《保险研究》20191003-《保险科技对保险业的影响研究》（完颜瑞云、锁凌燕）

［摘   要］新技术正在融入并深刻影响人们的生产生活,而且已经成为当前引领保险业变革的关键因素。保险科技的应用已经引起业界广泛关注,并有望继续加速。要把握技术进步带来的重要机遇,有必要就其对保险业的影响进行深入解构和研判,本文从实证的角度检验保险科技对保险业发展的影响，针对保险业的核心业务维度,即负债端、资产端和风险承担行为等三个方面,选择我国31个省区2007~2017年的非平衡面板数据,就保险科技对保险业的作用与影响路径进行了实证研究,为行业发展和监管提出了较为坚实的事实依据。研究结果表明,保险科技对负债端、资产端和风险承担行为的影响是显著且稳健的。

［关键词］保险科技；保险业发展；实证研究

［作者简介］完颜瑞云,西南财经大学保险学院讲师,E-mail：wanyanruiyun@163.com；锁凌燕,北京大学经济学院风险管理与保险学系副教授,E-mail：lingyan_suo@pku.edu.cn。

InsurTech’s Impact on China’s Insurance Industry

WANYAN Rui-yun,SUO Ling-yan

Abstract：New technology is integrating into our production and daily life,and has become the key factor leading the reform of insurance industry.The application of InsurTech has attracted wide attention in the industry and is expected to continue to accelerate.In order to seize the important opportunities brought by technological progress,it is necessary for us to conduct in-depth analysis of and judgment on its impact on the insurance industry.Aiming at the core business dimension of the insurance industry,i.e.liability,assets and risk-taking behaviors,this article chose unbalanced panel data of 31 provinces and regions in China from 2007 to 2017 to make an empirical study on the role and impact path of InsurTech and put forward a solid factual basis for industry development and supervision.The results show that InsurTech has significant and steady influence on liability,assets and risk-taking behaviors.

Key words：InsurTech;development of insurance industry;empirical study