u1ea3 th\u1ef1c ti\u1ec5n khoa h\u1ecdc d\u1eef li\u1ec7u t\u1ed1t v\u00e0 \u0111\u1ea1o \u0111\u1ee9c kinh doanh c\u1ee7a t\u1ed5 ch\u1ee9c.  <\/p>\n\n<p>S\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o c\u00f3 th\u1ec3 gi\u00fap ch\u1ed1ng l\u1ea1i nh\u1eefng th\u00e0nh ki\u1ebfn v\u00f4 th\u1ee9c c\u1ee7a con ng\u01b0\u1eddi theo nhi\u1ec1u c\u00e1ch:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>AI c\u00f3 th\u1ec3 ti\u1ebft l\u1ed9 c\u00e1c m\u00f4 h\u00ecnh v\u00e0 xu h\u01b0\u1edbng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u &#8211; kh\u00f4ng d\u1ef1a tr\u00ean c\u00e1c gi\u1ea3 \u0111\u1ecbnh v\u00f4 th\u1ee9c.<\/li>\n\n\n\n<li>K\u1ebft qu\u1ea3 AI c\u00f3 th\u1ec3 \u0111\u1eb7t ra nh\u1eefng c\u00e2u h\u1ecfi m\u1edbi mang l\u1ea1i nh\u1eefng th\u00e0nh ki\u1ebfn v\u00f4 th\u1ee9c cho s\u1ef1 ch\u00fa \u00fd c\u00f3 \u00fd th\u1ee9c, n\u01a1i con ng\u01b0\u1eddi c\u00f3 th\u1ec3 ch\u1ed1ng l\u1ea1i ch\u00fang.<\/li>\n\n\n\n<li>Th\u00f4ng qua ph\u00e2n t\u00edch d\u1ef1 \u0111o\u00e1n, AI c\u00f3 th\u1ec3 \u0111\u01b0a ra c\u00e1c \u0111\u1ec1 xu\u1ea5t v\u00e0 d\u1ef1 b\u00e1o kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ef1 thi\u00ean v\u1ecb v\u00f4 th\u1ee9c.<\/li>\n<\/ul>\n\n<p>\u0110\u01b0\u1ee3c s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3, AI c\u00f3 th\u1ec3 ch\u1ed1ng l\u1ea1i xu h\u01b0\u1edbng c\u1ee7a con ng\u01b0\u1eddi \u0111\u1ed1i v\u1edbi s\u1ef1 thi\u00ean v\u1ecb v\u00f4 th\u1ee9c.\nB\u1eb1ng c\u00e1ch \u0111\u00f3, AI c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft trong khi c\u00e2n b\u1eb1ng chi ph\u00ed v\u00e0 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u <a href=\"https:\/\/www.sciencedirect.com\/science\/article\/pii\/S2666389921002245\" target=\"_blank\" rel=\"noreferrer noopener\">Martin Mullins, Christopher P. Holland v\u00e0 Martin Cunneen<\/a> vi\u1ebft trong s\u1ed1 ra n\u0103m 2021 c\u1ee7a Patterns.\nKhi b\u1ea3o hi\u1ec3m tr\u1edf n\u00ean d\u1ec5 ti\u1ebfp c\u1eadn h\u01a1n, kho\u1ea3ng c\u00e1ch b\u1ea3o hi\u1ec3m thu h\u1eb9p, gi\u1ea3m t\u00e1c \u0111\u1ed9ng th\u1ea3m kh\u1ed1c c\u1ee7a t\u1ed5n th\u1ea5t.  <\/p>\n\n<p>T\u1ea5t c\u1ea3 AI \u0111\u01b0\u1ee3c t\u1ea1o ra b\u1edfi con ng\u01b0\u1eddi.\nK\u1ebft qu\u1ea3 l\u00e0, n\u00f3 c\u00f3 th\u1ec3 t\u00e1i t\u1ea1o nh\u1eefng th\u00e0nh ki\u1ebfn c\u1ee7a ch\u00ednh ch\u00fang ta.\nTuy nhi\u00ean, \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng m\u1ed9t c\u00e1ch chu \u0111\u00e1o, AI c\u0169ng c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 ch\u1ed1ng l\u1ea1i h\u00e0nh vi v\u00f4 th\u1ee9c c\u1ee7a ch\u00ednh ch\u00fang ta v\u00e0 c\u00e1c ph\u00edm t\u1eaft ra quy\u1ebft \u0111\u1ecbnh.  <\/p>\n\n<p><em>\u1ea2nh: andreypopov\/\u00a9123RF.com, milkos\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thi\u00ean v\u1ecb v\u00f4 th\u1ee9c l\u00e0 m\u1ed9t trong nh\u1eefng c\u00e1ch m\u00e0 b\u1ed9 n\u00e3o con ng\u01b0\u1eddi c\u00f3 \u00fd ngh\u0129a v\u1ec1 m\u1ed9t m\u00f4i tr\u01b0\u1eddng ph\u1ee9c t\u1ea1p. Nh\u1eefng th\u00e0nh ki\u1ebfn n\u00e0y s\u1eafp x\u1ebfp th\u00f4ng tin th\u00e0nh c\u00e1c danh m\u1ee5c \u0111\u1ec3 ra quy\u1ebft \u0111\u1ecbnh nhanh h\u01a1n. Trong m\u1ed9t th\u1ebf gi\u1edbi m\u00e0 s\u1ef1 s\u1ed1ng c\u00f2n b\u1ecb \u0111e d\u1ecda, s\u1ef1 thi\u00ean v\u1ecb [&hellip;]<\/p>\n","protected":false},"featured_media":11507,"template":"","insight-category":[],"class_list":["post-18580","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/18580","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/11507"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=18580"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=18580"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}