{"id":20004,"date":"2024-09-20T14:51:59","date_gmt":"2024-09-20T19:51:59","guid":{"rendered":"https:\/\/bolttech.io\/insights\/ai-%e5%9c%a8%e5%95%86%e4%b8%9a%e4%bf%9d%e9%99%a9%e4%b8%ad%e4%b8%8d%e6%96%ad%e5%8f%98%e5%8c%96%e7%9a%84%e8%a7%92%e8%89%b2\/"},"modified":"2024-09-20T14:52:03","modified_gmt":"2024-09-20T19:52:03","slug":"ai-%e5%9c%a8%e5%95%86%e4%b8%9a%e4%bf%9d%e9%99%a9%e4%b8%ad%e4%b8%8d%e6%96%ad%e5%8f%98%e5%8c%96%e7%9a%84%e8%a7%92%e8%89%b2","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/ai-%e5%9c%a8%e5%95%86%e4%b8%9a%e4%bf%9d%e9%99%a9%e4%b8%ad%e4%b8%8d%e6%96%ad%e5%8f%98%e5%8c%96%e7%9a%84%e8%a7%92%e8%89%b2\/","title":{"rendered":"AI \u5728\u5546\u4e1a\u4fdd\u9669\u4e2d\u4e0d\u65ad\u53d8\u5316\u7684\u89d2\u8272"},"content":{"rendered":"\n<p>\u5728\u8fc7\u53bb\u7684\u51e0\u5341\u5e74\u91cc\uff0c\u4eba\u5de5\u667a\u80fd\u5df2\u7ecf\u4ece\u79d1\u5e7b\u5c0f\u8bf4\u53d8\u6210\u4e86\u666e\u901a\u7528\u9014\u3002\n\u4e0e\u7b80\u5355\u5730\u6267\u884c\u4e00\u7cfb\u5217\u9884\u5148\u7f16\u5199\u7684\u6307\u4ee4\u7684\u4f20\u7edf\u8ba1\u7b97\u673a\u7a0b\u5e8f\u4e0d\u540c\uff0cAI \u53ef\u4ee5\u9002\u5e94\u63d0\u4f9b\u7ed9\u5b83\u7684\u4fe1\u606f\u3002\n\u8fd9\u79cd\u80fd\u529b\u4f7f\u7a0b\u5e8f\u5458\u80fd\u591f\u521b\u5efa\u80fd\u591f\u66f4\u5feb\u3001\u66f4\u9ad8\u6548\u5730\u8bc6\u522b\u6a21\u5f0f\u3001\u63a8\u65ad\u9884\u6d4b\u548c\u7ba1\u7406\u4fe1\u606f\u7684\u8f6f\u4ef6\u3002  <\/p>\n\n<p>\u53d1\u73b0\u6a21\u5f0f\u548c\u6807\u8bb0\u98ce\u9669\u7684\u80fd\u529b\u4f7f AI \u5728\u5546\u4e1a\u4fdd\u9669\u4e2d\u7279\u522b\u6709\u4ef7\u503c\u3002\n\u65b0\u7684\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u548c\u6210\u719f\u7684\u4fdd\u9669\u516c\u53f8\u90fd\u5728\u91c7\u7528\u4eba\u5de5\u667a\u80fd\u6765\u5b9e\u73b0\u8fd9\u4e9b\u80fd\u529b\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\u9009\u62e9 AI\uff1f<\/h2>\n\n<p>\u5728\u4ed6\u4eec\u7684\u300a\u57fa\u4e8e\u7ecf\u6d4e\u548c\u91d1\u878d\u77e5\u8bc6\u7684\u5904\u7406\u300b\u4e00\u4e66\u4e2d\uff0c\u7814\u7a76\u4eba\u5458 <a href=\"https:\/\/link.springer.com\/chapter\/10.1007\/978-3-642-76002-0_4#citeas\" target=\"_blank\" rel=\"noreferrer noopener\">Louis F. Pau \u548c Claudio Gianotti<\/a> \u7814\u7a76\u4e86\u4eba\u5de5\u667a\u80fd\u5728\u5305\u62ec\u4fdd\u9669\u5728\u5185\u7684\u5404\u4e2a\u884c\u4e1a\u4e2d\u95ee\u9898\u7684\u5927\u7ea6 250 \u79cd\u4e0d\u540c\u7684\u5e94\u7528\u3002\n\u4ed6\u4eec\u53d1\u73b0\uff0c\u63a5\u53d7\u8c03\u67e5\u7684\u516c\u53f8\u4e4b\u6240\u4ee5\u8f6c\u5411 AI\uff0c\u662f\u56e0\u4e3a AI \u5728\u89e3\u51b3\u6bd4\u4f20\u7edf\u7a0b\u5e8f\u66f4\u590d\u6742\u7684\u95ee\u9898\u65b9\u9762\u6709\u7528\uff0c\u80fd\u591f\u63d0\u4f9b\u66f4\u5feb\u3001\u66f4\u51c6\u786e\u7684\u4fe1\u606f\uff0c\u5e76\u4e14\u5177\u6709\u964d\u4f4e\u98ce\u9669\u7684\u6f5c\u529b\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u66f4\u597d\u7684\u6570\u636e\u9a71\u52a8\u578b\u51b3\u7b56<\/h3>\n\n<p>\u5bf9\u4e8e\u4fdd\u9669\u884c\u4e1a\u6765\u8bf4\uff0cAI \u53ef\u4ee5\u66f4\u8f7b\u677e\u5730\u7ba1\u7406\u4fdd\u9669\u516c\u53f8\u53ca\u5176\u5ba2\u6237\u751f\u6210\u7684\u5927\u91cf\u6570\u636e\u3002<\/p>\n\n<p>\u201c\u4fdd\u9669\u4e00\u76f4\u662f\u4e00\u9879\u6570\u636e\u4e1a\u52a1\uff0c\u201d <a href=\"https:\/\/www.boltinc.com\/about?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.14.1725204964040&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">Bolt<\/a> \u4ea7\u54c1\u526f\u603b\u88c1 David Lewin \u8bf4\u3002\n\u201cAI \u5e26\u6765\u4e86\u4e00\u79cd\u5168\u65b0\u7684\u65b9\u5f0f\u6765\u89e3\u91ca\u6570\u636e\uff0c\u5e76\u5728\u6218\u7565\u548c\u4ea4\u6613\u5c42\u9762\u5e26\u6765\u6709\u610f\u4e49\u7684\u89c1\u89e3\u3002 <\/p>\n\n<p>\u201c\u5229\u7528\u4eba\u5de5\u667a\u80fd\u6280\u672f\u5c06\u4f7f\u627f\u4fdd\u4eba\u80fd\u591f\u4ece\u57fa\u4e8e\u89c4\u5219\u7684\u624b\u52a8\u548c\u7ebf\u6027\u51b3\u7b56\u8f6c\u5411\u66f4\u51c6\u786e\u7684\u8ba1\u7b97\u673a\u751f\u6210\u4fe1\u606f\u2014\u2014\u6700\u7ec8\u4f7f\u627f\u4fdd\u4eba\u80fd\u591f\u81ea\u52a8\u5316\u66f4\u7b80\u5355\u7684\u6848\u4f8b\uff0c\u5e76\u5229\u7528\u6570\u636e\u6765\u534f\u52a9\u66f4\u590d\u6742\u548c\u66f4\u5927\u7684\u4e1a\u52a1\u3002\u201d<\/p>\n\n<p>\u745e\u58eb\u518d\u4fdd\u9669\u7684\u627f\u4fdd\u4eba\u6cd5\u5f8b\u987e\u95ee\u517c\u9ad8\u7ea7\u7406\u8d54\u4e13\u5bb6 <a href=\"https:\/\/riskandinsurance.com\/ai-transforms-underwriting\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kate Browne<\/a> \u5f3a\u8c03\u4e86 David \u7684\u89c2\u70b9\uff0c\u5979\u6307\u51fa\u5f88\u5c11\u6709\u884c\u4e1a\u6bd4\u4fdd\u9669\u4e1a\u62e5\u6709\u66f4\u591a\u7684\u6570\u636e\u3002\n\u90a3\u4e48\uff0c\u95ee\u9898\u5728\u4e8e\u4e86\u89e3\u5982\u4f55\u5904\u7406\u6240\u6709\u8fd9\u4e9b\u6570\u636e\u3002 <\/p>\n\n<p>\u201c\u4eba\u7c7b\u5c31\u662f\u6ca1\u6709\u80fd\u529b\u5904\u7406\u6211\u4eec\u73b0\u5728\u83b7\u5f97\u7684\u5927\u91cf\u6570\u636e\uff0c\u201dBrowne \u8bf4\u3002\n\u201c\u8fd9\u5c31\u662f AI \u7684\u7ade\u4e89\u4f18\u52bf\uff0c\u80fd\u591f\u5229\u7528\u8fd9\u4e9b\u6570\u636e\u6d2a\u6d41\u505a\u51fa\u66f4\u597d\u7684\u51b3\u7b56\u3002\u201d <\/p>\n\n<h3 class=\"wp-block-heading\">\u5c06 AI \u89c6\u4e3a\u4e00\u79cd\u6218\u7565\u80fd\u529b<\/h3>\n\n<p>AI \u7684\u5f3a\u5927\u4e4b\u5904\u5728\u4e8e\u5176\u7075\u6d3b\u6027\u3002\n\u901a\u8fc7\u8bad\u7ec3\u4eba\u5de5\u667a\u80fd\u89e3\u51b3\u7279\u5b9a\u7c7b\u578b\u7684\u95ee\u9898\uff0c\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u548c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u6784\u5efa\u5b8c\u6210\u4e00\u7cfb\u5217\u7279\u5b9a\u4efb\u52a1\u6240\u9700\u7684\u5de5\u5177\uff0c\u8ba9\u4eba\u5de5\u627f\u4fdd\u4eba\u80fd\u591f\u4e13\u6ce8\u4e8e\u8ba1\u7b97\u673a\u80fd\u529b\u4e4b\u5916\u7684\u5de5\u4f5c\u3002 <\/p>\n\n<p>\u201c\u867d\u7136\u8bb8\u591a\u4fdd\u9669\u516c\u53f8\u5f00\u59cb\u770b\u5230 AI \u5e94\u7528\u7a0b\u5e8f\u7684\u597d\u5904\uff0c\u4f46\u63a8\u52a8\u53ef\u89c2\u56de\u62a5\u7684\u516c\u53f8\u6b63\u5728\u5c06 AI \u89c6\u4e3a\u4e00\u79cd\u529f\u80fd\uff0c\u800c\u4e0d\u662f\u4e00\u79cd\u5de5\u5177\uff0c\u201d <a href=\"https:\/\/www.exlservice.com\/disrupt-or-die-the-emerging-role-of-ai-technologies-in-the-insurance-market\" target=\"_blank\" rel=\"noreferrer noopener\">Sumit Taneja \u548c Rupesh Malik<\/a> \u5728 EXL \u767d\u76ae\u4e66\u4e2d\u5199\u9053\u3002<\/p>\n\n<p>\u901a\u8fc7\u5c06 AI \u7684\u516d\u4e2a\u7279\u5b9a\u65b9\u9762\uff08\u673a\u5668\u5b66\u4e60\u3001\u81ea\u7136\u8bed\u8a00\u5904\u7406\u3001\u884c\u4e3a\u6570\u636e\u6a21\u578b\u3001\u8bed\u97f3\u8eab\u4efd\u9a8c\u8bc1\u3001\u8ba1\u7b97\u673a\u89c6\u89c9\u548c\u7269\u8054\u7f51\uff09\u7eb3\u5165\u5176\u8fd0\u8425\u7b56\u7565\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u6700\u5927\u9650\u5ea6\u5730\u5229\u7528 AI \u529f\u80fd\u4e3a\u627f\u4fdd\u4eba\u5e26\u6765\u7684\u597d\u5904\u3002<\/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\/inspecting-damaged-car--1024x683.jpg\" alt=\"\" class=\"wp-image-8532\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/inspecting-damaged-car--1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/inspecting-damaged-car--300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/inspecting-damaged-car--768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/inspecting-damaged-car-.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u4eba\u5de5\u667a\u80fd\u5728\u884c\u52a8<\/h2>\n\n<p>\u4eba\u5de5\u667a\u80fd\u5df2\u7ecf\u5728\u6539\u53d8\u4fdd\u9669\u516c\u53f8\u7684\u7ecf\u8425\u65b9\u5f0f\u3002\n\u4e00\u4e2a\u5173\u952e\u4f46\u7ecf\u5e38\u88ab\u5ffd\u89c6\u7684\u53d8\u5316\u662f AI \u7684\u529b\u91cf\uff0c\u5b83\u53ef\u4ee5\u4f7f\u4fdd\u9669\u516c\u53f8\u548c\u88ab\u4fdd\u9669\u4eba\u7684\u89c2\u70b9\u548c\u76ee\u6807\u4fdd\u6301\u4e00\u81f4\u3002 <\/p>\n\n<p>\u201c\u4ece\u5386\u53f2\u4e0a\u770b\uff0c\u4fdd\u9669\u5408\u540c\u7684\u5404\u65b9\u2014\u2014\u4fdd\u9669\u516c\u53f8\u548c\u88ab\u4fdd\u9669\u4eba\u2014\u2014\u603b\u662f\u62e5\u6709\u4e00\u7ec4\u4e0d\u540c\u7684\u4fe1\u606f\uff0c\u201d\u6cd5\u518d\u8463\u4e8b\u957f\u517c\u9996\u5e2d\u6267\u884c\u5b98 <a href=\"https:\/\/www.scor.com\/sites\/default\/files\/focus_scor-artificial_intelligence.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e39\u5c3c\u65af\u00b7\u51ef\u65af\u52d2 \uff08Denis Kessler<\/a>\uff09 \u5199\u9053\u3002\n\u56e0\u6b64\uff0c\u53cc\u65b9\u90fd\u91c7\u53d6\u4e86\u6218\u7565\u6027\u884c\u52a8\uff0c\u8bd5\u56fe\u63a8\u65ad\u51fa\u5bf9\u65b9\u77e5\u9053\u7684\u4e8b\u60c5\u3002\n\u4f8b\u5982\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u4f1a\u5c31\u88ab\u4fdd\u9669\u4eba\u7684\u5404\u79cd\u884c\u4e3a\u8fdb\u884c\u6c11\u610f\u8c03\u67e5\uff0c\u800c\u88ab\u4fdd\u9669\u4eba\u53ef\u80fd\u4f1a\u5c1d\u8bd5\u4ee5\u4e00\u79cd\u5e26\u6765\u66f4\u5927\u4f18\u52bf\u7684\u65b9\u5f0f\u63cf\u8ff0\u98ce\u9669\u6216\u635f\u5931\u3002  <\/p>\n\n<p>\u4fdd\u9669\u516c\u53f8\u6240\u77e5\u9053\u7684\u548c\u88ab\u4fdd\u9669\u4eba\u6240\u77e5\u9053\u7684\u4e4b\u95f4\u7684\u5dee\u5f02\u53cd\u8fc7\u6765\u53c8\u5bfc\u81f4\u4e86\u4fe1\u4efb\u7684\u7f3a\u4e4f\u3002\n\u7136\u800c\uff0c\u901a\u8fc7\u4f7f\u7528\u4eba\u5de5\u667a\u80fd\u6765\u8bc4\u4f30\u98ce\u9669\u548c\u627f\u4fdd\u7279\u5b9a\u4fdd\u5355\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u5c06\u5ba2\u6237\u7684\u9700\u6c42\u3001\u7406\u89e3\u548c\u5229\u76ca\u4e0e\u4ed6\u4eec\u81ea\u5df1\u7684\u9700\u6c42\u3001\u7406\u89e3\u548c\u5229\u76ca\u4fdd\u6301\u4e00\u81f4\u3002\n\u4fdd\u9669\u516c\u53f8\u548c\u88ab\u4fdd\u9669\u4eba\u6210\u4e3a\u5bf9\u6297\u98ce\u9669\u7684\u76df\u53cb\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u5c06 AI \u5e94\u7528\u4e8e\u98ce\u9669\u8bc4\u4f30<\/h3>\n\n<p>\u591a\u5e74\u6765\uff0c\u7814\u7a76\u4eba\u5458\u4e00\u76f4\u5728\u5bfb\u6c42\u5c06\u4eba\u5de5\u667a\u80fd\u5e94\u7528\u4e8e\u98ce\u9669\u8bc4\u4f30\u3002\n2002 \u5e74\uff0c\u53d1\u660e\u5bb6 <a href=\"https:\/\/patentimages.storage.googleapis.com\/0d\/a0\/b9\/737620a9755c83\/US20020055862A1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Jill K. Jinks<\/a> \u63d0\u4ea4\u4e86\u4e00\u9879\u7f8e\u56fd\u4e13\u5229\u7533\u8bf7\uff0c\u7533\u8bf7\u4e86\u201c\u4e00\u79cd\u5728\u4ea4\u4e92\u5f0f\u7cfb\u7edf\u4e2d\u4ea4\u4e92\u5f0f\u8bc4\u4f30\u5546\u4e1a\u4fdd\u9669\u98ce\u9669\u7684\u7cfb\u7edf\u548c\u65b9\u6cd5\u201d\uff0c\u4ee3\u7406\u4eba\u3001\u8fd0\u8425\u5546\u548c\u4fdd\u9669\u670d\u52a1\u5668\u90fd\u5728\u5176\u4e2d\u53d1\u6325\u4f5c\u7528\u3002 <\/p>\n\n<p>\u5982\u4eca\uff0c\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u4ee5\u5404\u79cd\u65b9\u5f0f\u5c06 AI \u5e94\u7528\u4e8e\u627f\u4fdd\u95ee\u9898\u3002\n\u4e00\u79cd\u65b9\u6cd5\u662f\u901a\u8fc7\u8003\u8651\u53ef\u80fd\u4e0d\u4f1a\u5f15\u8d77\u627f\u4fdd\u4eba\u6ce8\u610f\u7684\u56e0\u7d20\uff0c\u63d0\u4f9b\u66f4\u51c6\u786e\u7684\u6f5c\u5728\u98ce\u9669\u89c6\u56fe\u3002\nCytora \u9996\u5e2d\u6267\u884c\u5b98\u517c\u8054\u5408\u521b\u59cb\u4eba <a href=\"https:\/\/www.insurancejournal.com\/news\/international\/2019\/07\/17\/532540.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Richard Hartley<\/a> \u8868\u793a\uff0c\u8fd9\u4e9b\u5de5\u5177\u5bf9\u4e8e\u5728\u5229\u6da6\u7387\u8d8a\u6765\u8d8a\u4f4e\u7684\u65f6\u4ee3\u5bfb\u6c42\u63d0\u9ad8\u7efc\u5408\u8fd0\u8425\u6bd4\u7387\u7684\u516c\u53f8\u7279\u522b\u6709\u7528\u3002  <\/p>\n\n<p>\u7136\u800c\uff0c\u98ce\u9669\u8bc4\u4f30\u672c\u8eab\u53ea\u662f\u4eba\u5de5\u667a\u80fd\u5e2e\u52a9\u5546\u4e1a\u4fdd\u9669\u516c\u53f8\u5e94\u5bf9\u5f53\u4eca\u6311\u6218\u7684\u4e00\u79cd\u65b9\u5f0f\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u5e2e\u52a9\u627f\u9500\u5546\u5e2e\u52a9\u5ba2\u6237<\/h3>\n\n<p>\u867d\u7136 AI \u5de5\u5177\u548c\u529f\u80fd\u53ef\u4ee5\u5e2e\u52a9\u4fdd\u9669\u516c\u53f8\u66f4\u597d\u5730\u4fdd\u62a4\u81ea\u5df1\u7684\u5e95\u7ebf\uff0c\u4f46\u5b83\u4eec\u53ef\u4ee5\u540c\u65f6\u5e2e\u52a9\u4fdd\u9669\u5ba2\u6237\u83b7\u5f97\u4ed6\u4eec\u6240\u9700\u7684\u4e2a\u6027\u5316\u670d\u52a1\u548c\u4ed6\u4eec\u5b9e\u9645\u9700\u8981\u7684\u4fdd\u9669\u3002<\/p>\n\n<p>Cognizant <a href=\"https:\/\/www.cognizant.com\/case-studies\/pdfs\/ai-solution-for-flood-insurance-underwriting-codex3640.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u6848\u4f8b\u7814\u7a76<\/a> \u63cf\u8ff0\u4e86\u5982\u4f55\u4f7f\u7528\u4eba\u5de5\u667a\u80fd\u6765\u66f4\u597d\u5730\u4e86\u89e3\u3001\u5efa\u6a21\u548c\u9884\u6d4b\u6d2a\u6c34\u98ce\u9669\uff0c\u4ece\u800c\u66f4\u597d\u5730\u627f\u4fdd\u4fdd\u5355\u5e76\u4e86\u89e3\u7f8e\u56fd\u6d2a\u6c34\u4fdd\u9669\u5e02\u573a\u7684\u771f\u5b9e\u89c4\u6a21\u548c\u8303\u56f4\u3002\n\u901a\u8fc7\u4f7f\u7528\u5927\u91cf\u7684\u5730\u7406\u548c\u4eba\u53e3\u7edf\u8ba1\u6570\u636e\u8bad\u7ec3\u8f6f\u4ef6\uff0cCognizant \u521b\u5efa\u4e86\u4e00\u4e2a\u5de5\u5177\uff0c\u53ef\u4ee5\u63d0\u4f9b\u66f4\u51c6\u786e\u7684\u6d2a\u6c34\u5386\u53f2\u3001\u6a21\u5f0f\u548c\u9884\u6d4b\u3002\n\u8fd9\u6837\u7684\u5de5\u5177\u53ef\u7528\u4e8e\u66f4\u6709\u6548\u5730\u7f16\u5199\u6d2a\u6c34\u4fdd\u9669\u5355\uff0c\u7ba1\u7406\u7279\u5b9a\u98ce\u9669\uff0c\u800c\u4e0d\u4f1a\u56e0\u4e0d\u9002\u5408\u5176\u9700\u6c42\u7684\u4fdd\u9669\u800c\u4f7f\u623f\u4e3b\u8d1f\u62c5\u8fc7\u91cd\u3002  <\/p>\n\n<p>\u56e0\u6b64\uff0c\u7528\u4e8e\u627f\u4fdd\u7684\u4eba\u5de5\u667a\u80fd\u5c06\u4f7f\u4fdd\u9669\u5ba2\u6237\u548c\u4fdd\u9669\u627f\u4fdd\u4eba\u53d7\u76ca\u3002\n\u201c\u80fd\u591f\u81ea\u52a8\u4f7f\u7528\u66f4\u591a\u6570\u636e\uff0c\u6211\u4eec\u5c06\u770b\u5230\u66f4\u591a\u7684\u5b9a\u5236\uff0c\u5ba2\u6237\u5c06\u901a\u8fc7\u4e3a\u4ed6\u4eec\u771f\u6b63\u9700\u8981\u7684\u4fdd\u9669\u4ed8\u8d39\u800c\u53d7\u76ca\uff0c\u201dNext Insurance \u9996\u5e2d\u8fd0\u8425\u5b98 <a href=\"https:\/\/www.finextra.com\/blogposting\/15125\/artificial-intelligence---how-machine-learning-is-transforming-underwriting\" target=\"_blank\" rel=\"noreferrer noopener\">Sofya Pogreb<\/a> \u8bf4\u3002\n\u53cd\u8fc7\u6765\uff0c\u8fd9\u79cd\u4e2a\u6027\u5316\u6c34\u5e73\u5c06\u589e\u52a0\u5ba2\u6237\u4fdd\u6301\u5bf9\u73b0\u6709\u4fdd\u9669\u516c\u53f8\u5fe0\u8bda\u5ea6\u7684\u673a\u4f1a\uff0c\u56e0\u4e3a\u4fdd\u9669\u516c\u53f8\u8868\u73b0\u51fa\u5bf9\u4ed6\u4eec\u7279\u5b9a\u9700\u6c42\u7684\u7406\u89e3\u3002  <\/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\/two-handshake-close-up--1024x683.jpg\" alt=\"\" class=\"wp-image-8522\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/two-handshake-close-up--1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/two-handshake-close-up--300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/two-handshake-close-up--768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/two-handshake-close-up-.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u5546\u4e1a\u4fdd\u9669\u516c\u53f8\u7684\u6ce8\u610f\u4e8b\u9879<\/h2>\n\n<p>\u4eba\u5de5\u667a\u80fd\u5df2\u7ecf\u5728\u5e7f\u6cdb\u7684\u4eba\u7c7b\u65e5\u5e38\u6d3b\u52a8\u4e2d\u53d1\u6325\u4f5c\u7528\u3002\n\u57fa\u4e8e AI \u7684\u5de5\u5177\u51fa\u73b0\u5728\u5546\u4e1a\u4fdd\u9669\u5de5\u4f5c\u573a\u6240\uff0c\u4ee5\u53ca\u5bfb\u6c42\u4fdd\u9669\u7684\u516c\u53f8\u7684\u5de5\u4f5c\u573a\u6240\u3002\nAI \u7684\u5feb\u901f\u4f20\u64ad\u4e3a\u4fdd\u9669\u516c\u53f8\u5e26\u6765\u4e86\u51e0\u4e2a\u65b0\u7684\u8003\u8651\u56e0\u7d20\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u5728 AI \u9a71\u52a8\u578b\u4e16\u754c\u4e2d\u8bc4\u4f30\u98ce\u9669<\/h3>\n\n<p>\u5728\u627f\u4fdd\u65b9\u9762\uff0c\u4eba\u5de5\u667a\u80fd\u4e0d\u4ec5\u4f1a\u6539\u53d8\u4fdd\u9669\u516c\u53f8\u7684\u8fd0\u4f5c\u65b9\u5f0f\u3002\n\u5b83\u8fd8\u5c06\u6539\u53d8\u4ed6\u4eec\u8bc4\u4f30\u98ce\u9669\u672c\u8eab\u7684\u65b9\u5f0f\uff0cN2G Worldwide Insurance Services \u7684\u9996\u5e2d\u627f\u4fdd\u548c\u8fd0\u8425\u5b98 <a href=\"https:\/\/riskandinsurance.com\/technology-is-redrawing-lines-of-risk-and-challenging-the-underwriting-paradigm\/\" target=\"_blank\" rel=\"noreferrer noopener\">Warren Berey<\/a> \u8bf4\u3002 <\/p>\n\n<p>\u4f8b\u5982\uff0c\u5728\u81ea\u5df1\u7684\u8fd0\u8425\u4e2d\u4f7f\u7528 AI \u7684\u4f01\u4e1a\uff0c\u6216\u5236\u9020\u5e26\u6709\u5d4c\u5165\u5f0f AI \u7684\u4ea7\u54c1\u7684\u4f01\u4e1a\uff0c\u9762\u4e34\u7684\u98ce\u9669\u662f\u6211\u4eec\u5bf9\u57fa\u4e8e\u4ee3\u7801\u7684\u4f20\u7edf\u8ba1\u7b97\u673a\u64cd\u4f5c\u7684\u7406\u89e3\u53ef\u80fd\u65e0\u6cd5\u8003\u8651\u7684\u3002\n\u968f\u7740\u6280\u672f\u7684\u5feb\u901f\u53d1\u5c55\uff0c\u6536\u96c6\u6709\u5173\u8fd9\u4e9b\u98ce\u9669\u7684\u4fe1\u606f\u5e76\u901a\u8fc7\u6539\u8fdb\u627f\u4fdd\u6765\u5e94\u5bf9\u7684\u65f6\u95f4\u7a97\u53e3\u8d8a\u6765\u8d8a\u7a84\u3002 <\/p>\n\n<p>\u4fdd\u9669\u516c\u53f8\u548c\u7f51\u7edc\u5b89\u5168\u516c\u53f8\u90fd\u4e0d\u4f1a\u8f7b\u89c6\u8fd9\u4e9b\u5feb\u901f\u53d8\u5316\u3002\n\u968f\u7740 AI \u76f8\u5173\u98ce\u9669\u7684\u589e\u52a0\uff0c\u4fdd\u9669\u516c\u53f8\u5bf9\u521b\u5efa\u548c\u5b9e\u65bd\u6280\u672f\u4ee5\u6311\u6218\u8fd9\u4e9b\u98ce\u9669\u7684\u627f\u8bfa\u4e5f\u5728\u589e\u52a0\uff0cMarsh \u7f51\u7edc\u4ea7\u54c1\u5f00\u53d1\u8d1f\u8d23\u4eba <a href=\"https:\/\/riskandinsurance.com\/how-insurers-are-using-ai-to-better-protect-and-serve\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tim Marlin<\/a> \u8868\u793a\u3002 <\/p>\n\n<p>\u5176\u4ed6\u4e0d\u65ad\u53d8\u5316\u7684\u98ce\u9669\u4e5f\u8981\u6c42\u5b9e\u65bd\u652f\u6301 AI \u7684\u627f\u4fdd\u5de5\u5177\u3002\n\u9664\u4e86 AI \u672c\u8eab\u63a8\u52a8\u7684\u5546\u4e1a\u4e1a\u52a1\u53d8\u5316\u548c\u7f51\u7edc\u98ce\u9669\u5916\uff0c\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u516c\u53f8\u76ee\u524d\u8fd8\u9762\u4e34\u7740\u4e00\u4e2a\u52a8\u8361\u7684\u4e16\u754c\u3002\n\u5927\u6d41\u884c\u75c5\u3001\u6297\u8bae\u6d3b\u52a8\u3001\u6447\u6447\u6b32\u5760\u7684\u7ecf\u6d4e\u3001\u6c14\u5019\u4e0d\u786e\u5b9a\u6027\u548c\u5176\u4ed6\u6311\u6218\u7ee7\u7eed\u91cd\u5851\u98ce\u9669\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u6539\u8fdb\u6838\u4fdd\u5de5\u4f5c<\/h3>\n\n<p>AI \u4e0e\u673a\u5668\u5b66\u4e60\u548c\u5927\u6570\u636e\u5206\u6790\u7b49\u5176\u4ed6\u5de5\u5177\u76f8\u7ed3\u5408\uff0c\u53ef\u4ee5\u5e2e\u52a9\u627f\u4fdd\u4eba\u8fce\u63a5\u6311\u6218\u3002\n\u8fd9\u4e9b\u5de5\u5177\u201c\u5e2e\u52a9\u5546\u4e1a\u4fdd\u9669\u516c\u53f8\u589e\u5f3a\u5176\u7b80\u5316\u627f\u4fdd\u6d41\u7a0b [and] \u7684\u80fd\u529b\uff0c\u4ee5\u6709\u6548\u7684\u65b9\u5f0f\u8bc6\u522b\u548c\u5b9a\u4ef7\u98ce\u9669\uff0c\u4ece\u800c\u63d0\u9ad8\u76c8\u5229\u80fd\u529b\uff0c\u201dCapGemini \u7684 <a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2018\/06\/Role-of-Artificial-Intelligence-in-Commercial-Insurance-Underwriting-and-Renewals.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Ramesh Darbha<\/a> \u548c\u5176\u4ed6\u7814\u7a76\u4eba\u5458\u5728 2018 \u5e74\u7684\u4e00\u4efd\u62a5\u544a\u4e2d\u6307\u51fa\u3002 <\/p>\n\n<p>\u627f\u9500\u5546\u7ecf\u5e38\u65f6\u95f4\u7d27\u8feb\u3002\n\u6839\u636e GenPact <a href=\"https:\/\/www.genpact.com\/downloadable-content\/insight\/insurers-new-imperative-transforming-the-role-of-the-underwriter.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u7684\u4e00\u4efd\u767d\u76ae\u4e66<\/a>\uff0c\u4ed6\u4eec\u53ef\u80fd\u4f1a\u5c06\u591a\u8fbe 50% \u7684\u5de5\u4f5c\u65f6\u95f4\u82b1\u5728\u5916\u56f4\u4efb\u52a1\u4e0a\uff0c\u800c\u4e0d\u662f\u6838\u4fdd\u7684\u6838\u5fc3\u5de5\u4f5c\u4e0a\u3002 <\/p>\n\n<p>\u201c\u5728\u4f20\u7edf\u73af\u5883\u4e2d\uff0c\u627f\u9500\u5546\u5fc5\u987b\u624b\u52a8\u786e\u5b9a\u65b0\u4e1a\u52a1\u7684\u4f18\u5148\u7ea7\uff0c\u8fd9\u901a\u5e38\u53d7\u5230\u4e1a\u52a1\u6218\u7565\u4ee5\u5916\u7684\u56e0\u7d20\u7684\u5f71\u54cd\uff0c\u201dGenPact \u6307\u51fa\u3002\n\u7ed3\u679c\u662f\uff0c\u8bb8\u591a\u65b0\u4e1a\u52a1\u6839\u672c\u6ca1\u6709\u88ab\u627f\u4fdd\uff0c\u5373\u4f7f\u5b83\u4ee3\u8868\u4e86\u4fdd\u9669\u516c\u53f8\u7684\u4ef7\u503c\u3002\n\u4eba\u5de5\u667a\u80fd\u63d0\u4f9b\u4e86\u4e00\u79cd\u51cf\u8f7b\u627f\u4fdd\u4eba\u538b\u529b\u7684\u65b9\u6cd5\uff0c\u8ba9\u4ed6\u4eec\u80fd\u591f\u4e13\u6ce8\u4e8e\u64b0\u5199\u65b0\u4e1a\u52a1\u7684\u6838\u5fc3\u95ee\u9898\u548c\u4efb\u52a1\u3002  <\/p>\n\n<p>\u4eba\u5de5\u667a\u80fd\u4e0d\u4f1a\u53d6\u4ee3\u5546\u4e1a\u627f\u9500\u5546\u3002\n\u7136\u800c\uff0cAI \u786e\u5b9e\u63d0\u4f9b\u4e86\u4e00\u4e2a\u5f3a\u5927\u7684\u65b0\u5de5\u5177\uff0c\u53ef\u4ee5\u6539\u53d8\u548c\u6539\u8fdb\u627f\u4fdd\u5de5\u4f5c\u3002\n\u968f\u7740\u5546\u4e1a\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u7ee7\u7eed\u9762\u4e34\u65b0\u7684\u3001\u4e0d\u65ad\u53d1\u5c55\u7684\u548c\u4e0d\u786e\u5b9a\u7684\u98ce\u9669\uff0cAI \u4e3a\u53ef\u9760\u7684\u627f\u4fdd\u63d0\u4f9b\u4e86\u4e00\u6761\u524d\u8fdb\u7684\u9053\u8def\u3002  <\/p>\n\n<p><em>\u56fe\u7247\u6765\u81ea\uff1apuhhha\/\u00a9123RF.com\uff0c Andriy Popov\/\u00a9123RF.com\uff0c javiindy\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u8fc7\u53bb\u7684\u51e0\u5341\u5e74\u91cc\uff0c\u4eba\u5de5\u667a\u80fd\u5df2\u7ecf\u4ece\u79d1\u5e7b\u5c0f\u8bf4\u53d8\u6210\u4e86\u666e\u901a\u7528\u9014\u3002 \u4e0e\u7b80\u5355\u5730\u6267\u884c\u4e00\u7cfb\u5217\u9884\u5148\u7f16\u5199\u7684\u6307\u4ee4\u7684\u4f20\u7edf\u8ba1\u7b97\u673a\u7a0b\u5e8f\u4e0d\u540c [&hellip;]<\/p>\n","protected":false},"featured_media":8543,"template":"","insight-category":[],"class_list":["post-20004","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight\/20004","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media\/8543"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media?parent=20004"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight-category?post=20004"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}