在中国保险公司的不当行为中,被忽视的风险是数字化造成的
Jiandi Zhang1, Xiaoqing Guo2, Rui Xu3
1Shanghai Lixin University of Accounting and Finance, Shanghai, China.
PloS one
|November 12, 2025
概括
保险行业的数字化转型增加了不当行为,尤其是财产保险公司. 这一趋势是由市场扩张和金融压力推动的,但可以通过诸如更高保险密度等因素来缓解.
科学领域:
- 商业和经济学 商业和经济学
- 信息系统信息系统信息系统
背景情况:
- 数字化转型为保险行业提供了增长机会和不当行为风险.
- 了解数字化转型与不当行为之间的关系对于监管监督和行业稳定至关重要.
研究的目的:
- 研究数字化转型对中国保险行业不当行为的影响.
- 确定数字化转型影响保险公司不当行为的具体因素和道.
主要方法:
- 使用文本分析量化数字化转型和不当行为水平.
- 该研究分析了2010年至2021年间72家中国保险公司的数据.
主要成果:
- 数字化转型通常与不当行为增加有关,特别是在财产保险公司和具有联合或外国所有权的保险公司.
- 发布数字政策和采用超出管理能力的技术显著加剧了不当行为.
- 市场扩张和金融压力是数字化转型推动不当行为的关键道.
结论:
- 拥有更大的市场份额,更低的佣金和运营成本的保险公司在数字化转型期间更容易发生不当行为.
- 缓解因素包括更高的保险密度,市场透率,保费收入增长和经济不确定性降低.
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