《保险研究》20230401-《数字金融背景下保险业发展的机遇与挑战》（战明华、孙晓珂、张琰）

［摘   要］数字金融是近些年来在全球迅速兴起的最重要金融创新形式。数字金融在以前所未有的速度给传统金融体系带来巨大冲击的同时，也为金融业的发展开拓了新的巨大空间。本文研究了这一背景下数字金融给我国保险业带来的机遇与挑战。研究认为，数字金融并未改变保险业的基本功能，但具有显著的功能增进效应：一是通过大数据和云计算，数字金融技术有助于解决保险事件日益复杂化条件下的事件联合分布难以识别的问题；二是通过区块链技术，数字金融技术可显著弱化投保人与保险公司之间的信息不对称问题，这种信息不对称的后果不同于银行中介信贷配给的供给不足，而是对保险产品的有效供给和有效需求不足。此外，数字金融还通过减小中介交易成本，以及开发场景化和个性化保险产品等途径，极大改变了保险业的经营模式和业务形态。研究提出，未来保险业数字化转型可以聚焦于创新养老保险服务模式、推动健康保险由赔付型向管理型转变、提高农业保险经营效率、推动绿色保险进一步发展等重点领域。

［关键词］数字金融；金融功能；业务形态；重点领域

［基金项目］本研究得到了国家社会科学基金重大项目（21&ZD113）、国家社会科学基金重点项目（20AZD026）、国家自然科学基金青年项目（12001119）、教育部人文社会科学研究青年基金项目（22YJC840025）、广东省基础与应用基础研究区域联合基金（2022A1515111007）的资助,特此致谢。

［作者简介］战明华，广东外语外贸大学教授、博士生导师，广州市人文社科重点研究基地华南财富研究中心主任，金融开放与资产管理研究中心；孙晓珂，广东外语外贸大学金融学院讲师；张琰（通讯作者），广东外语外贸大学金融学院副教授、硕士生导师。

Opportunities and Challenges of Insurance Industry Development Under the Background of Digital Finance

ZHAN Ming-hua,SUN Xiao-ke,ZHANG Yan

Abstract：Digital finance is the most significant kind of financial innovation that has rapidly emerged globally in recent years.While digital finance has had an enormous impact on the traditional financial system,it has also created an immense new space for the growth of the financial industry.This paper examines the opportunities and challenges presented by digital finance to the Chinese insurance industry.According to the research,digital finance has not changed the insurance industry′s fundamental functions,but it has had a substantial effect on function enhancement:first,using big data and cloud computing,digital finance technology helps to address the challenge of recognizing the joint distribution of insurance accidents which are becoming increasingly complicated;second,using the blockchain technology,digital financial technology can considerably mitigate the problem of information asymmetry between policyholders and insurers.This information asymmetry has effects distinct from the limited supply of bank intermediary credit rationing,but leads to insufficient demand for insurance;in addition,digital finance has completely affected   the operational mode and business form of the insurance industry by reducing the transaction costs of intermediaries and developing scenario-based and personalized insurance products.The study suggests that the future digital transformation of the insurance industry can concentrate on key areas such as innovating pension insurance service models,promoting the transformation of health insurance from compensation to management,enhancing the efficiency of agricultural insurance operations,and promoting the continued development of green insurance.

Key words：digital finance;financial function;business forms;key fields