北京(jing)2016年11月(yue)22日(ri)電 /美通社(she)/ -- 11月(yue)20日(ri)，清華(hua)大學國(guo)(guo)(guo)(guo)家金(jin)(jin)融研(yan)究(jiu)(jiu)院中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)保(bao)(bao)險(xian)(xian)(xian)與(yu)養(yang)老(lao)(lao)金(jin)(jin)研(yan)究(jiu)(jiu)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)第(di)一次理(li)(li)事(shi)(shi)會(hui)(hui)、顧問(wen)委員會(hui)(hui)閉門會(hui)(hui)議在京(jing)召(zhao)開，政府(fu)、企業(ye)人士群賢(xian)云(yun)集，包(bao)括全(quan)國(guo)(guo)(guo)(guo)政協常委、中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)保(bao)(bao)監(jian)(jian)(jian)(jian)會(hui)(hui)原副主席李克穆、中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)保(bao)(bao)監(jian)(jian)(jian)(jian)會(hui)(hui)原副主席魏(wei)迎寧(ning)，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)保(bao)(bao)監(jian)(jian)(jian)(jian)會(hui)(hui)原副主席周延禮，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)保(bao)(bao)監(jian)(jian)(jian)(jian)會(hui)(hui)國(guo)(guo)(guo)(guo)際(ji)部主任姜波，國(guo)(guo)(guo)(guo)務院發(fa)(fa)展(zhan)研(yan)究(jiu)(jiu)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)金(jin)(jin)融所(suo)所(suo)長(chang)張承(cheng)惠，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)保(bao)(bao)險(xian)(xian)(xian)資產管理(li)(li)業(ye)協會(hui)(hui)執行副會(hui)(hui)長(chang)、秘書長(chang)曹德云(yun)，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)保(bao)(bao)監(jian)(jian)(jian)(jian)會(hui)(hui)國(guo)(guo)(guo)(guo)際(ji)部機構(gou)處處長(chang)王(wang)彩霞，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)保(bao)(bao)監(jian)(jian)(jian)(jian)會(hui)(hui)國(guo)(guo)(guo)(guo)際(ji)部外事(shi)(shi)處處長(chang)趙光(guang)毅(yi)，中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)保(bao)(bao)監(jian)(jian)(jian)(jian)會(hui)(hui)國(guo)(guo)(guo)(guo)際(ji)部國(guo)(guo)(guo)(guo)際(ji)合(he)作處副處長(chang)霍洪強(qiang)，新(xin)華(hua)人壽(shou)保(bao)(bao)險(xian)(xian)(xian)股份有(you)限公(gong)(gong)司董(dong)事(shi)(shi)長(chang)兼(jian)CEO萬峰，一帶一路投(tou)資基(ji)金(jin)(jin)董(dong)事(shi)(shi)長(chang)謝濱，華(hua)夏(xia)人壽(shou)保(bao)(bao)險(xian)(xian)(xian)股份有(you)限公(gong)(gong)司總經(jing)理(li)(li)趙子良，同盾科技有(you)限公(gong)(gong)司董(dong)事(shi)(shi)長(chang)兼(jian)CEO蔣(jiang)韜(tao)等(deng)，嘉賓們積(ji)極發(fa)(fa)言(yan)，暢談(tan)全(quan)球化背景下中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)保(bao)(bao)險(xian)(xian)(xian)行業(ye)的創新(xin)發(fa)(fa)展(zhan)，共同為中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)保(bao)(bao)險(xian)(xian)(xian)與(yu)養(yang)老(lao)(lao)金(jin)(jin)研(yan)究(jiu)(jiu)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)成(cheng)為該領(ling)域重要(yao)的政策智庫機構(gou)建言(yan)獻策。此次會(hui)(hui)議上，清華(hua)大學五(wu)道(dao)口(kou)金(jin)(jin)融學院與(yu)同盾科技有(you)限公(gong)(gong)司達成(cheng)全(quan)面合(he)作伙伴關系，雙(shuang)方將聯合(he)成(cheng)立“清華(hua)五(wu)道(dao)口(kou)保(bao)(bao)險(xian)(xian)(xian)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)發(fa)(fa)展(zhan)基(ji)金(jin)(jin)”，共同致力于保(bao)(bao)險(xian)(xian)(xian)與(yu)養(yang)老(lao)(lao)金(jin)(jin)大數據領(ling)域的研(yan)究(jiu)(jiu)創新(xin)。同盾科技董(dong)事(shi)(shi)長(chang)兼(jian)CEO蔣(jiang)韜(tao)受(shou)委聘擔(dan)任中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)(guo)(guo)保(bao)(bao)險(xian)(xian)(xian)與(yu)養(yang)老(lao)(lao)金(jin)(jin)研(yan)究(jiu)(jiu)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)理(li)(li)事(shi)(shi)一職，并(bing)與(yu)眾嘉賓一同為研(yan)究(jiu)(jiu)中(zhong)(zhong)(zhong)(zhong)(zhong)(zhong)心(xin)揭牌。

清華大學(xue)五(wu)道(dao)口金(jin)融學(xue)院常務(wu)副院長廖(liao)理在致(zhi)(zhi)辭中(zhong)(zhong)對支(zhi)持(chi)中(zhong)(zhong)心(xin)成(cheng)立(li)的機構和(he)企業(ye)致(zhi)(zhi)以(yi)誠摯(zhi)感(gan)謝。他還提到中(zhong)(zhong)國(guo)(guo)目前已(yi)經成(cheng)為(wei)(wei)全球第三(san)大保險(xian)市(shi)場，業(ye)務(wu)保持(chi)高(gao)速增長，但保險(xian)業(ye)自身還存在一(yi)些問(wen)題(ti)，需(xu)要(yao)不斷加(jia)強研究和(he)創(chuang)新(xin)(xin)，在這一(yi)過程中(zhong)(zhong)清華五(wu)道(dao)口責無旁(pang)貸，將(jiang)為(wei)(wei)保險(xian)行業(ye)的發展貢獻力量。新(xin)(xin)成(cheng)立(li)的中(zhong)(zhong)國(guo)(guo)保險(xian)與養老金(jin)研究中(zhong)(zhong)心(xin)將(jiang)致(zhi)(zhi)力于成(cheng)為(wei)(wei)國(guo)(guo)際領先的協同創(chuang)新(xin)(xin)研究平(ping)臺(tai)，具有行業(ye)影響力的高(gao)端人(ren)才培養和(he)交(jiao)流平(ping)臺(tai)，以(yi)及政產學(xue)研有機互動的創(chuang)業(ye)實踐與孵化平(ping)臺(tai)。

同盾科技CEO蔣韜在演講中(zhong)(zhong)提到，清華(hua)大學(xue)五道口金融(rong)(rong)學(xue)院作為中(zhong)(zhong)國改革開(kai)放的(de)歷(li)史見證(zheng)者(zhe)和推動金融(rong)(rong)體(ti)制發展(zhan)變革的(de)身體(ti)力(li)行者(zhe)，是(shi)中(zhong)(zhong)國重要的(de)高等金融(rong)(rong)專業人才(cai)培養(yang)基地，是(shi)金融(rong)(rong)界的(de)黃埔軍校。

同(tong)(tong)盾科(ke)技作為互聯網及金(jin)融大數據(ju)(ju)風控(kong)的(de)從業者(zhe)，此(ci)次有機(ji)會(hui)聯手清(qing)(qing)華(hua)大學五道口金(jin)融學院(yuan)進行大數據(ju)(ju)研究(jiu)，能夠促進自身產品與技術的(de)持續創新，幫(bang)助企業和機(ji)構客戶降低因為欺詐(zha)而帶來的(de)資金(jin)、聲譽損失，提升同(tong)(tong)盾風控(kong)服務的(de)專業性(xing)和可靠性(xing)。此(ci)次，同(tong)(tong)盾科(ke)技與清(qing)(qing)華(hua)大學五道口金(jin)融學院(yuan)成立“清(qing)(qing)華(hua)五道口保(bao)險(xian)中(zhong)心發展基(ji)金(jin)”，幫(bang)助學院(yuan)致(zhi)力于(yu)保(bao)險(xian)與養(yang)老金(jin)大數據(ju)(ju)領(ling)域的(de)研究(jiu)創新，并使之(zhi)成為中(zhong)國保(bao)險(xian)與養(yang)老金(jin)領(ling)域重要的(de)政策智庫機(ji)構。

前幾(ji)天，同(tong)盾科技參加了(le)第三屆(jie)世界互(hu)(hu)聯(lian)網(wang)(wang)大會，切(qie)身感受到(dao)(dao)身處(chu)互(hu)(hu)聯(lian)網(wang)(wang)金融保(bao)(bao)險(xian)領域應該肩負的時代使命。以互(hu)(hu)聯(lian)網(wang)(wang)保(bao)(bao)險(xian)行業為例(li)，互(hu)(hu)聯(lian)網(wang)(wang)保(bao)(bao)險(xian)正處(chu)于在(zai)爆(bao)發前夜，華興(xing)資本近日(ri)發布(bu)的《互(hu)(hu)聯(lian)網(wang)(wang)保(bao)(bao)險(xian)商業模式》數(shu)(shu)據顯示(shi)，自2011年以來，互(hu)(hu)聯(lian)網(wang)(wang)保(bao)(bao)費(fei)規模從 32 億元(yuan)上漲至2015年的 2234 億元(yuan)，4年的時間翻了(le)69倍，滲透(tou)率達到(dao)(dao)了(le)9.2%。預計(ji)到(dao)(dao)2020年，行業規模有望(wang)達到(dao)(dao) 4000 億 - 1.75 萬億元(yuan)，較(jiao)2015年有4-17倍的增(zeng)長。互(hu)(hu)聯(lian)網(wang)(wang)保(bao)(bao)險(xian)業務(wu)數(shu)(shu)量激(ji)增(zeng)，信息(xi)安全(quan)風(feng)險(xian)等問(wen)題日(ri)益凸顯亟待解決。

全球化背景下(xia)中(zhong)國保險行(xing)業(ye)的(de)(de)如何創(chuang)新(xin)發展(zhan)，這(zhe)是(shi)一(yi)個(ge)(ge)(ge)學(xue)術業(ye)界共(gong)同(tong)面臨的(de)(de)重(zhong)大課題。同(tong)盾科技有(you)(you)(you)限公(gong)(gong)司(si)(si)副總裁(cai)孫程越進行(xing)了(le)(le)題為《大數(shu)據助力保險行(xing)業(ye)風控(kong)升級》的(de)(de)演(yan)講(jiang)，提到中(zhong)國保險行(xing)業(ye)在(zai)發展(zhan)的(de)(de)過程中(zhong)除(chu)了(le)(le)產品(pin)的(de)(de)創(chuang)新(xin)，風險控(kong)制是(shi)非常重(zhong)要的(de)(de)另一(yi)方(fang)面，風控(kong)應(ying)該從工具上升到保險公(gong)(gong)司(si)(si)戰略層面。同(tong)盾在(zai)保險領(ling)域正是(shi)通過大數(shu)據的(de)(de)分(fen)析來幫(bang)助保險公(gong)(gong)司(si)(si)加強風險控(kong)制，促進創(chuang)新(xin)業(ye)務快速健康發展(zhan)。比如信用(yong)保證(zheng)保險，在(zai)貸前審核方(fang)面，一(yi)個(ge)(ge)(ge)申請者(zhe)雖然暫時(shi)沒(mei)有(you)(you)(you)出現失聯或(huo)者(zhe)是(shi)上黑(hei)名單的(de)(de)情況，但(dan)是(shi)它在(zai)很多平臺都(dou)有(you)(you)(you)借(jie)(jie)貸的(de)(de)行(xing)為，我們認為這(zhe)個(ge)(ge)(ge)人(ren)(ren)是(shi)多頭(tou)借(jie)(jie)貸，信用(yong)已經惡(e)化了(le)(le)。我們還推出了(le)(le)貸后(hou)監(jian)控(kong)的(de)(de)產品(pin)，一(yi)個(ge)(ge)(ge)人(ren)(ren)如果在(zai)某個(ge)(ge)(ge)平臺做了(le)(le)消費分(fen)期，但(dan)是(shi)他(ta)在(zai)未來的(de)(de)某個(ge)(ge)(ge)時(shi)間在(zai)其他(ta)的(de)(de)平臺有(you)(you)(you)沒(mei)有(you)(you)(you)失聯，有(you)(you)(you)沒(mei)有(you)(you)(you)逾期，有(you)(you)(you)沒(mei)有(you)(you)(you)過多平臺的(de)(de)借(jie)(jie)貸的(de)(de)行(xing)為，貸后(hou)監(jian)控(kong)可以在(zai)這(zhe)些方(fang)面幫(bang)助保險公(gong)(gong)司(si)(si)做好風險控(kong)制。

風(feng)口浪尖，機(ji)(ji)遇與(yu)風(feng)險(xian)并存。中(zhong)國保(bao)險(xian)行(xing)業良性快速發(fa)展迎來(lai)爆(bao)發(fa)期。未來(lai)幾年，同盾(dun)將與(yu)中(zhong)國保(bao)險(xian)與(yu)養老金研究中(zhong)心緊密合作，將金融保(bao)險(xian)大數據(ju)研究成果用于提升產(chan)品(pin)進階技術(shu)。同時，同盾(dun)建(jian)立的跨(kua)行(xing)業聯(lian)(lian)防聯(lian)(lian)控(kong)體系(xi)，獨有的跨(kua)行(xing)業聯(lian)(lian)防聯(lian)(lian)控(kong)理念，由(you)客戶(hu)將業務數據(ju)和(he)同盾(dun)云(yun)端系(xi)統實時對接，同盾(dun)用一套規則模型進行(xing)運(yun)算。目前，越(yue)來(lai)越(yue)多的企(qi)業加(jia)入(ru)進來(lai)，這樣可以(yi)在(zai)更大范圍內監控(kong)和(he)及時預警網絡欺(qi)詐(zha)活動，幫助企(qi)業和(he)機(ji)(ji)構降低風(feng)險(xian)，更好的把握商業機(ji)(ji)會(hui)。