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亡人の雪女さんと呪いの - 揭秘那些不为人知的秘密
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亡人の雪女さんと呪いの - 揭秘那些不为人知的秘密

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  4月25日金融一线消息,齐鲁银行发布2024年年度报告。报告显示,该行2024年实现营业收入124.96亿元,同比增长4.55%;归属于上市公司股东的净利润49.86亿元,同比增长17.77%;不良贷款率1.19%,较上年末下降0.07个百分点。

专题:2025保险科技峰会:梁涛等出席

  4月25日金融一线消息,“2025保险科技峰会”今日在深圳正式举行,本次大会主题为“从互联网时代到AI时代,AI+保险的战略推进与应用创新”。律商联讯风险信息(以下简称“律商风险”)中国区首席技术官张勇出席并发表主题演讲。

  张勇从架构解析、AI研发及功能演示等维度,全方位介绍律商风险自主研发的一体化服务平台(TheOne)。该平台技术架构分为“云端服务”“终端系统”两大模块。云端服务提供标准化产品,涵盖车型数据、车辆信息、新能源、ADAS、风险评分等多元数据服务,保障数据全面实时;终端系统则部署于保险公司,集成车型数据与传统机器学习、大语言模型能力,支持私有化部署,有效规避敏感数据泄露风险。通过“123数据流”,终端系统实现云端数据同步、客户内部数据整合及外部数据连接,经数据清洗、标准化与建模分析,将高价值结果输出至业务系统。平台具备私有化部署、多数据源整合、“数据强化AI,AI助力工具”三大核心特点,推动车险风险评估向更智能精准方向发展。

  在车辆风险评估场景中,张勇以实例阐释道:当前针对标的车辆的风险评估维度已不再局限于物理属性,而是进一步延伸至车辆用途、驾驶行为特征,甚至纳入与车主或驾驶员相关联的画像信息。然而,部分客户对数据安全存在顾虑,担忧涉及隐私信息或商业保密内容的外泄。为此,律商风险一体化平台(TheOne)采用本地化部署方案,通过防火墙实现内外网隔离,同时建立可追溯的日志审计机制,从技术层面杜绝敏感信息外传的可能性,切实保障数据安全。

  AI研发是TheOne平台的核心亮点。律商风险聚焦垂直领域,致力于开发小而精的模型,通过持续迭代优化,提升模型精准度与性能。模型研发分为训练与推理两阶段:训练阶段结合行业特有语料库,将调优或蒸馏后的模型单独生成文件;推理阶段将模型文件嵌入应用软件服务场景,并运用【检索增强】技术,确保模型实时适应数据变化。张勇以不同车型训练参数差异为例,如新能源车“三电”系统、燃油车排量、货车载重及箱体尺寸等,强调构建训练样本需深厚的垂直领域知识与大量技术细节支撑。

  功能展示环节,张勇重点呈现车型车辆信息精准定型、车型专家模型、车型专家+保险顾问模型。在询报价、出单场景,平台可快速精准定型车辆,提升出单效率;AI助手应用于内部数据分析、单据识别、知识库等场景,优化办公流程;报价机器人则服务车险咨询、询报价等客户服务与自助场景,全方位提升客户体验。

  律商风险以信息安全和隐私保护的最高标准运营业务。律商风险中国于2017年3月起荣获ISO27001信息安全体系认证,于2020年4月起荣获中国信息系统安全等级保护三级认证,并于2023年7月起荣获中国信通院颁发的“联邦学习基础能力专项评测证书”,严谨的合规流程也确保了客户和合作方数据的合法合规应用。在数据呈爆发式增长的当下,保护隐私和负责任地使用数据至关重要。律商风险的解决方案和服务旨在减少欺诈、降低风险、使企业数据更为安全。

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