我国保险科技发展现状及问题研究

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中图分类号：F840.4 文献标识码：A 文章编号：1004-0714（2025）10-0048-04

Research on the Current Status and Problems of Insurance Technology Development in China

WANG Qi (SchoolofooicoioalicalUity5no)

Abstract:Inltoday'srapidly developing digital economy eralinsurance technologyin China has becomean important force in promoting the transformation and upgrading of the insurance industry.In recent years, with the continuous application of emerging technologies such as bigidata，artificial intelligence，and blockchain,China’sinsurance technology hasshownavigorous developmenttrend,not onlyimprovingtheconvenienceand personalizationlevellof insurance services,but also promotingthedigitaltransformation and high-qualitydevelopment of the insurance industry.However,while developing rapidly,insurance technology also faces many challenges and problems that require high attention from bothinside and outside the indus try,andeffective solutions are sought.This article elaborates on the current situation of insurance technology in China, points out several major issues,and proposes prospects for the future.

Keywords:Insurance Technology;Present Situation;Problem Countermeasures

一、引言

保险科技作为金融科技的一个分支领域，是人工智能、区块链、云计算、大数据等底层技术与保险业务深度融合带来的流程优化和价值创造技术。（剩余7769字）