蚂蚁场景险：用科技为消费场景赋能
案例编号：
CN_2023KJYGSCW_3922
被浏览次数：
980
案例名称：
蚂蚁场景险：用科技为消费场景赋能
译名：
Ant scene insurance: use technology to empower consumption scenarios
案例作者：
许艳芳、伊志宏、张霞
作者单位：
中国人民大学商学院
译者：
-
案例企业：
蚂蚁集团
行业：
金融业
学科领域：
会计与公司财务、其他
规模：
大型
案例语种：
中文
案例类型：
描述型
中文关键词：
蚂蚁集团；互联网保险；场景险；保险科技
英文关键词：
Ant Group; Internet insurance; scenario insurance; Insurtech
中文摘要：
随着生活水平提高和数字经济深入发展，居民碎片化的保险需求日益兴起，作为互联网保险品种的场景险应运而生，近些年来得到了跨越式发展。蚂蚁集团与数十家保险机构合作，从 2010 年至今创新出上百种场景保险，利用动态精算、人工智能、安全等数字保险科技能力全面优化保险流程，助力解决我国数亿居民在数字消费场景中面临的各类碎片化风险。本案例通过对蚂蚁场景险业务发展、蚂蚁场景险的特点和运营模式、保险科技在蚂蚁场景险业务流程的各个阶段的运用等的介绍，可以让学员直观了解到场景险产生的原因是什么？场景险的运营模式是什么？场景险整个产品周期内中运用了哪些保险科技？蚂蚁场景险对保险公司、保险生态起到了哪些作用？
英文摘要：
With the improvement of living standards and the in-depth development of the digital economy, the fragmented insurance demand of residents is rising, and scenario insurance as an Internet insurance product has emerged as the times require, and has developed by leaps and bounds in recent years. Ant Group has cooperated with dozens of insurance institutions to innovate hundreds of scenarios of insurance from 2010 to the present, using digital insurance technology capabilities such as dynamic actuarial, artificial intelligence, and security to comprehensively optimize the insurance process and help solve various fragmented risks faced by hundreds of millions of residents in China in digital consumption scenarios. Through the introduction of the development of Ant scenario insurance business, the characteristics and operation mode of Ant Scenario Insurance, and the application of InsurTech in various stages of the Ant Scenario Insurance business process, this case can enable students to intuitively understand the reasons for the occurrence of Ant Scenario Insurance. What is the operating model of scenario insurance? What insurtech is used throughout the product life cycle of scenario insurance? What role does ant scenario insurance play in insurance companies and insurance ecology?
适用对象：
工商管理或金融专业本科学生、MBA、EMBA
编写方式：
采编
开发时间：
2021
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