保险业+区块链技术：反欺诈效果立竿见影|The anti-fraud effect was immediate.

谈及区块链在应用层面上的运用，目前，国内乃至海外市场上已落地推广的项目尚且为数不多。对于以“信用”为根基的金融保险业而言，与能够构建起一套新型信用体系的区块链技术有着天然的契合，也正因如此，保险业成为了最早探索区块链技术应用的行业之一。
When it comes to the application of blockchain in application layer, there are few projects that have already been promoted in domestic and overseas markets. For "credit" as the foundation of the financial insurance industry, and to build up a new credit system block chain technology has a natural fit, is also for this reason, the insurance industry has become the first exploration blocks in one of the industry chain technology application.

近日，在每日经济新闻举办的保险科技闭门研讨会上，多位来自大型险企、互联网保险公司的技术部门高管，在区块链技术应用上展开了观点碰撞。
In the daily economic news in recent days, the insurance symposium on science and technology behind closed doors, many come from large insurance companies, insurance company's Internet technology executives, in block chain technology application on the collision point.

众所周知，基于身份识别自动执行的智能合约，可以触发保险的自动赔付，从而提升效率、改善用户体验。与会高管较为一致地认为，不限于这类较为基础的应用，区块链的唯一性、时间戳、可回溯、不可篡改等特征，还能实现保险业在数据交换场景下的应用。事实上，已有先行者发起基于区块链技术的保险业反欺诈联盟，并呼吁更多的机构加入。
As we all know, the intelligent contract based on the automatic implementation of identity recognition can trigger the automatic compensation of insurance, so as to improve the efficiency and improve the user experience. The executives think more consistent way, not limited to such a basic application, the uniqueness of block chain, timestamp, dating back, do not tamper with the characteristics, also can realize the insurance industry in the application of data interchange scenario. In fact, there are already pioneers who have launched the insurance anti-fraud coalition based on blockchain technology and called for more institutions to join.

区块链助力保险创新
Blockchain helps insurance innovation.

截至目前，人保财险和众安保险分别将区块链技术应用于肉牛、散养鸡的养殖领域，以保证流程的明确登记和不可篡改。区块链的进入对于拓展农业保险市场也提供了一个思路：由于采用了区块链防伪溯源，可实时了解到养殖产品的相关数据信息，降低了保险和信贷的风控风险及评估成本，增加保险公司对农户和养殖资产的承保热情。
So far, picc and zhongan insurance have applied the block chain technology to the breeding field of beef cattle and loose chicken, so as to ensure the clear registration and untampering of the process. Block chain into to expand agricultural insurance market also provides a train of thought: the adoption of anti-counterfeiting, block chain can real-time data information learned farming products, lowers the risk of insurance and credit risk control, and evaluation costs, increase the insurance company underwriting the enthusiasm of farmers and aquaculture assets.

区块链应用之下的保险市场潜力远不止于此。众安科技研发总监陆晓峰还指出，“类似钻石、珠宝等贵重商品的跟踪，通过区块链技术溯源，有了它做保险风险管控，将使以后对这种非常高价钱的商品财产险更加容易做到。”
The insurance market potential of the blockchain application is much more than that. The Liu Xiaofeng Ann technology research and development director also pointed out that "like diamonds, precious commodities such as jewelry, tracking, traceability through block chain technology, it do insurance risk control, this will make the future is very high price of the commodity property is more easy to do."

在此次闭门会上，与会高管一致认为，从整个科技发展规律和技术成熟路线来看，区块链技术真正落地应用的时机还未到。信美人寿相互保险社数据信息中心总监童国红表示，“目前区块链技术底层相对来说比较成熟，在部分行业也有成熟的应用，但与保险结合的场景，大家都还在尝试中，真正的爆发还未到来。”
At the closed-door meeting, the executives agreed that the timing of the real application of the blockchain technology was not yet available, from the perspective of the whole technology development law and technology maturity. Letter beauty life mutual insurance agency data information center director TongGuoGong said that "the current block chain technology is relatively mature, also has a mature application in some industries, but the scene with insurance, everyone is trying to, the real outbreak has not yet come."

不过，在互联网大数据、人工智能等科技手段陆续在保险领域应用之后，业界相信，区块链的兴起最终将与其他技术相结合，为保险产品的创新提出一种解决方案。爱心人寿CTO马湘一表示，“未来五到十年，区块链可能对保险业产生非常大的改变。”
However, big data over the Internet in succession, such as artificial intelligence technology in the field of insurance application, the industry believes that the rise of chain blocks, eventually will be combined with other technology, put forward a solution for the insurance product innovation. "In the next five to 10 years, the blockchain can make a very big difference to the insurance industry," said CTO ma xiang, a love life.

业内探索反欺诈联盟
The industry explores anti-fraud alliances.

在与会高管看来，不限于智能合约这类较为基础的应用，区块链的唯一性、时间戳、可回溯、和不可篡改等特征，还能实现保险业在数据交换场景下的应用。泰康在线CTO潘高峰表示，公司正在探索基于区块链技术的反欺诈联盟，并呼吁业界加入进来。
In executives attending the meeting point of view, not limited to, intelligent contract such a basic application, the uniqueness of block chain, timestamp, dating back, and do not tamper with the characteristics, also can realize the insurance industry in the application of data interchange scenario. The company is exploring an anti-fraud alliance based on the blockchain technology and is calling on the industry to join in, according to CTO pan.

据其介绍，泰康在线反欺诈联盟成立的初衷，是希望提供一个行业级的互联网风险保障平台。潘高峰透露，目前泰康在线布局的区块链反欺诈联盟系统，已经投入使用并和多个渠道进行了数据同步和数据共享等一系列操作。
According to its introduction, taikang online anti-fraud alliance was founded in the hope of providing an industry-level Internet risk protection platform. Pan gao revealed that the block chain anti-fraud alliance system of taikang online layout has been put into use and multiple channels have been used for data synchronization and data sharing.

“区块链在反欺诈领域的应用可以立竿见影，当然要跟物联网、大数据、智能合约来匹配。”人保财险党委副书记、监事会主席王和指出。潘高峰表示，“我们根据区块链的特性，编写了对用户过往投保及保单操作信息记录的智能合约，通过智能合约来界定用户在投保时是否具有投保资格及可购买的保单保障金额。通过区块链技术，希望在源头上做到杜绝骗保、骗赔等行为的发生。”
Block chain can immediate application in the field of fraud, with the Internet of things big data intelligent contracts to match the insurer, deputy party secretary Chairman of the supervisory board and the king and said Pan peak said, we according to the characteristics of chain blocks, write the past insured and the insurance policy to the user operation information record intelligent contract, through intelligent contracts to define whether users when the insured has insured qualification and policy guarantee amount to buy Through the block chain technology, in the hope that in the source put an end to the happening of insurance fraud cheats compensate, etc

令人印象深刻的是，近年来，不乏累计风险保额过高的案例：某人在多家保险公司分别购买了不同保额的短期意外险产品，最终累计上千万的风险保额引发市场关注。保险公司之间因缺乏数据交换，暴露出核保核赔阶段信息不对称问题。“通过区块链，可以把所有意外险的数据做上去，保险公司就可以自己做核保了。”潘高峰称。
Impressively, in recent years, there is no lack of cumulative risk premiums are high case: someone in many insurance companies respectively for the different amount of short-term insurance products, the final total tens of millions of risk premiums are causing market due to a lack of data exchange between the insurance company, exposed the underwriting HePei phase information asymmetry problem through block chain, can do all of the casualty data, insurance company can make your own underwriting pan peak said

潘高峰认为，同行业之间的区块链应用相对而言是一个见效快的项目，有着成熟的应用场景和共同的目标需求，某种程度上来说，各公司直接共享的数据就是成果。链上的实时数据即时可用，尤其在核保和核赔方面，可以毫不夸张地说，区块链上每新增一条数据，就是对所有的联盟成员新增了一层防护。目前区块链技术在反欺诈联盟项目中的应用主要是在核保核赔方面，现阶段也还处于技术验证和实践的程度。
Pan peak think, in the same block chain between applications is a relatively quick effect of project, has a mature application scenarios and common goal demand, to some extent, the company is directly Shared data results real-time data available immediately on the chain, especially in the underwriting and HePei aspect, it is no exaggeration to say, each block chain, a new data is for all the members added a layer of protection Current block chain technology application in the anti-fraud alliance project mainly in underwriting HePei aspect, at present is still in the degree of technology demonstration and practice