Science and technology are the primary productive forces, and innovation is the first driving force to lead development. In recent years, with the rapid development of a new round of scientific and technological revolution, scientific and technological innovation and application are profoundly changing all fields of social production and life, and the insurance industry is no exception. On the one hand, "risk factors" have a new running path in the new scientific and technological environment, which accelerates the variation of risks; On the other hand, the application of scientific and technological innovation provides conditions for better understanding of risk laws and more scientific management and protection of risks.
In order to scientifically guide the development of scientific and technological innovation in the insurance industry, promote the digital transformation of insurance institutions, and promote the healthy and sustainable development of insurance technology, the China Insurance Association issued the Development Plan of Insurance Technology in the 14th Five-Year Plan (hereinafter referred to as the Plan), objectively pointed out the current domestic development status of insurance technology, planned the specific objectives and key tasks of the development of insurance technology in the 14th Five-Year Plan, and explained the safeguard measures in detail.
Status quo, achievements and goals
In 2025, the average online business rate will exceed 90%.
According to the survey data of insurance association of china, during the 13th Five-Year Plan period, the domestic insurance industry paid more and more attention to the investment and innovation of science and technology, and the development of insurance technology accelerated with remarkable results.
Science and technology investment
In terms of information technology investment, since 20 18 years, the insurance industry has invested 9465438+85 million yuan in information technology. In 2020, the total investment in information technology in the industry will be 35,654.38 billion yuan, accounting for 0.63% of the operating income. Among them, the average proportion of information technology investment of directly affiliated insurance companies is 0.65%, that of large and medium-sized insurance companies is 0.56%, and that of small and micro insurance companies is 1.59%.
As for information technology personnel, by the end of 2020, there were more than 26,000 formal IT employees in the industry, accounting for 2.5 1% of the formal employees. Among them, the average proportion of formal IT employees in directly affiliated insurance companies is 1.98%, large and medium-sized insurance companies are 1.73%, and small and micro insurance companies are 3.37%.
Application of scientific and technological innovation
Cloud computing. The construction of digital infrastructure represented by cloud computing has been steadily advanced, and the overall adoption rate of cloud computing in the industry is 76.79%.
Big data. With the gradual application of insurance precise pricing and intelligent marketing represented by big data and artificial intelligence, the industry average underwriting automation rate is 55.77%, and the underwriting automation rate is 64.438+0%.
Blockchain. The business docking of the original insurance and reinsurance companies represented by the blockchain was realized, and the real-time settlement of the original insurance and reinsurance was initially realized.
Internet of things. The rapid and accurate claims represented by the Internet of Things have achieved initial results, and the average automation rate of claims in the industry has reached 2 1.48%.
Judging from the above data, during the Thirteenth Five-Year Plan period, the domestic insurance industry invested heavily in science and technology, and the progress and achievements made were also remarkable. Science and technology are playing an increasingly important role in promoting the comprehensive and high-quality development of the insurance industry. In order to further improve the domestic insurance science and technology system and mechanism and accelerate the development of insurance science and technology during the 14 th Five-Year Plan period, the document puts forward specific development goals in the medium term:
Further improve the insurance service methods, and promote the average online business rate of the industry to exceed 90%. Gradually realize the diversification and personalization of insurance products, and promote the industry average online products to account for more than 50%. Gradually expand the coverage of insurance services and promote online customers to account for more than 60%. Continuously improve the insurance pricing level, business quality and service efficiency, and promote the industry average underwriting automation rate to reach more than 70%, underwriting automation rate to reach more than 80%, and claims automation rate to reach more than 40%, and constantly provide high-quality, efficient and convenient insurance services for the people.
New situation, new problems and new development
Focus on deployment planning and innovate empowerment paths.
Judging from the above data, the innovation and application of insurance technology are profoundly changing the development ecology of the insurance industry, bringing about profound changes in marketing mode, service mode, operation mode and competition mode. Change is both an opportunity and a challenge. The application of insurance technology also faces many problems and challenges, such as the application level of insurance technology needs to be improved, and insurance institutions pay more attention to marketing than service; Pay more attention to income than risk; Emphasis on technology, light operation; Pay more attention to the part than the whole; For another example, the fragmentation of insurance technology application is more common, and the intelligence of insurance technology application is still immature.
How to establish a faster and more efficient insurance, underwriting and claims management service mechanism? How to provide a more comprehensive, high quality, convenient and intelligent insurance service experience? How to effectively promote the digital transformation and development of the overall insurance industry?
The plan points out that insurance technology promotes the digital transformation and development of the domestic insurance industry, showing the overall industry development trend of online, service, refinement, platform and intelligence. At the same time, it emphasizes "strengthening the empowerment of insurance technology value".
First, follow the development trend of the industry and pay attention to deployment planning.
"Online" development focus
Relying on the Internet and the Internet of Things, all business links that reach customers will be launched, and the efficiency of insurance business will be improved.
The development focus of "service"
The transformation of insurance business from post-low-frequency trading to pre-event, medium and high-frequency services will promote the transformation and development of comprehensive risk protection services and reduce insurance risks.
"Fine" development focus
Relying on the empowerment of science and technology, we will improve the ability of risk identification, provide more accurate personalized insurance services, and better meet the needs of insurance customers.
The development focus of "platformization"
With a platform-based development model, we will empower the deep integration of related industries and build an open and win-win insurance ecosystem.
The development focus of "intelligence"
Promote the development of insurance applications to intelligent online, further penetrate the insurance value chain, and improve the efficiency of insurance business and customer experience.
Application and value empowerment path of scientific and technological innovation
Focus on advanced technologies such as big data, cloud computing, artificial intelligence, blockchain, Internet of Things, and privacy computing. The plan has made a detailed development path plan, which has formed a guide for the innovation and application of insurance technology and the empowerment of scientific and technological value.
Strengthen the application of big data
Formulate a strategic plan for the development of big data; Improve the data governance system, open up data islands and release data value; Improve data application capabilities, establish an enterprise-level big data platform, improve data insight capabilities and scenario-based data mining capabilities, and explore integrated applications and cooperation with upstream and downstream industry data resources.
The steady development of cloud computing
Promote enterprises to adopt cloud computing; Support efficient operation, build the foundation of cloud computing platform, improve resource efficiency, R&D and delivery efficiency with the help of cloud native technology, quickly respond to scenario business needs, and support the instantaneous development of Internet channel business with high concurrency, multi-frequency and large traffic.
Deepen the application of artificial intelligence
Promote the deep integration and development of artificial intelligence technology application and insurance business; Improve the intelligence level of the whole business process, and empower customer demand analysis, precision marketing, underwriting claims, risk prevention and control, etc.
Excavate the value of blockchain
Deepen the application of blockchain technology scenarios, and tap the application value of blockchain in various insurance underwriting claims anti-fraud, product traceability, business data flow and other scenarios; Explore and realize the efficient management and utilization of blockchain data while ensuring privacy; Promote multi-scenario technology innovation and application of blockchain across institutions, industries and regions, and * * * build a cross-industry credible collaborative network ecosystem.
Expand the scene of Internet of Things
Give full play to the value of Internet of Things sensing technology in risk pricing, insurance actuarial, preventive maintenance, personalized customized services and so on. Promote the innovative application of Internet of Things technology in specific scenarios, including the application of insurance technology in vehicles, health management, housing property, construction, logistics and warehousing, asset management, safety management and other fields.
Explore the use of privacy computing
Forward-looking layout of privacy computing, exploring the realization of "data availability and invisibility", and promoting multi-party data collaborative computing and value sharing. This paper discusses the application value of privacy computing technology in specific scenarios such as insurance differential pricing, precision marketing, risk management and data information protection.