国际保险监督官协会（IAIS）：人工智能监督的应用论文（英文版）

The adoption of artificial intelligence (AI) systems is accelerating globally. For insurers, these developments offer substantial commercial benefits across the insurance value chain, for example by enhancing policyholder retention through personalised engagement, achieving significant cost reductions via increased efficiency in policy administration and claims management, or applying AI capabilities to improve risk selection and pricing. 2. However, with these advancements come risks that co