基于生理年龄的精算定价及人身险应用

发布时间：2018-06-25 01:18

本文选题：生理年龄 + 精算定价　；参考：《保险研究》2017年02期

【摘要】：互联网和大数据技术的融合让个体生理数据分析成为可能,并进一步推动个体健康风险量化,本文在此背景下,探讨人工智能与保险融合的新路径,提出了以生理年龄作为个体健康的风险量化指标,进而作为定价基础的新模式。本研究根据保险特征,优化深度学习技术,通过分析人体老化的生理特征,建立了基于手背纹理照片的生理年龄评价模型,在大量数据的支持下,可以获得稳健、精准的生理年龄定量评价结果。本文还讨论了以深度学习为代表的人工智能技术与保险融合的模式,提出了可能的结合点以及对应的比较结果。鉴于生理年龄可以更充分反映投保人的"健康风险"信息,论文认为该模式具有很好的应用价值,并通过分析现状,认为当前是保险公司建立"人工智能大脑"的关键时期。
[Abstract]:The combination of Internet and big data technology makes it possible to analyze individual physiological data and further promote the quantification of individual health risk. In this context, this paper discusses a new path of combining artificial intelligence and insurance. A new model based on physiological age is put forward, which can be used as a quantitative index of individual health risk and then as the basis of pricing. According to the characteristics of insurance, optimizing the technology of deep learning and analyzing the physiological characteristics of human aging, a physiological age evaluation model based on texture photographs of the back of the hand is established, which can be robust under the support of a large amount of data. Accurate quantitative evaluation of physiological age. This paper also discusses the model of the integration of artificial intelligence technology and insurance represented by deep learning, and puts forward the possible combination points and the corresponding comparison results. In view of the fact that physiological age can fully reflect the "health risk" information of the insured, the paper thinks that this model has good application value, and by analyzing the present situation, it is considered that the key period for insurance companies to establish "artificial intelligence brain" is at present.
【作者单位】：中央财经大学中国精算研究院;
【基金】：北京市哲学社会科学基金项目(编号:15JGC153) 教育部人文社科项目(编号:16YJCZH148);教育部人文社会科学重点研究基地重大项目(编号:16JJD790060) 数据灯塔(Data Lighthouse)计划
【分类号】：F842.4

【相似文献】