摘要在全球保险科技蓬勃发展的背景下，传统的保险模式已经不能满足当代人的需求和时代的节奏。“保险科技”是这几年在保险行业无人不知的话题，随着科学技术进步对保险业影响的逐步加深，保险科技通过新技术、远程信息处理和人工智能大数据等来促使保险业更深一步的变革。五年前，中国第一家互联网保险公司众安保险正式成立，旨在云端构建核心系统，并涵盖对人工智能，区块链，云计算，大数据和其他技术进行保险保障的全过程。目前，中国几乎所有保险公司都已开始保险科技领域的深入探索，并将保险科技作为公司发展的主流战略。目前保险科技虽是互联网保险的下一个竞争领域，并且已进入高速开发阶段，但仍面临技术创新能力弱以各种风险的挑战。想要让保险科技在保险行业取得更高的成就，必须得克服重重困难。本论文以众安保险的发展为例，创新点是通过数据和实例，说明了实施保险科技对保险领域发展的重要性，并分析了保险科技发展的现状和存在的问题。通过众安保险实际事例探讨，从中借鉴经验，对现在保险科技面临的一些发展问题提供一些浅薄的对策意见。关键词：保险科技众安保险发展现状对策ABSTRACTIn the context of the development of world insurance technology,the traditionalinsurance model can no longer meet the needs of modern people and the rhythm ofthe times."Insurance technology"is the past few years,no one in the insuranceindustry does not know the topic,the impact of scientific and technological progresson the insurance industry will gradually deepen,new technologies in insurancetechnology,through in-vehicle information service systems and artificial intelligenceand other data,the insurance industry.Five years ago,Zhongan Insurance,China 'sfirst internet insurance company,was formally established to build a core system inthe cloud and cover the entire process of insurance protection for artificial intelligence,blockchain,cloud computing,big data,and other technologies.At present,almost allinsurance companies in China have begun in-depth exploration in the field ofinsurance technology,and take insurance technology as the company's mainstreamstrategy for development.At present,although insurance technology is the next competitive field ofInternet insurance and has entered the stage of high-speed development,it still facesthe challenge of various risks due to weak technological innovation capabilities.Inorder for insurance technology to achieve higher achievements in the insuranceindustry,it is necessary to overcome many difficulties.This paper takes the development of Zhongan Insurance as an example,Thepoint of innovation is to illustrate the importance of implementing insurancetechnology to the development of the insurance field through data and examples,analyze the development status and existing problems of insurance technology,andpass the actual examples of Zhongan Insurance.Explore,draw lessons from it,andprovide some shallow countermeasures and suggestions on some development issuesfacing insurance technology now.Key words:Insurance TechnologyZhongAn InsuranceDevelopmentStatusCountermeasures目录一、引言1(一)选题背景及意义····1(一)在国家政策支持下的保险科技2(三)保险科技应用各个层次...44(二)科技赋能新保险.·····(三)众安保险值得借鉴的地方，······6四、保险科技发展过程中存在的问题以及对策.·77五、总结1011致