金融学院知识库

  科技作为保险企业进行数字化转型的依托，近年来频繁出现在各家上市保险企业年度报告中。随着科技行业的革新，AI、区块链、大数据等新兴数字化技术迅速应用在各大行业和场景中，在科技行业高速创新与发展的背景环境下，各路资本开始聚焦保险科技领域，传统的保险企业、新创保险公司、科技公司甚至一些互联网巨头纷纷瞄准“保险+科技”的发展模式，结合并利用自身发展优势，开始在保险科技领域大展身手，抢占市场先机。

  数字化转型，就是借助数字化技术提供企业所需要的一切支持，使得企业业务和技术真正产生交互。科技在保险企业各业务环节的赋能带来了传统险企的变革式发展，一些具有代表性的传统保险公司，比如中国人寿、中国人保、中国平安、中国太保，都将数字化转型提升至战略高度，由此可见科技应用对保险业实现高质量转型发展的重要性。

  保险与科技的深度碰撞有效的推动了保险行业的数字化转型发展。在通过阅读大量参考文献和互联网资料的基础上，本文通过对国寿、人保、平安以及太保四家保险集团2014—2019年的投入产出数据运用三阶段DEA模型进行运营效率分析，验证科技的赋能是否带来了企业运营效率的提升，最终结果显示在2019年四家保险集团的纯技术效率均值接近于1 ，企业的整体运营效率都有了提升，但四家保险集团在运营过程中都存在人才过多投入的现象。由于保险科技在我国的发展仍处于起步阶段，因而会导致一些问题的存在，本文将结合DEA模型运行后的实证结果，从企业、行业以及政府层面有针对性的对四家保险集团的数字化转型提出优化建议。

    Technology, as the support of insurance companies to carry out digital transformation, has frequently appeared in the annual reports of listed insurance companies in recent years. With the reformation and innovation of emerging technologies, AI, blockchain, big data and other newly-developing technologies have been promptly applied in various industries and scenarios. Against the background of super-speed innovation and development of science and technology industry, various capitals have begun to center on the domain of insurance technology, including traditional insurance enterprises, new ventures Insurance companies, technology companies and even some Internet giants are aiming at the development mode of "technology + insurance" one after another, combining and making use of their own development advantages, starting to show their talents in the domain of insurance technology and seize the market opportunities.

    Digital transformation is to provide all the support that enterprises need with the help of digital technology, so that enterprises' business and technology can really interact. Some representative traditional insurance companies, such as China national life insurance, PICC, China Ping An, and China Pacific Life Insurance, have start their digital transformation from a strategic perspective. It can be seen that the application of science and technology is significance for the insurance industry to achieve high-quality transition and development. The enabling of science and technology to the insurance industry has brought great changes in the insurance business and the whole process.

    The deep collision between insurance and technology has effectively promoted the digital transformation and development of the insurance industry. On the basis of reading a great deal of relevant literature and Internet materials, this paper employs Three-stage DEA model to analysis the operation efficiency of the four insurance groups from 2014 to 2019, and verifies whether the support of science technology has brought about the improvement of enterprise operation efficiency. The end result displays that the mean pure technical efficiency of the four insurance groups in 2019 is close to 1. The overall operation efficiency of the enterprises has been improved, but there is a phenomenon of excessive investment in talents in the operation process of the four insurance groups. As the development of insurance technology in China is still in the initial stage, it will result in some issues. Combined with the empirical findings of DEA model, this paper comes up with a few relevant suggestions on the digital transformation of four insurance groups from the enterprise, industry and government levels.