中国太保副总裁俞斌：从“+AI”走向“AI+”，保险业竞争正从工具升级转向经营重构

澎湃新闻05-08

保险业的人工智能应用，正从单点提效进一步走向经营重构。　　近日，中国太保副总裁俞斌在接受澎湃新闻采访时表示，对保险公司而言，当前最重要的战略抉择，已经不再是“要不要用AI”，而是选择停留在“+AI”的优化区，还是迈向“AI+”的重构区。　　在俞斌看来，从“+AI”到“AI+”，并不只是多上一些模型、多落几个场景，而是思维方式和经营逻辑的变化。“+AI”更像是在现有流程中加装工具，解决局部痛点；...

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restructuring","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"601601":1.5,"AIPO":1.5,"CHAT":1.5,"02601":1.5,"AGIX":1.5,"ARTY":1.5},"content_text":"保险业的人工智能应用，正从单点提效进一步走向经营重构。\n　　近日，中国太保副总裁俞斌在接受澎湃新闻采访时表示，对保险公司而言，当前最重要的战略抉择，已经不再是“要不要用AI”，而是选择停留在“+AI”的优化区，还是迈向“AI+”的重构区。\n　　在俞斌看来，从“+AI”到“AI+”，并不只是多上一些模型、多落几个场景，而是思维方式和经营逻辑的变化。“+AI”更像是在现有流程中加装工具，解决局部痛点；“AI+”则是把AI作为底层能力，去重构产品、服务、流程乃至商业模式。也正因此，保险公司未来比拼的重点，未必只是单点效率，而是谁能更早完成从局部优化到系统重塑的跨越。\n　　落到保险主业上，俞斌提到，AI最可能率先带来变化的，是销售、营运和经营组织三个层面。首先是在销售端，随着客户越来越多借助豆包、DeepSeek等工具进行保险产品咨询和比较，新的流量入口正在改变客户决策方式。未来保险公司面对的，可能不只是传统渠道中的客户，而是与超级AI入口之间的数据和产品交互，谁更早适应这种变化，谁就更可能在新一轮竞争中占据主动。\n　　其次是在营运端，AI智能体之间的协作，有望重塑投保、核保、理赔、客服等流程。俞斌举例称，在车险理赔场景中，未来AI可以自主协调多个智能体完成作业，包括引导客户拍摄事故现场、调用图像识别模型进行定损、匹配维修厂和备件信息，并向客户推送赔付方案。按照这一思路，保险运营不再只是“人机协作”下的局部提效，而可能演变为由多个智能体共同驱动的新流程。\n　　再往前一步，则是经营组织本身的变化。俞斌向澎湃新闻表示，随着“人在回路”的反馈机制逐步建立，模型未来可能具备持续进化能力，保险机构也将探索AI原生组织。过去按条线、部门、岗位划分的传统组织方式，未来有可能被算法驱动、动态迭代的新型协作模式改写，员工的生产力杠杆也将随之被放大。\n　　谈及AI在保险主业中的投入产出效益，俞斌表示，不能只看单一财务指标，而要从客户经营、产业风险护航、队伍能级提升、运营管理增效、投资业务提质和合规风控减损等多个维度综合衡量。AI的价值，既体现在客户体验改善、人均保费提升和管理费用率优化上，也体现在伴生风险保障、投资能力扩展和风险损失下降等方面。\n　　从目前的进展看，一些领域的投入已开始体现出较明确成效。比如在理赔端，中国太保在健康险领域通过AI提高理赔自动化程度，个险平均赔付时效已缩短到两分钟；在销售端，AI金牌教练和客经助理等工具正推动营销模式升级，试点区域营销员人均新保保费提升21%；在风控端，健康险和车险领域试点基于AI算法的减损，今年带来的额外减损已超过亿元。\n　　澎湃新闻记者 胡志挺\n\n\n海量资讯、精准解读，尽在新浪财经APP\n\n责任编辑：曹睿潼","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,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":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 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; 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