保险学-人工智能识别企业财产保险风险初探.docx

人工智能识别企业财产保险风险初探 【摘要】在人工智能发展的时代里，保险行业也不断将资金投入在人工智能的建设中，利用科技驱动业务的创新发展。在目前财产保险市场发展蒸蒸日上的情况下，企业财产保险对于未来各类企业对抗意外事故风险起到关键作用，因此本文对人工智能技术在产险公司的企业财产保险里每一个环节的业务中的运用进行探索。通过各类文献在人工智能应用于产险业务的研究，结合众安产险和平安产险两家公司保险业务中的人工智能应用进行案例分析，发现在产险公司的各项业务中，人工智能发挥了其技术优势，并有较大的发展空间。通过人工智能在产险公司实际应用中的表现和文献研究，发现了人工智能的两项主要存在的风险——数据安全和道德风险，针对这两类风险在企业和政府两个层面提供了相应的对策建议。 【关键词】人工智能；识别风险；企业财产保险 A preliminary study on the identification of corporate property insurance risks with artificial intelligence [Abstract] In the era of artificial intelligence development, the insurance industry has also invested funds to build artificial intelligence, using technology to drive business update and innovation. At present, the property insurance market is booming, and corporate property insurance will play a key role in combating accident risks for various types of enterprises in the future. Therefore, this article explores the application of artificial intelligence technology in the business of each link of property insurance companies corporate property insurance. Through various researches on the application of artificial intelligence in property insurance business through various literature, combined case studies of the artificial intelligence applications of Zhongan Property Casualty Insurance and Ping An Property Casualty Insurance, and exploring the application of artificial intelligence in all aspects of the business of property and casualty insurance companies. The future will play a more profound role. Through the performance and literature research of artificial intelligence in property insurance companies, two main risks of artificial intelligence-data security and moral hazard-have been found. Corresponding to these two types of risks are provided at the corporate and government levels. [Keywords] artificial intelligence identifying risks corporate property insurance 目 录 TOC \o 1-3 \h \u 1 前言 1 2 人工智能以及企业财产保险发展现状概述 2 2.1 人工智能技术的概述 2 2.1.1 人工智能的定义 2 2.1.2 人工智能的发展脉络 2 2.1.3 人工智能