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区块链牵手保险,平安集团已经试水
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Topic: 区块链牵手保险,平安集团已经试水 (Read 80 times)
inu562
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区块链牵手保险,平安集团已经试水
January 12, 2018, 10:59:12 AM
#1
文|Debbie
4月5日讯,利用信息不对称骗保、篡改原始病例虚假理赔、保险赔偿金被冒领等问题,一直困扰着金融保险行业的长期健康发展,“区块链”技术也因此进入了保险业的视野,业内机构已经纷纷开始在“区块链”方面进行布局或探索。
保险和区块链有基因相似性。因为保险一个最大的特点是社会性,而区块链最大的亮点是基于社会性的一个管理。区块链技术利用全新加密认证技术和全网共识机制,维护一个完整的、分布式的、不可篡改的连续账本数据库,参与者通过统一、可靠的账本系统和“时间戳机制”,就能够确保资金和信息安全。
保险业在区块链加速投入
保险业利用区块链技术的创新在国内和国际市场都已有了布局。
近来,已经有一家保险代理公司与Facebook公司进行合作,借助聊天机器人Chatbot通过社交媒体卖保险。另有消息称,普华永道会计师事务所近日也面向伦敦保险市场创建了区块链概念产品的运营模式,该概念产品将着眼于加强伦敦市场中涉及理赔的第三方管理机构、索赔批准人、经纪人等利益各方交集。
同时,国内的一些保险机构也开始慢慢引入了区域链技术。2016年3月和7月,阳光保险分别推出了基于“区块链”作为底层技术架构的“阳光贝”积分及微信保险卡“飞常惠”航空意外险;2016年4月,平安集团宣布加入区块链国际联盟组织R3;2016年11月,众安保险业成立了科技子公司,区块链技术是其主要业务内容之一;2017年2月16日,泰康保险基于区块链技术的积分管理平台正式上线。
区块链如何影响保险业
保监会数据显示,2016年末我国保费收入已达到3.1万亿元,晋升全球第二保险大国。但是,保险业内仍然存在着消费误导、理赔效率低、行业信息无法共享等问题,保险业外也存在骗保骗赔、对保险不信任等问题,这些长期困扰,却又似乎难以破解。区块链技术的发展,特别是其安全性、可追溯、不可篡改等优势,或许可以成为解决上述问题的一把钥匙。这因为区块链具有分布式数据存储、点对点传输、共识机制、加密算法等特点。
区块链在保险行业能够通过共识算法和加密技术,确保数据交易的安全性,实现行业数据共享;基于可溯源、不可篡改的特征,确保数据交易的真实性,解决消费误导、骗保骗赔等问题;利用智能合约技术,实现自动理赔,提高理赔效率等。
同时,在创新保险经营模式方面,区块链的分布式数据库,实现了基于全网共识机制的跨区域的信息和价值交流,模糊了区域的地理界限,特别是打破了信息不对称对保险业务拓展的阻碍。而且还能够以此扩大覆盖范围,相对缩短了时间周期,使得原来的保险期限再分段成为可能,并据此开发出更具时间弹性的多样化保险产品,例如按需的车辆保险、根据特殊事件或特殊时段投保的人身保险等。区块链的跨时空特性,可以更加真实地反映承保风险,使得保险公司可以根据区域实际和时点特征,灵活调整保险产品承保范围并定价,满足个性化、定制化、差异化和碎片化的产品需求,推动互联网保险产品的自我进化。
然而很多区块链投资者、早期创业者、金融机构正在重新审视区块链的价值,甚至有人开始“泼冷水”。热炒之后,虽然有人相信区块链会颠覆贸易、资本市场、智能合约、借贷、跨境支付等行业,但是迟迟不见落地的区块链让投资者开始焦虑,他们开始要求所投企业尽快将技术从实验阶段走向商业化、规模化和生产利润。
其实,就目前而言,区块链技术在保险行业的应用仍处于早期研发和试水阶段,广泛应用仍需要有很长的一段路要走。
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