旧政权 (互惠) 和革命 (大数据)
1Centre de Sociologie des Organisations, Paris, France.
The British journal of sociology
|March 15, 2025
概括
欧洲保险行业所谓的大数据革命并不是真正的突破. 历史分析显示,企图个性化风险管理的尝试早在大数据之前就已经存在,并且仍然没有确定性,掩盖了更深层次的连续性.
科学领域:
- 社会经济学 社会经济学
- 技术的历史 技术的历史
- 保险研究 保险研究
背景情况:
- 亚历克西斯·德·托克维尔对法国大革命的分析强调了明显断裂下的连续性.
- 欧洲保险行业面临着被认为是"大数据革命",挑战其250年历史的风险组合模式.
- 这种感知革命威胁到风险管理的个性化,可能会改变社会团结和保险公司的性质.
研究的目的:
- 批判性地检查欧洲保险行业内"大数据革命"的概念.
- 将托克维尔的历史连续性概念应用于大数据对保险的影响.
- 挑战普遍的观点,即大数据代表了从根本上打破过去的保险实践.
主要方法:
- 对保险实践和风险管理的历史分析.
- 对托克维尔理论和当代大数据应用的比较研究.
- 对大数据对保险业务模式和社会团结的影响进行批判性评估.
主要成果:
- 试图在保险中个性化风险管理的尝试早于大数据的出现.
- 所谓的"大数据革命"在保险领域的特点是明显的,不完整的或未完成的断裂.
- 目前的大数据驱动的保险风险管理个性化已经产生了不确定的结果.
结论:
- 欧洲保险的"大数据革命"掩盖了深刻的连续性,而不是真正的断裂.
- 长期致力于个性化风险管理的努力表明,大数据的影响并不完全新鲜.
- 大数据在保险中的变革潜力,在风险聚合和社会团结方面,仍然不确定,需要进一步调查.
相关概念视频
Health Information Technology and Healthcare Information System
785
Health Information Technology (HIT)
Health Information Technology, commonly called HIT, integrates advanced information systems and technology in healthcare settings. Its primary functions include:
Health Information Technology, commonly called HIT, integrates advanced information systems and technology in healthcare settings. Its primary functions include:
785
Data Reporting and Recording
4.6K
Reporting and recording are crucial in data documentation. The timely, thorough, and accurate documentation of facts is essential when recording patient data. Failure to record findings during an assessment or interpretation of a problem will result in loss of information and make the patient document unreliable. The reader is left with general impressions if the information is not specific. A recording is documenting data of the individual's health information in a traceable, secure, and...
4.6K
Issues And Trends In Healthcare Delivery System
5.5K
The issues and trends in healthcare delivery are constantly changing. The COVID-19 pandemic is one recent issue that wreaked havoc on healthcare systems, causing a shortage of healthcare workers, high demand for medicines and supplies, and increased medical expenditure due to a lack of insurance. Other issues include rising healthcare costs and care fragmentation.
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
5.5K
Distribution Reliability and Automation
96
Distribution reliability in electrical power systems is critical for ensuring an uninterrupted power supply to consumers at minimal cost. According to IEEE Standard Terms, reliability is the probability that a device will function without failure over a specified time period or amount of usage. For electric power distribution, this translates to maintaining continuous power supply and addressing customer concerns over power outages. Several indices, as defined by IEEE Standard 1366-2012, are...
96
Data: Types and Distribution
667
In biostatistics, data are the observations collected for analysis. There are two main types: parametric and non-parametric. Parametric data, which include continuous (e.g., weight) and discrete numerical data (e.g., number of tablets), assume a particular distribution pattern, often the normal distribution. Non-parametric data do not adhere to a specific distribution and typically comprise nominal (e.g., gender) and ordinal categorical data (e.g., pain scale ratings).
Distributions in...
Distributions in...
667
Data Collection III
2.6K
The physical assessment examines the patient for objective data that defines the patient's condition, and aids in formulating the nursing care plan. The purpose of physical assessment is a health status appraisal, which includes identifying health problems, and establishing a database for nursing intervention.
The principles to begin the physical assessment include conducting a comprehensive or problem-related history in a quiet, well-lit room, emphasizing privacy and comfort for the...
The principles to begin the physical assessment include conducting a comprehensive or problem-related history in a quiet, well-lit room, emphasizing privacy and comfort for the...
2.6K


