{"id":20000,"date":"2024-09-20T14:51:57","date_gmt":"2024-09-20T19:51:57","guid":{"rendered":"https:\/\/bolttech.io\/insights\/ai-%e5%9c%a8%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa%e4%b8%ad%e4%b8%8d%e6%96%b7%e8%ae%8a%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%e6%a5%ad%e4%bf%9d%e9%9a%aa%e4%b8%ad%e4%b8%8d%e6%96%b7%e8%ae%8a%e5%8c%96%e7%9a%84%e8%a7%92%e8%89%b2","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/ai-%e5%9c%a8%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa%e4%b8%ad%e4%b8%8d%e6%96%b7%e8%ae%8a%e5%8c%96%e7%9a%84%e8%a7%92%e8%89%b2\/","title":{"rendered":"AI \u5728\u5546\u696d\u4fdd\u96aa\u4e2d\u4e0d\u65b7\u8b8a\u5316\u7684\u89d2\u8272"},"content":{"rendered":"\n<p>\u5728\u904e\u53bb\u7684\u5e7e\u5341\u5e74\u88e1\uff0c\u4eba\u5de5\u667a\u6167\u5df2\u7d93\u5f9e\u79d1\u5e7b\u5c0f\u8aaa\u8b8a\u6210\u4e86\u666e\u901a\u7528\u9014\u3002\n\u8207\u7c21\u55ae\u5730\u57f7\u884c\u4e00\u7cfb\u5217\u9810\u5148\u7de8\u5beb\u7684\u6307\u4ee4\u7684\u50b3\u7d71\u8a08\u7b97\u6a5f\u7a0b\u5f0f\u4e0d\u540c\uff0cAI \u53ef\u4ee5\u9069\u61c9\u63d0\u4f9b\u7d66\u5b83\u7684\u8cc7\u8a0a\u3002\n\u9019\u7a2e\u80fd\u529b\u4f7f\u7a0b\u5f0f\u5e2b\u80fd\u5920\u5275\u5efa\u80fd\u5920\u66f4\u5feb\u3001\u66f4\u9ad8\u6548\u5730\u8b58\u5225\u6a21\u5f0f\u3001\u63a8\u65b7\u9810\u6e2c\u548c\u7ba1\u7406\u4fe1\u606f\u7684\u8edf\u9ad4\u3002  <\/p>\n\n<p>\u767c\u73fe\u6a21\u5f0f\u548c\u6a19\u8a18\u98a8\u96aa\u7684\u80fd\u529b\u4f7f AI \u5728\u5546\u696d\u4fdd\u96aa\u4e2d\u7279\u5225\u6709\u50f9\u503c\u3002\n\u65b0\u7684\u4fdd\u96aa\u79d1\u6280\u516c\u53f8\u548c\u6210\u719f\u7684\u4fdd\u96aa\u516c\u53f8\u90fd\u5728\u63a1\u7528\u4eba\u5de5\u667a\u6167\u4f86\u5be6\u73fe\u9019\u4e9b\u80fd\u529b\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u70ba\u4ec0\u9ebc\u9078\u64c7 AI\uff1f<\/h2>\n\n<p>\u5728\u4ed6\u5011\u7684\u300a\u57fa\u65bc\u7d93\u6fdf\u548c\u91d1\u878d\u77e5\u8b58\u7684\u8655\u7406\u300b\u4e00\u66f8\u4e2d\uff0c\u7814\u7a76\u4eba\u54e1 <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\u6167\u5728\u5305\u62ec\u4fdd\u96aa\u5728\u5167\u7684\u5404\u500b\u884c\u696d\u4e2d\u554f\u984c\u7684\u5927\u7d04 250 \u7a2e\u4e0d\u540c\u7684\u61c9\u7528\u3002\n\u4ed6\u5011\u767c\u73fe\uff0c\u63a5\u53d7\u8abf\u67e5\u7684\u516c\u53f8\u4e4b\u6240\u4ee5\u8f49\u5411 AI\uff0c\u662f\u56e0\u70ba AI \u5728\u89e3\u6c7a\u6bd4\u50b3\u7d71\u7a0b\u5f0f\u66f4\u8907\u96dc\u7684\u554f\u984c\u65b9\u9762\u6709\u7528\uff0c\u80fd\u5920\u63d0\u4f9b\u66f4\u5feb\u3001\u66f4\u6e96\u78ba\u7684\u8cc7\u8a0a\uff0c\u4e26\u4e14\u5177\u6709\u964d\u4f4e\u98a8\u96aa\u7684\u6f5b\u529b\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u66f4\u597d\u7684\u6578\u64da\u9a45\u52d5\u578b\u6c7a\u7b56<\/h3>\n\n<p>\u5c0d\u65bc\u4fdd\u96aa\u884c\u696d\u4f86\u8aaa\uff0cAI \u53ef\u4ee5\u66f4\u8f15\u9b06\u5730\u7ba1\u7406\u4fdd\u96aa\u516c\u53f8\u53ca\u5176\u5ba2\u6236\u751f\u6210\u7684\u5927\u91cf\u6578\u64da\u3002<\/p>\n\n<p>\u201c\u4fdd\u96aa\u4e00\u76f4\u662f\u4e00\u9805\u6578\u64da\u696d\u52d9\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> \u7522\u54c1\u526f\u7e3d\u88c1 David Lewin \u8aaa\u3002\n\u201cAI \u5e36\u4f86\u4e86\u4e00\u7a2e\u5168\u65b0\u7684\u65b9\u5f0f\u4f86\u89e3\u91cb\u6578\u64da\uff0c\u4e26\u5728\u6230\u7565\u548c\u4ea4\u6613\u5c64\u9762\u5e36\u4f86\u6709\u610f\u7fa9\u7684\u898b\u89e3\u3002 <\/p>\n\n<p>\u201c\u5229\u7528\u4eba\u5de5\u667a\u6167\u6280\u8853\u5c07\u4f7f\u627f\u4fdd\u4eba\u80fd\u5920\u5f9e\u57fa\u65bc\u898f\u5247\u7684\u624b\u52d5\u548c\u7dda\u6027\u6c7a\u7b56\u8f49\u5411\u66f4\u6e96\u78ba\u7684\u8a08\u7b97\u6a5f\u751f\u6210\u8cc7\u8a0a\u2014\u2014\u6700\u7d42\u4f7f\u627f\u4fdd\u4eba\u80fd\u5920\u81ea\u52d5\u5316\u66f4\u7c21\u55ae\u7684\u6848\u4f8b\uff0c\u4e26\u5229\u7528\u6578\u64da\u4f86\u5354\u52a9\u66f4\u8907\u96dc\u548c\u66f4\u5927\u7684\u696d\u52d9\u3002\u201d<\/p>\n\n<p>\u745e\u58eb\u518d\u4fdd\u96aa\u7684\u627f\u4fdd\u4eba\u6cd5\u5f8b\u9867\u554f\u517c\u9ad8\u7d1a\u7406\u8ce0\u5c08\u5bb6 <a href=\"https:\/\/riskandinsurance.com\/ai-transforms-underwriting\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kate Browne<\/a> \u5f37\u8abf\u4e86 David \u7684\u89c0\u9ede\uff0c\u5979\u6307\u51fa\u5f88\u5c11\u6709\u884c\u696d\u6bd4\u4fdd\u96aa\u696d\u64c1\u6709\u66f4\u591a\u7684\u6578\u64da\u3002\n\u90a3\u9ebc\uff0c\u554f\u984c\u5728\u65bc\u77ad\u89e3\u5982\u4f55\u8655\u7406\u6240\u6709\u9019\u4e9b\u6578\u64da\u3002 <\/p>\n\n<p>\u201c\u4eba\u985e\u5c31\u662f\u6c92\u6709\u80fd\u529b\u8655\u7406\u6211\u5011\u73fe\u5728\u7372\u5f97\u7684\u5927\u91cf\u6578\u64da\uff0c\u201dBrowne \u8aaa\u3002\n\u201c\u9019\u5c31\u662f AI \u7684\u7af6\u722d\u512a\u52e2\uff0c\u80fd\u5920\u5229\u7528\u9019\u4e9b\u6578\u64da\u6d2a\u6d41\u505a\u51fa\u66f4\u597d\u7684\u6c7a\u7b56\u3002\u201d <\/p>\n\n<h3 class=\"wp-block-heading\">\u5c07 AI \u8996\u70ba\u4e00\u7a2e\u6230\u7565\u80fd\u529b<\/h3>\n\n<p>AI \u7684\u5f37\u5927\u4e4b\u8655\u5728\u65bc\u5176\u9748\u6d3b\u6027\u3002\n\u901a\u904e\u8a13\u7df4\u4eba\u5de5\u667a\u6167\u89e3\u6c7a\u7279\u5b9a\u985e\u578b\u7684\u554f\u984c\uff0c\u4fdd\u96aa\u79d1\u6280\u516c\u53f8\u548c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u69cb\u5efa\u5b8c\u6210\u4e00\u7cfb\u5217\u7279\u5b9a\u4efb\u52d9\u6240\u9700\u7684\u5de5\u5177\uff0c\u8b93\u4eba\u5de5\u627f\u4fdd\u4eba\u80fd\u5920\u5c08\u6ce8\u65bc\u8a08\u7b97\u6a5f\u80fd\u529b\u4e4b\u5916\u7684\u5de5\u4f5c\u3002 <\/p>\n\n<p>\u201c\u96d6\u7136\u8a31\u591a\u4fdd\u96aa\u516c\u53f8\u958b\u59cb\u770b\u5230 AI \u61c9\u7528\u7a0b\u5f0f\u7684\u597d\u8655\uff0c\u4f46\u63a8\u52d5\u53ef\u89c0\u56de\u5831\u7684\u516c\u53f8\u6b63\u5728\u5c07 AI \u8996\u70ba\u4e00\u7a2e\u529f\u80fd\uff0c\u800c\u4e0d\u662f\u4e00\u7a2e\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\u66f8\u4e2d\u5beb\u9053\u3002<\/p>\n\n<p>\u901a\u904e\u5c07 AI \u7684\u516d\u500b\u7279\u5b9a\u65b9\u9762\uff08\u6a5f\u5668\u5b78\u7fd2\u3001\u81ea\u7136\u8a9e\u8a00\u8655\u7406\u3001\u884c\u70ba\u6578\u64da\u6a21\u578b\u3001\u8a9e\u97f3\u8eab\u4efd\u9a57\u8b49\u3001\u8a08\u7b97\u6a5f\u8996\u89ba\u548c\u7269\u806f\u7db2\uff09\u7d0d\u5165\u5176\u904b\u71df\u7b56\u7565\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u6700\u5927\u9650\u5ea6\u5730\u5229\u7528 AI \u529f\u80fd\u70ba\u627f\u4fdd\u4eba\u5e36\u4f86\u7684\u597d\u8655\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\u6167\u5728\u884c\u52d5<\/h2>\n\n<p>\u4eba\u5de5\u667a\u6167\u5df2\u7d93\u5728\u6539\u8b8a\u4fdd\u96aa\u516c\u53f8\u7684\u7d93\u71df\u65b9\u5f0f\u3002\n\u4e00\u500b\u95dc\u9375\u4f46\u7d93\u5e38\u88ab\u5ffd\u8996\u7684\u8b8a\u5316\u662f AI \u7684\u529b\u91cf\uff0c\u5b83\u53ef\u4ee5\u4f7f\u4fdd\u96aa\u516c\u53f8\u548c\u88ab\u4fdd\u96aa\u4eba\u7684\u89c0\u9ede\u548c\u76ee\u6a19\u4fdd\u6301\u4e00\u81f4\u3002 <\/p>\n\n<p>\u201c\u5f9e\u6b77\u53f2\u4e0a\u770b\uff0c\u4fdd\u96aa\u5408\u540c\u7684\u5404\u65b9\u2014\u2014\u4fdd\u96aa\u516c\u53f8\u548c\u88ab\u4fdd\u96aa\u4eba\u2014\u2014\u7e3d\u662f\u64c1\u6709\u4e00\u7d44\u4e0d\u540c\u7684\u8cc7\u8a0a\uff0c\u201d\u6cd5\u518d\u8463\u4e8b\u9577\u517c\u9996\u5e2d\u57f7\u884c\u5b98 <a href=\"https:\/\/www.scor.com\/sites\/default\/files\/focus_scor-artificial_intelligence.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u9127\u5c3c\u65af\u00b7\u51f1\u65af\u52d2 \uff08Denis Kessler<\/a>\uff09 \u5beb\u9053\u3002\n\u56e0\u6b64\uff0c\u96d9\u65b9\u90fd\u63a1\u53d6\u4e86\u6230\u7565\u6027\u884c\u52d5\uff0c\u8a66\u5716\u63a8\u65b7\u51fa\u5c0d\u65b9\u77e5\u9053\u7684\u4e8b\u60c5\u3002\n\u4f8b\u5982\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u80fd\u6703\u5c31\u88ab\u4fdd\u96aa\u4eba\u7684\u5404\u7a2e\u884c\u70ba\u9032\u884c\u6c11\u610f\u8abf\u67e5\uff0c\u800c\u88ab\u4fdd\u96aa\u4eba\u53ef\u80fd\u6703\u5617\u8a66\u4ee5\u4e00\u7a2e\u5e36\u4f86\u66f4\u5927\u512a\u52e2\u7684\u65b9\u5f0f\u63cf\u8ff0\u98a8\u96aa\u6216\u640d\u5931\u3002  <\/p>\n\n<p>\u4fdd\u96aa\u516c\u53f8\u6240\u77e5\u9053\u7684\u548c\u88ab\u4fdd\u96aa\u4eba\u6240\u77e5\u9053\u7684\u4e4b\u9593\u7684\u5dee\u7570\u53cd\u904e\u4f86\u53c8\u5c0e\u81f4\u4e86\u4fe1\u4efb\u7684\u7f3a\u4e4f\u3002\n\u7136\u800c\uff0c\u901a\u904e\u4f7f\u7528\u4eba\u5de5\u667a\u6167\u4f86\u8a55\u4f30\u98a8\u96aa\u548c\u627f\u4fdd\u7279\u5b9a\u4fdd\u55ae\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u5c07\u5ba2\u6236\u7684\u9700\u6c42\u3001\u7406\u89e3\u548c\u5229\u76ca\u8207\u4ed6\u5011\u81ea\u5df1\u7684\u9700\u6c42\u3001\u7406\u89e3\u548c\u5229\u76ca\u4fdd\u6301\u4e00\u81f4\u3002\n\u4fdd\u96aa\u516c\u53f8\u548c\u88ab\u4fdd\u96aa\u4eba\u6210\u70ba\u5c0d\u6297\u98a8\u96aa\u7684\u76df\u53cb\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u5c07 AI \u61c9\u7528\u65bc\u98a8\u96aa\u8a55\u4f30<\/h3>\n\n<p>\u591a\u5e74\u4f86\uff0c\u7814\u7a76\u4eba\u54e1\u4e00\u76f4\u5728\u5c0b\u6c42\u5c07\u4eba\u5de5\u667a\u6167\u61c9\u7528\u65bc\u98a8\u96aa\u8a55\u4f30\u3002\n2002\u5e74\uff0c\u767c\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\u9805\u7f8e\u570b\u5c08\u5229\u7533\u8acb\uff0c\u7533\u8acb\u4e86\u201c\u4e00\u7a2e\u5728\u4e92\u52d5\u5f0f\u7cfb\u7d71\u4e2d\u4e92\u52d5\u5f0f\u8a55\u4f30\u5546\u696d\u4fdd\u96aa\u98a8\u96aa\u7684\u7cfb\u7d71\u548c\u65b9\u6cd5\u201d\uff0c\u4ee3\u7406\u4eba\u3001\u904b\u71df\u5546\u548c\u4fdd\u96aa\u4f3a\u670d\u5668\u90fd\u5728\u5176\u4e2d\u767c\u63ee\u4f5c\u7528\u3002 <\/p>\n\n<p>\u5982\u4eca\uff0c\u4fdd\u96aa\u79d1\u6280\u516c\u53f8\u4ee5\u5404\u7a2e\u65b9\u5f0f\u5c07 AI \u61c9\u7528\u65bc\u627f\u4fdd\u554f\u984c\u3002\n\u4e00\u7a2e\u65b9\u6cd5\u662f\u901a\u904e\u8003\u616e\u53ef\u80fd\u4e0d\u6703\u5f15\u8d77\u627f\u4fdd\u4eba\u6ce8\u610f\u7684\u56e0\u7d20\uff0c\u63d0\u4f9b\u66f4\u6e96\u78ba\u7684\u6f5b\u5728\u98a8\u96aa\u8996\u5716\u3002\nCytora \u9996\u5e2d\u57f7\u884c\u5b98\u517c\u806f\u5408\u5275\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\u9019\u4e9b\u5de5\u5177\u5c0d\u65bc\u5728\u7372\u5229\u7387\u8d8a\u4f86\u8d8a\u4f4e\u7684\u6642\u4ee3\u5c0b\u6c42\u63d0\u9ad8\u7d9c\u5408\u904b\u71df\u6bd4\u7387\u7684\u516c\u53f8\u7279\u5225\u6709\u7528\u3002  <\/p>\n\n<p>\u7136\u800c\uff0c\u98a8\u96aa\u8a55\u4f30\u672c\u8eab\u53ea\u662f\u4eba\u5de5\u667a\u6167\u8aac\u660e\u5546\u696d\u4fdd\u96aa\u516c\u53f8\u61c9\u5c0d\u7576\u4eca\u6311\u6230\u7684\u4e00\u7a2e\u65b9\u5f0f\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u8aac\u660e\u627f\u92b7\u5546\u5e6b\u52a9\u5ba2\u6236<\/h3>\n\n<p>\u96d6\u7136 AI \u5de5\u5177\u548c\u529f\u80fd\u53ef\u4ee5\u5e6b\u52a9\u4fdd\u96aa\u516c\u53f8\u66f4\u597d\u5730\u4fdd\u8b77\u81ea\u5df1\u7684\u5e95\u7dda\uff0c\u4f46\u5b83\u5011\u53ef\u4ee5\u540c\u6642\u8aac\u660e\u4fdd\u96aa\u5ba2\u6236\u7372\u5f97\u4ed6\u5011\u6240\u9700\u7684\u500b\u4eba\u5316\u670d\u52d9\u548c\u4ed6\u5011\u5be6\u969b\u9700\u8981\u7684\u4fdd\u96aa\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\u6167\u4f86\u66f4\u597d\u5730\u77ad\u89e3\u3001\u5efa\u6a21\u548c\u9810\u6e2c\u6d2a\u6c34\u98a8\u96aa\uff0c\u5f9e\u800c\u66f4\u597d\u5730\u627f\u4fdd\u4fdd\u55ae\u4e26\u77ad\u89e3\u7f8e\u570b\u6d2a\u6c34\u4fdd\u96aa\u5e02\u5834\u7684\u771f\u5be6\u898f\u6a21\u548c\u7bc4\u570d\u3002\n\u901a\u904e\u4f7f\u7528\u5927\u91cf\u7684\u5730\u7406\u548c\u4eba\u53e3\u7d71\u8a08\u6578\u64da\u8a13\u7df4\u8edf\u9ad4\uff0cCognizant \u5275\u5efa\u4e86\u4e00\u500b\u5de5\u5177\uff0c\u53ef\u4ee5\u63d0\u4f9b\u66f4\u6e96\u78ba\u7684\u6d2a\u6c34\u6b77\u53f2\u3001\u6a21\u5f0f\u548c\u9810\u6e2c\u3002\n\u9019\u6a23\u7684\u5de5\u5177\u53ef\u7528\u65bc\u66f4\u6709\u6548\u5730\u7de8\u5beb\u6d2a\u6c34\u4fdd\u96aa\u55ae\uff0c\u7ba1\u7406\u7279\u5b9a\u98a8\u96aa\uff0c\u800c\u4e0d\u6703\u56e0\u4e0d\u9069\u5408\u5176\u9700\u6c42\u7684\u4fdd\u96aa\u800c\u4f7f\u623f\u4e3b\u8ca0\u64d4\u904e\u91cd\u3002  <\/p>\n\n<p>\u56e0\u6b64\uff0c\u7528\u65bc\u627f\u4fdd\u7684\u4eba\u5de5\u667a\u6167\u5c07\u4f7f\u4fdd\u96aa\u5ba2\u6236\u548c\u4fdd\u96aa\u627f\u4fdd\u4eba\u53d7\u76ca\u3002\n\u201c\u80fd\u5920\u81ea\u52d5\u4f7f\u7528\u66f4\u591a\u6578\u64da\uff0c\u6211\u5011\u5c07\u770b\u5230\u66f4\u591a\u7684\u5b9a\u88fd\uff0c\u5ba2\u6236\u5c07\u901a\u904e\u70ba\u4ed6\u5011\u771f\u6b63\u9700\u8981\u7684\u4fdd\u96aa\u4ed8\u8cbb\u800c\u53d7\u76ca\uff0c\u201dNext Insurance \u9996\u5e2d\u904b\u71df\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> \u8aaa\u3002\n\u53cd\u904e\u4f86\uff0c\u9019\u7a2e\u500b\u4eba\u5316\u6c34\u6e96\u5c07\u589e\u52a0\u5ba2\u6236\u4fdd\u6301\u5c0d\u73fe\u6709\u4fdd\u96aa\u516c\u53f8\u5fe0\u8aa0\u5ea6\u7684\u6a5f\u6703\uff0c\u56e0\u70ba\u4fdd\u96aa\u516c\u53f8\u8868\u73fe\u51fa\u5c0d\u4ed6\u5011\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\u696d\u4fdd\u96aa\u516c\u53f8\u7684\u6ce8\u610f\u4e8b\u9805<\/h2>\n\n<p>\u4eba\u5de5\u667a\u6167\u5df2\u7d93\u5728\u5ee3\u6cdb\u7684\u4eba\u985e\u65e5\u5e38\u6d3b\u52d5\u4e2d\u767c\u63ee\u4f5c\u7528\u3002\n\u57fa\u65bc AI \u7684\u5de5\u5177\u51fa\u73fe\u5728\u5546\u696d\u4fdd\u96aa\u5de5\u4f5c\u5834\u6240\uff0c\u4ee5\u53ca\u5c0b\u6c42\u4fdd\u96aa\u7684\u516c\u53f8\u7684\u5de5\u4f5c\u5834\u6240\u3002\nAI \u7684\u5feb\u901f\u50b3\u64ad\u70ba\u4fdd\u96aa\u516c\u53f8\u5e36\u4f86\u4e86\u5e7e\u500b\u65b0\u7684\u8003\u616e\u56e0\u7d20\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u5728 AI \u9a45\u52d5\u578b\u4e16\u754c\u4e2d\u8a55\u4f30\u98a8\u96aa<\/h3>\n\n<p>\u5728\u627f\u4fdd\u65b9\u9762\uff0c\u4eba\u5de5\u667a\u6167\u4e0d\u50c5\u6703\u6539\u8b8a\u4fdd\u96aa\u516c\u53f8\u7684\u904b\u4f5c\u65b9\u5f0f\u3002\n\u5b83\u9084\u5c07\u6539\u8b8a\u4ed6\u5011\u8a55\u4f30\u98a8\u96aa\u672c\u8eab\u7684\u65b9\u5f0f\uff0cN2G Worldwide Insurance Services \u7684\u9996\u5e2d\u627f\u4fdd\u548c\u904b\u71df\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> \u8aaa\u3002 <\/p>\n\n<p>\u4f8b\u5982\uff0c\u5728\u81ea\u5df1\u7684\u904b\u71df\u4e2d\u4f7f\u7528 AI \u7684\u4f01\u696d\uff0c\u6216\u88fd\u9020\u5e36\u6709\u5d4c\u5165\u5f0f AI \u7684\u7522\u54c1\u7684\u4f01\u696d\uff0c\u9762\u81e8\u7684\u98a8\u96aa\u662f\u6211\u5011\u5c0d\u57fa\u65bc\u4ee3\u78bc\u7684\u50b3\u7d71\u96fb\u8166\u64cd\u4f5c\u7684\u7406\u89e3\u53ef\u80fd\u7121\u6cd5\u8003\u616e\u7684\u3002\n\u96a8\u8457\u6280\u8853\u7684\u5feb\u901f\u767c\u5c55\uff0c\u6536\u96c6\u6709\u95dc\u9019\u4e9b\u98a8\u96aa\u7684\u8cc7\u8a0a\u4e26\u901a\u904e\u6539\u9032\u627f\u4fdd\u4f86\u61c9\u5c0d\u7684\u6642\u9593\u7a97\u53e3\u8d8a\u4f86\u8d8a\u7a84\u3002 <\/p>\n\n<p>\u4fdd\u96aa\u516c\u53f8\u548c\u7db2\u8def\u5b89\u5168\u516c\u53f8\u90fd\u4e0d\u6703\u8f15\u8996\u9019\u4e9b\u5feb\u901f\u8b8a\u5316\u3002\n\u96a8\u8457 AI \u76f8\u95dc\u98a8\u96aa\u7684\u589e\u52a0\uff0c\u4fdd\u96aa\u516c\u53f8\u5c0d\u5275\u5efa\u548c\u5be6\u65bd\u6280\u8853\u4ee5\u6311\u6230\u9019\u4e9b\u98a8\u96aa\u7684\u627f\u8afe\u4e5f\u5728\u589e\u52a0\uff0cMarsh \u7db2\u8def\u7522\u54c1\u958b\u767c\u8ca0\u8cac\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\u65b7\u8b8a\u5316\u7684\u98a8\u96aa\u4e5f\u8981\u6c42\u5be6\u65bd\u652f\u63f4 AI \u7684\u627f\u4fdd\u5de5\u5177\u3002\n\u9664\u4e86 AI \u672c\u8eab\u63a8\u52d5\u7684\u5546\u696d\u696d\u52d9\u8b8a\u5316\u548c\u7db2\u8def\u98a8\u96aa\u5916\uff0c\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u516c\u53f8\u76ee\u524d\u9084\u9762\u81e8\u8457\u4e00\u500b\u52d5\u8569\u7684\u4e16\u754c\u3002\n\u5927\u6d41\u884c\u75c5\u3001\u6297\u8b70\u6d3b\u52d5\u3001\u6416\u6416\u6b32\u589c\u7684\u7d93\u6fdf\u3001\u6c23\u5019\u4e0d\u78ba\u5b9a\u6027\u548c\u5176\u4ed6\u6311\u6230\u7e7c\u7e8c\u91cd\u5851\u98a8\u96aa\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u6539\u9032\u6838\u4fdd\u5de5\u4f5c<\/h3>\n\n<p>AI \u8207\u6a5f\u5668\u5b78\u7fd2\u548c\u5927\u6578\u64da\u5206\u6790\u7b49\u5176\u4ed6\u5de5\u5177\u76f8\u7d50\u5408\uff0c\u53ef\u4ee5\u8aac\u660e\u627f\u4fdd\u4eba\u8fce\u63a5\u6311\u6230\u3002\n\u9019\u4e9b\u5de5\u5177\u201c\u8aac\u660e\u5546\u696d\u4fdd\u96aa\u516c\u53f8\u589e\u5f37\u5176\u7c21\u5316\u627f\u4fdd\u6d41\u7a0b [and] \u7684\u80fd\u529b\uff0c\u4ee5\u6709\u6548\u7684\u65b9\u5f0f\u8b58\u5225\u548c\u5b9a\u50f9\u98a8\u96aa\uff0c\u5f9e\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\u54e1\u5728 2018 \u5e74\u7684\u4e00\u4efd\u5831\u544a\u4e2d\u6307\u51fa\u3002 <\/p>\n\n<p>\u627f\u92b7\u5546\u7d93\u5e38\u6642\u9593\u7dca\u8feb\u3002\n\u6839\u64da 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\u66f8<\/a>\uff0c\u4ed6\u5011\u53ef\u80fd\u6703\u5c07\u591a\u9054 50% \u7684\u5de5\u4f5c\u6642\u9593\u82b1\u5728\u9031\u908a\u4efb\u52d9\u4e0a\uff0c\u800c\u4e0d\u662f\u6838\u4fdd\u7684\u6838\u5fc3\u5de5\u4f5c\u4e0a\u3002 <\/p>\n\n<p>\u201c\u5728\u50b3\u7d71\u74b0\u5883\u4e2d\uff0c\u627f\u92b7\u5546\u5fc5\u9808\u624b\u52d5\u78ba\u5b9a\u65b0\u696d\u52d9\u7684\u512a\u5148\u9806\u5e8f\uff0c\u9019\u901a\u5e38\u53d7\u5230\u696d\u52d9\u6230\u7565\u4ee5\u5916\u7684\u56e0\u7d20\u7684\u5f71\u97ff\uff0c\u201dGenPact 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