中国太保董事长傅帆 : 以“AI原生分公司”为突破口向“数智融合”跃升

新华财经02-03

新华财经上海2月3日电 “数智化转型不是选择题，而是企业生存和发展的必答题。”中国太保董事长傅帆在首届中国太保科技创新大会上表示，当前全球正经历由深层次人工智能驱动的新变革，保险业必须突破传统金融业务视角，从单一的风险承受者转化为国家战略的风险治理伙伴和耐心资本的践行者。作为行业的头部企业，“十五五”期间中国太保不仅要追求保费规模和资产体量的领先，更要在服务实体经济的质效、防范化解风险的能力以及...

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AI”重塑保险的征程中，通过三个层面的深层变革，让智能化深度融入保险的核心价值链。第一是重塑风险管理的前瞻性和主动性。在AI加持下，通过智能风控在科技创新、绿色发展、普惠民生和养老健康等领域实现有效的风险减量，推动保险从“事后补偿者”向“事前风控、事中转量”转型，让保险真正成为社会发展的稳定器和减震器。　　第二是重塑服务体验的温度和精准度。技术的进步不应是冰冷的替代，而是精准的赋能。利用AI的深度数据挖掘能力，开发以客户需求为导向的个性化保障；在服务端，通过AI的自动化处理，让秒极定损、瞬间服务成为常态。　　第三是重塑生产力与组织的协同范式。太保正以首批“AI原生分公司”试点为突破口，启动流程重塑，实现从人力驱动到人机协同的跨越，进而推动全集团的数字化转型向“数智融合”的更高阶段跃升。　　会上发布的《2025年AI应用白皮书》认为，AI向通用人工智能的演进，将深刻改变客户行为、商业逻辑以及竞争格局。AI能力的不断突破以及AI技术的逐步普及，将对客户的认知与决策、对实体产业的发展动能、对保险价值链产生深刻影响。　　“我们要的不是平庸的改良，而是足以引领行业跨越周期的战略性变革。”傅帆同时强调，“人工智能+”战略落地需坚守三项要求：坚持“一把手工程”，坚决打破数据壁垒；强化动态评估与资源精准调优；拒绝表面数字化，所有不敢触动核心逻辑的表面数字化，必须坚决重塑。（文章来源：新华财经）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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