本文選題：生理年齡 + 精算定價(jià)�。� 參考：《保險(xiǎn)研究》2017年02期

【摘要】：互聯(lián)網(wǎng)和大數(shù)據(jù)技術(shù)的融合讓個(gè)體生理數(shù)據(jù)分析成為可能,并進(jìn)一步推動(dòng)個(gè)體健康風(fēng)險(xiǎn)量化,本文在此背景下,探討人工智能與保險(xiǎn)融合的新路徑,提出了以生理年齡作為個(gè)體健康的風(fēng)險(xiǎn)量化指標(biāo),進(jìn)而作為定價(jià)基礎(chǔ)的新模式。本研究根據(jù)保險(xiǎn)特征,優(yōu)化深度學(xué)習(xí)技術(shù),通過分析人體老化的生理特征,建立了基于手背紋理照片的生理年齡評(píng)價(jià)模型,在大量數(shù)據(jù)的支持下,可以獲得穩(wěn)健、精準(zhǔn)的生理年齡定量評(píng)價(jià)結(jié)果。本文還討論了以深度學(xué)習(xí)為代表的人工智能技術(shù)與保險(xiǎn)融合的模式,提出了可能的結(jié)合點(diǎn)以及對(duì)應(yīng)的比較結(jié)果。鑒于生理年齡可以更充分反映投保人的"健康風(fēng)險(xiǎn)"信息,論文認(rèn)為該模式具有很好的應(yīng)用價(jià)值,并通過分析現(xiàn)狀,認(rèn)為當(dāng)前是保險(xiǎn)公司建立"人工智能大腦"的關(guān)鍵時(shí)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.
【作者單位】： 中央財(cái)經(jīng)大學(xué)中國精算研究院;
【基金】：北京市哲學(xué)社會(huì)科學(xué)基金項(xiàng)目(編號(hào):15JGC153) 教育部人文社科項(xiàng)目(編號(hào):16YJCZH148);教育部人文社會(huì)科學(xué)重點(diǎn)研究基地重大項(xiàng)目(編號(hào):16JJD790060) 數(shù)據(jù)燈塔(Data Lighthouse)計(jì)劃
【分類號(hào)】：F842.4

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