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0822
Tonix Pharmaceuticals Expands Preclinical Pipel↓±×ine with Triple Reuptake Inhibitor, TNX-1600, forΩ§ the Treatment of PT≤πSD
Tonix Pharmaceuticals Holding Corp., a clinical-Ω≈ββstage biopharmaceutical comα>pany, announced today an exclusive agreem£ε>ent to in-license a triple reuptake i≠±nhibitor (TRI), TNX-1600 Ω©→(formerly D-578), to treat posttraumatic stre ss disorder (PTSD) and potentially other" λ central nervous system (CNS) disorde ♣rs. The compound was developed and pharmacolog★πically characterized by Aloke Dutta, P<↑÷πh.D., professor of Pharmaceutical Scγ<iences at Wayne State University, wε≥ith funding from a N®Ω>ational Institutes of Health grant (grant n¥ ₹umber MH084888), and th÷≥ε$e patents covering the compounds were ≤£licensed to TRImaran Pharma, Inc. (TRImaran)."♥ The transaction announced today↕ ♣ is a license agreement with Wayn☆<"e State and an asset Ω<♦™acquisition with TRImaran.“We ≤↓are excited to expand our pipeline ¥<and are looking forward to develε₽oping TNX-1600 as a potential treatment ¥™×↑for PTSD,” said Seth L₩εederman, M.D., Tonix's President and Chief Ex♣₽ecutive Officer. “We plan to utili÷∑₩ze our clinical expe→₽÷rience in PTSD to evaluate the therapeutic bene↓☆fit of TNX-1600. PTSD is a heteroge¶neous condition, so we believe differe¶≠βnt PTSD patients may respond to diffe>"✔rent medicines. In some cases, more than o≤♠∞ne drug will be required for eΩ&₹₹ffective treatment. TNX☆↔-1600 is our third drug candidate in±¥Ω development for PTSD. Our most advanced c>¥>andidate is TNX-102 SL, whichγ&★ is in Phase 3 development. WeαΩ←¶ are also developing TNX-601 whi®∏ch is entering a Phase 1 trial immineεntly. TNX-1600 is in the p✔∑re-IND phase of develλ←opment with encouraging data from animal &models of PTSD.”Frank Bymas✘ ter, Chief Scientific Officer and co-founder oΩ©f TRImaran Pharma In₽₽$c. said, “TNX-1600 is a novel TRI ÷€that inhibits simultaneously the reuptake ∑of three key neurotransmitteπ×rs: serotonin, norepinephrine and dopamine. Ea♥®δch of these three neurotransmitters play¥★ s a key modulatory role in many CNS processes.£$•δ Inhibiting reuptake of all three may provi÷ ∞★de an effective treatment for♠γ PTSD.”According to Dr. Aloke Dut♦>©λta, “We have developed an innovative triple reupt✔♦ake inhibitor, D-578, bas∑♥∏★ed on a unique pyran molec"☆ ular scaffold to addre€♣♥ss the current therapeutic needs for PT'λSD and other neurological disorders♣₽. Based on our preliminary dat•™'αa, we expect a pharmacological synergy from ≠→their potent modulatory♥&© effect on the level of monoamine neurotranπ ★÷smitters in the brain which should faciliπ¥tate effective treatment of thes εΩλe disorders.”Under the t↔β©erms of the agreement, Tonix ha®π✘s been granted an exΩ'₹¶clusive license from ᱧ Wayne State University for techno÷&logy and patents related to TN↑&βX-1600 and other pyran-based compounds. Anδ↑other member of the class, D-♦₩473, has also shown effects in a ro₩&±&dent model of depression.th♥ γ≠e 2019 Asia-pacific P↑☆•harmaceutical IP Leader Su©®mmit will be held in•✘$♠ Beijing on November 14-15, and willγΩ attract more than 500 industry experts fro$★×σm domestic and foreign pharmaceut×γical companies, biotechnology compan•✘≥ies, governments, associations, law firm↕σ÷s, intellectual proper✘ty agents and other companies to at ®tend. 2019 Asia-pacβ₩ific Pharmaceutical IP Lead♣εγer Summit Official registratio®βn and consultation channel¥∑↑≈s:Contact：AnnPhone: 021-6565↑←Ω0305Email：Marketing@zenseegroup.comεγhttp://en.zenseegroup.com/p/510934/ -
0821
Moderna Receives FDA Fast Track €✔₹Designation for Zika™λ Vaccine mRNA-1893
Moderna, Inc., a clinical stage biotechnolσ≈βγogy company pioneering messenger RNA (mRNA) th≥αerapeutics and vaccines to create a new genera♠δ≈tion of transformative medicines f✘♥→ or patients, today announced that the U.S. Food ™δ≈₩and Drug Administration (FDA)€±≈ has granted Fast Track designation for i←βεts investigational Zika vaccin≥✘≤e (mRNA-1893) currently being★↔∑ evaluated in a Phase 1 study f§§•or the prevention of Zika virus infection αδ in healthy adults.Fast Track π is designed to facilitate the d∏¶λαevelopment and expedite the review ×βof therapies and vaccines for serious con₩→Ωditions and fill an unmet medical need. Prog♠≤ ¶rams with Fast Track designati↓ε≤on may benefit from ea∏•€rly and frequent communication with the <™FDA, in addition to a ₽←rolling submission of the •α×marketing application. Moderna previously receiveπ'd Fast Track designation for its methylmalonic≥← acidemia (MMA) prog<ram (mRNA-3704), which is now recruiting patient→♠s for a Phase 1/2 clinical study.“P₩&rotecting against Zika virus transmis≈δδsion, particularly in women duri$∏♥ng pregnancy, continues to be an area o↓←f high unmet need. Fast Track designationα supports our belief in the clinical po₩'★©tential of mRNA-1893 and the importance of d<€eveloping an effective vaccine that c↔±"♦an be rapidly developed and deployed,∑§↑” said Tal Zaks, M.D., ♥₽Ph.D., chief medical off εicer at Moderna. “Our Zika program i $→s part of Moderna’s broader commitment t≠÷₩o improving global public health through develop₹&γing mRNA vaccines to prevent the spread of infe <ctious diseases.”mRNA-1893 contains an ±mRNA sequence encoding for the struc≤÷±tural proteins of Zika virus and is desγ←φigned to cause cells to secrete virus-like ×¥π₹particles, mimicking the respon♠¶se of the cell after natuδ ral infection. Preclinicalσ™• data published in The Journal of Infec ↕δtious Diseases have sh•σown that vaccination with mRNA-1893 prote¥λ™ cted against transmission of Zika virus dur♥±↑ing pregnancy in mice.1 mRNA¥¥∞-1893 is currently in a Phase 1 study evalu §ating safety, pharmacokinetics and pharmacodyna₽ ≠mics in healthy volunteers.This proδ∏α•ject has been funded in wh ≈ole or in part with Federal funds from the De→<partment of Health and Human ServΩαices (HHS); Office of the Assistant Ω★☆Secretary for Preparedness an€♦d Response; Biomedical Advanced Research and Deveλ"☆∏lopment Authority (BARDA), under Contr<↕₹βact No. HHSO100201600029C.from--P→®harma Focus AsiaIn recent years, €§ the size of the global pharmaceutical mark'★et has maintained a steady growth, with China,↑←φ± South Korea, India and other e ∏merging markets presenting a rapi♠↑♦d growth momentum. Due t₹÷♥o the different intell πectual property policies✔•λ of different countries, the strategic¶>γ& layout of global intel&lectual property, the differenΩ<ces of pharmaceutical intellectual prope∑α¶rty policies of Asia-pacific countries, the paα←☆tent review process, litigation procedures ₹παand Generic drug patent strategy have ₩♦gradually become the hot spots of the pharmaceuti✘★♦cal intellectual property ®÷industry. In this context, the 201₽ ™λ9 Asia-pacific Pharmaceutic&★al IP Leader Summit will be held in Beijing on© ¶ November 14-15, and will attract more≈↓ than 500 industry experts from do✔✔mestic and foreign ph'↕π¶armaceutical companies, biotechnology co∏§mpanies, governments, associ§¶↔★ations, law firms, intellectua ≠®l property agents and>↑γ other companies to attend.2019β÷♥≈ Asia-pacific pharma IP Leader Summit Offic¶ αial registration and consultation chaΩ δnnels:Contact：AnnPhone: 021-65♠&×650305Email：Marketing@zenseegroup.com -
0820
Innovation and imitation₹δ<,opportunity and chal"λlenge
Asia-Pacific Pharma IP Leader su¶λmmit2019---14th-15th&÷ NOV, Beijing CHINAOn March 19, 2019, the W¥£αorld Intellectual Property Organization £β(WIPO) published its global intellectual proper§¶ty report 2018.Asian innovators filed more th∑π§an half of their international patent applicati≥$"ons through WIPO for the first ti λ§me in 2018, with significanק₹t growth in China, India and South K∏™orea, the report noted. As a te←♣chnology-intensive industry, pharmaceuti✔≠cal industry attaches great importance to patent ×application and intellectual property prote∑∞ ↔ction.In recent years, the s<≠✘♠ize of the global phar÷§maceutical market has maintained a steady ↕♦×growth, with China, South Korea,αΩ♥ India and other emerging" ÷☆ markets presenting a rapid growth momentum.←∏φ Due to the different in$¥tellectual property policies of different cou<←>₽ntries, the strategic layout o£↑ f global intellectual property, the differences o>φf pharmaceutical intellectual p®Ω♥ roperty policies of Asia-pacific ↔countries, the patent review process, litigat♠$ ion procedures and Generic drug patent s'♥trategy have gradually become the hot♠ε← spots of the pharmaceutical intelleσασctual property industry.In this cont♦☆ext, the 2019 Asia-pacific Pharmaceutical I÷₹P Leader Summit will be held in Beijin&$g on November 14-15, and will π∑>attract more than 500 industry eΩ"xperts from domestic and foreign pharmac™δeutical companies, biotechnolo₽€gy companies, governments, association×₽s, law firms, intellectual p♠₹roperty agents and other compani↕↕£es to attend.Agenda Framework♠∏ π:Section 1：Interpretation of Policy: Development ₩¶♣♣of Pharmaceutical IP under the New σπ<Legislative Landscape Section 2：Pharmaceutic♥al R&D Innovation and IP Protection ✔♠∑-- Global VisionSection 3：Case Sharing&&•→ of Pharmaceutical Patent Invalidity, Inf≠••ringement, LitigationSec₽≠ tion 4：Opportunities and×π∏ challenges for generic₹↕÷s companies under the new situation ↓♥HOTSPOT:ü Medica♣ £l Policy Interpretation u§λ€nder the Background of Patent Law Amendment¥↑ü The innovation of Judicial Mechanism λ∞λ÷Promotes the Development of Pharmace≈×♦utical Intellectual Propertyü →€ Intellectual Property Management Experie↑α≈®nce in Multinational Pharmaceutical "Companies, Patent Layout Stra&α®&tegy, Litigation Strategyü&n♠≥♦↕bsp; he Data Protection •±Regulations of Drug Test—New Eraü ≈Trade Secrets and Patent Layout in the Medicaεσl Fieldü Establi¶∏φshing The Internal Intellectual Pro≤←perty System under The New Legisla↑∞↔tive Landscapeü Opportuniαγ¶ties and Challenges of<δ¥ Pharmaceutical Enterprises under P₽₩atent Term Compensation System--- Global >• Vision and Its Implications for Chinaüφ↕☆₽ Latest Changes in E©↔πuropean Patent Application and Revie&ε>∑w Proceduresü Ana↕≠>↕lysis of Hot Cases of Recent Patent Invalidaδ©tionü The Procedure of American Pharmaceu↔ ←tical Patent litigation and its↕→ Enlightenment to ChγΩΩ♠inese Pharmaceutical E♥ ₩nterprises ü Applicati£©¥on techniques and protection s←&<→trategies for European an$↑d American biomedical patentsü&n∏♠≈bsp; Changes in standards for creative review of ±∞patentsü European, Amerσ↑ican and Japanese Medi©∞cal Patent Examination Cases and its imp lications for DomesticPha ↕×↕rmaceutical Companiesü Recent Ho↑±∞t Patent Infringement Case↕♣<s Analysisü The Strategy of Indian ∑ σGeneric Drug Companies in R&D and Pre-P≥"Aü How to avoid the Patent Trγ≤→ap in Generic Drug Developmentü ±®The Strategy of Generic Drασ≥₩ug Companies to Enter the European and Ameri↔γcan Marketsü Patentabi∑☆$lity in Europe, the Uα♦≠nited States and Chinaü Pα→♠atent litigation in Europeü Doubts arou&π≠λnd the Unified Patent Court (UPC$✔) agreement and Brexitü Second medical u₩↔se patentsComposition o↓♠f participants： Summit×ε¥ highlights：10+ Hot topic20+ &↑σ♥nbsp; Authoritative ∏®speech5 0+ Industry media4 0+ BIC110+pharma &nbs↓♠p; company 500+專業(yè)參會(huì)嘉賓 &¶÷>nbsp; &₹≥∏πnbsp; ×♥; Profe±± ×ssional participantsOffε↓icial registration and consu↕ltation channels:Cont₽×≈act：AnnPhone: 021-65650305Email：Mε&arketing@zenseegroup.comhttp://λ♥σΩen.zenseegroup.com/p/510934/ -
0819
Invitation Letter of Asia-Pacific Pha∏rmaceutical Intellectual Property L₩≈↓eader Summit 2019
According to the relevant institutions forec±'≠ast that China's drug maσδ♥rket will grow by 30% to $170 billion by 2021, bσ"ig pharma certainly won't waste time or o÷$÷pportunity.Such as Takeda Pharmaceutical, a Japa∏γnese drugmaker known for its diabε★∑"etes treatment Actosγ₩•↑, plans to launch seven prod★¥αucts in China in the next five y♣∏£ears, more than anywhere else.As ™♠<a technology-intensive industr₽β¶αy, pharmaceutical industry attaches great impασortance to patent application and intellect• φ↑ual property protection.Along wi♣∞♥th the gradual awakening of the consciousne₹↑§ss of intellectual prope$±×rty rights in the asia-÷☆♥÷pacific region, especially the co↓∑↑mmercial value of value of intell♣ ₽ectual property and to σ"↔establish and perfect relevant law, make an appli£>✘cation for a patent for the pa∞↕♦st few years in the asia-pacifi₹↓δβc region to become the world¶♣✔'s fastest-growing region, especially in the biol€♠ogical medicine industry, the naγ>φtional pharmaceutical intellectualε™≈ property policy diffe©™☆<rentiation, patent review process, proceedings an ← d generic drug patent strateαφ↔gy is becoming a hot spot in the Asia Pπ↔acific pharmaceutical enterprises β♠increasingly concerned and to the highest pointπ↑ of the innovation strat÷←≥egy.In this context, 2019 Asia-Pacificε>< Pharmaceutical IP Leader Summit will be held₩'γ in Beijing on November 14th-15th , and w♦>ill attract more than 400 σindustry experts from domestic and foreign pharma&>¶ceutical companies, biotσ echnology companies, governme¥§→nts, associations, law firms, intellectual'× property agents and other companies to attend'♣¥.It is my greatest ple♦ ε™asure, on behalf of the Organizing Committe♥© e, to welcome You to attend the ∏Asia-Pacific Pharmaceuticalσ → Intellectual Properγ∏®£ty Leader Summit 2019 (APIS2019), held on Noε v. 14th -15th 2019&n☆©bsp; in Beijing，China.For×↕×★ more information, please contact♣♥ info@zenseegroup.com or 021-65650305.we≈ πbsite:http://en.zenseegroup.com/p/510934/ -
0112
輔助還(hái)是(shì)代替，保險+人(r₩®én)工(gōng)智能(néng)展望
你(nǐ)有(yǒu)沒有(yǒu)想過，某天你(nǐ)所↔α★♦在的(de)行(xíng)業(yè)将被機(jī)器(qì)替代，或許有(y€≠"↕ǒu)一(yī)天人(rén)工(gōng)智能(néng)将¶©≤取代某些(xiē)行(xíng)業(yè)。作(zuò)為(wèi)™↕✔專業(yè)性較強的(de)保險行(xíng)業(yè)與人(rén♦₹€)工(gōng)智能(néng)結合，将會(huì)發生(shēng)什(shπ✔εσén)麽化(huà)學反應？未來(lái)↑ δ保險行(xíng)業(yè)是(shì)否會(huì)被人(£α←&rén)工(gōng)智能(néng)替代呢(n±¥•e)？複旦大(dà)學中國(guó)保險科(kē)技(βε♥jì)實驗室發布《人(rén)工(gōng)智能(néng)保險行(xíng)業(¥®αyè)運用(yòng)路(lù)線圖》，人(rén)工(gōng)智能♣ ≥→(néng)保險行(xíng)業(yè)發展的(de)時€¶≥Ω(shí)間(jiān)軸可(kě)劃分(fēn)為(wèi)三個(gè)階段：20↔ε06年(nián)起，我國(guó)保險業(yè)開(kāi)始進入電(diàn)子(zǐ)化(h÷₽uà)時(shí)代（2006－2015），随之是(shì)自(♥≠≤ zì)動化(huà)時(shí)代（2015－2Ω€✘018），直到(dào)2018年(nián)σ開(kāi)始進入智能(néng)化(huà)時(shí)代（"₹Ω2018及以後）。智能(néng)化(huà)時(shí)代又(yòu)需要(yà•↓o)跨過弱智能(néng)（2018－2020）和(hé)中智∏® γ能(néng)（2020-2030）兩個(gè)階α∑α段，*終達到(dào)強智能(néng)時(shí)代（2030及以€≠&後）。人(rén)工(gōng)智能(n βéng)的(de)運用(yòng)，将對(duì)保險業(yè)有(yǒu)哪些(₹₹xiē)影(yǐng)響：其一(yī)，人(rén)工(gōng)智'∑能(néng)對(duì)保險客戶服務的(de)影(yǐng)響。從(cóng)πφ™£用(yòng)戶接受服務的(de)角度來(lái)說(shuō)，保險行↔←α₽(xíng)業(yè)的(de)服務流程主要(yào)包括産品設計 ∏★σ(jì)、銷售、承保、投保、理(lǐ)賠、售後服務等；從(cóng)保險公司持續健∞α©★康發展的(de)角度來(lái)說(shuō)，必然離(lí)不™β(bù)開(kāi)精算(suàn)、風(fēng)險控制(zhì)、保險資金(jīn)♦λ運用(yòng)等工(gōng)作(zuò)環節β✘↓。在這(zhè)些(xiē)服務流程和(hé)工(gōng)作(zuò)★₽¥₽環節中，人(rén)工(gōng)智能(néng)正逐漸找到(dào)自♣"π(zì)己的(de)位置并産生(shēng)了(le)不(bù)可(÷•&kě)忽視(shì)的(de)影(yǐng)響。 其二，人(rén)工(gōng)智能(néng)✘₽÷ 對(duì)保險核心業(yè)務的(de)影(yǐng)響Ω¥。人(rén)工(gōng)智能(néng)對(duì)壽險、非壽險及再保險業(y§≥è)務也(yě)具有(yǒu)不(bù)同的(de)影(yǐng)響。借助基因檢δ測，可(kě)穿戴智能(néng)設備等技(jì)術(shù)和(hé)手段，搜集被保險人(rén£↔)全方面健康數(shù)據，并将收集來(lái)的(de)信₹¶ 息與人(rén)們生(shēng)會(huì)變化(huà)規律相(xiàng)結合，推算(s∏≥uàn)出被保險人(rén)的(de)身(shēn)體(tǐ)健康狀況和(h↑♣é)生(shēng)命周期特征，從(có©δng)而有(yǒu)利于調整考驗産品結構、對(duì)被保險人(rén)健康≠'狀況進行(xíng)主動有(yǒu)效的(de)管理(lǐ)，讓壽險産品的(de)融資功能♦σ(néng)和(hé)保障功能(néng)實現(xiàn)有(yǒu)機 ₩(jī)融合；在非壽險領域，人(rén)工(gōng)智能(néng)主要(yàoΩ←)改變了(le)原來(lái)的(de)風(π©"fēng)險管理(lǐ)和(hé)風(fēng≥δ)險識别的(de)手段，拓展了(le)保險覆蓋範圍¶≤，也(yě)催生(shēng)了(le)大(dà)量基于各類場(chǎng&•&₹)景的(de)業(yè)務形态的(de)出現(xiàn)；對(duì)于再保險公司來(lái)←≈±₹說(shuō)，人(rén)工(gōng)智能(néng)在σ®•身(shēn)份識别管理(lǐ)、自(zì)動化(huà)保險理(lǐ)賠及反欺詐等領域<✔的(de)優勢，将增強再保險公司的(de)風(fēng)險分(fē♦↕≈n)析和(hé)索賠管理(lǐ)能(né$↔•σng)力，從(cóng)而降低(dī)再保業(yè)務的(₽ αde)審定難度，提高(gāo)保險公司和(hé)再保險公司的(de)溝通(tōng)效β≠"£率，未來(lái)還(hái)可(kě)能(néng)依托區(qū)塊鏈、大(dà×₽₽∑)數(shù)據和(hé)人(rén)工(gōng)智能(né✘≈αng)技(jì)術(shù)打造再保險交易平台，将對•€✔(duì)傳統再保險市(shì)場(chǎng)形成不(bù)可(kě)忽視(shì)的(deσ∑)替代作(zuò)用(yòng)。 其三，₩★♣®人(rén)工(gōng)智能(néng)對(duì)保險從(cóng)業(y₹è)人(rén)員(yuán)的(de)影(yǐng)響。人(r♥én)工(gōng)智能(néng)正逐步≥γ滲透到(dào)保險業(yè)的(de)方方面面，保險公司在享受人(rén)π•↑工(gōng)智能(néng)帶來(lái★>λ)的(de)效率提升的(de)同時(shí)，世界®§各地(dì)的(de)保險從(cóng)業(yè)者也(yě)将面對(duì)<≤→ 人(rén)工(gōng)智能(néng)可(kě)能(néng)對(duì)就(jiù)業 €σ(yè)帶來(lái)的(de)沖擊。人(rén)工(gōng)智能¥σ€₹(néng)時(shí)代已經到(dào)來(lái)，下(xià)一(↑↑ yī)步有(yǒu)可(kě)能(néng)是(shì)人(rén☆)工(gōng)智能(néng)爆發式發展的(de)時(shí)期。保險行(xíng≈••)業(yè)應具體(tǐ)重哪些(xiē)層面運用(yòng)。從(cóng)應用(yòng)場($chǎng)景來(lái)講，大(dà)緻可(kě)以分(fēn)為(w™>èi)三個(gè)層面：第一(yī)，直接面向*終的(de)保險客戶。保險客戶有(y←☆¥ǒu)一(yī)個(gè)說(shuō)法，叫做<'(zuò)保險客戶的(de)客戶關鍵旅程，他(tā)在跟保險公司交互的(de)客戶↑β÷關鍵旅程，無外(wài)乎是(shì)從(cóng)一(yī)開(kā$π i)始的(de)獲取保險産品相(xiàng)關信息，到(dào)咨詢、投保，接下§α(xià)來(lái)可(kě)能(néng)就≤ε<(jiù)會(huì)有(yǒu)核保，核保之後，生(shēng)效之£±÷✘後如(rú)果有(yǒu)意外(wài)發生(shēng≤Ω§)，會(huì)有(yǒu)理(lǐ)賠，會(huì)有(yǒu)增值服務等等。在這(↔∞©∞zhè)樣客戶關鍵旅程裡(lǐ)面，我舉了(le)一(yī)些(x←★♥iē)*典型的(de)人(rén)工(gōng)智能(néng)應用(yòng)，可±≥←"(kě)以看(kàn)到(dào)其實到(dào)現(xiàn)在為(wèi)止應該說(shuα→¥&ō)保險公司在這(zhè)些(xiē)領域都(dōu)已經有(yǒu)人> ∑(rén)工(gōng)智能(néng)産品已經上(sπ♠®★hàng)線在應用(yòng)了(le)。這(zhè)其中的(de)運用(yòng)包含δ←←智能(néng)投保顧問(wèn)，統一(yī)身•™(shēn)份認證，人(rén)臉識别，聲聞識别，圖象識别，智能(nén∑♦g)核保，智能(néng)定損，智能(néng)理(lǐ)賠等。第二，基于供應鏈的(de)人(r βén)工(gōng)智能(néng)應用(yòng)。保險的(de)産品在人(ré≤±n)工(gōng)智能(néng)時(shí)代也(yě)面臨著(zhe)升級，∏>人(rén)工(gōng)智能(néng)能(néng)對(☆¥duì)他(tā)的(de)推動使得(de)這σ↕(zhè)個(gè)産品能(néng)夠做(zuò)更加多(duō)的(™•de)個(gè)性化(huà)的(de)定制(zhì)。另外(wài•✔♦)在風(fēng)控領域其實人(rén)工(gōng)智能(néng)應用(yòng)也(yě) 非常多(duō)，這(zhè)個(gè)裡'ε(lǐ)面包含了(le)通(tōng)過對(duì)大(dà)量的(de)™¥•客戶理(lǐ)賠案例的(de)客戶畫(huà)像建立，通(tōng)過各♥©種模型跟因子(zǐ)的(de)建立，*後能(néng)夠建立起風(fēng)控模型，及時₹ (shí)辨識出來(lái)一(yī)些(xiē)有(yǒu)風(fēng)險的(de)理( •★lǐ)賠客戶，及時(shí)的(de)預警，防止在理(lǐ)賠方↔♠ 面的(de)一(yī)個(gè)更大(dà)損失。具體(tǐ)應用(yòng)體(tǐ)→∑現(xiàn)在，智能(néng)投研，智能(↓'©néng)投顧。第三，智能(néng)招聘'∏。保險業(yè)都(dōu)有(yǒu)開(kāi)門(mén)紅(hóng)，每年(γ☆nián)的(de)開(kāi)門(mén)紅(hóng)都(dōu)£✔←是(shì)會(huì)帶來(lái)巨量的(de)保費(fèi)收入，在巨量保費(fδ"®èi)收入的(de)背後，每一(yī)年(niá≥®↑n)第四個(gè)季度大(dà)家(jiā)都(dō ∞u)在忙著(zhe)做(zuò)營銷員(yuán)的(de)招聘，衆所周知(zhī)，營銷員(yu"×án)的(de)流失率非常高(gāo)，招聘的(de)數(shù)量真§ε₹的(de)是(shì)海(hǎi)量，人(rén)工(gōng)智能(néngε↕→)的(de)運用(yòng)将大(dà)大(dà✘♣≤)的(de)縮減相(xiàng)關時(shí)間(jiān)，人(rén)力，資源成本。人£Ω∞¶(rén)工(gōng)智能(néng)在保險業(yè)的(de)♠÷Ω運用(yòng)尚屬于發展初期，面臨著(zhe)衆多(d∑γλuō)挑戰。第一(yī)，政策監管障礙。衆多(duō)保險公司、科φ☆(kē)技(jì)公司都(dōu)在涉足人(rén)工(gσ£₽ōng)智能(néng)保險相(xiàng)關領域，但(dàn)整個(gè)行(x♠★♣íng)業(yè)沒有(yǒu)統一(yī)的(d€βe)标準。監管層面上(shàng)，目前暫時(shí)沒有(yǒu)對(duì)人δ (rén)工(gōng)智能(néng)在保險行(xíng)業(yè)的(de)運用(yòn≈γ g)制(zhì)定明(míng)确的(de)監管法規，監管£Ω 的(de)空(kōng)白(bái)使得(de)人(rén)工(gōng)智能(néng)保險行α₩><(xíng)業(yè)的(de)運作(zuò)秩序§&得(de)不(bù)到(dào)保障。 第二，數(shù)據障礙。π≈↓♦目前保險行(xíng)業(yè)的(de)數(shù)據♣σ✔庫缺乏廣度和(hé)深度，曆史數(shù)據在質量和(hé)數(shù)量上(sh §àng)遠(yuǎn)遠(yuǎn)達不(bù)到(dào)大(dà∏₽≤)規模運用(yòng)人(rén)工(gōng)智能(néng)的(de)程度，數(shùΩ¶)據孤島現(xiàn)象嚴重，産品銷售端π和(hé)服務端往往無法獲取，影(yǐng)響人(rén≤÷)工(gōng)智能(néng)質量。 第三，市(shì)場(chǎng)障礙。首先，人(rε"∞&én)工(gōng)智能(néng)将會(h>♦uì)對(duì)保險代理(lǐ)人(rén)群體(tǐ)産生(¥ shēng)沖擊，這(zhè)個(gè)群體(tǐ)十分(fēn)龐大(dà)，利益相 ∞←(xiàng)關者短(duǎn)期可(kě)能(néng)會(huì)阻礙人→•₹♥(rén)工(gōng)智能(néng)與保險的(de)結合；此外(wài)，∑β÷傳統保險公司的(de)經營理(lǐ)念桎梏是(shì)₩σ一(yī)個(gè)潛在問(wèn)題，我國(guó)保©♠±險行(xíng)業(yè)本身(shēn)潛在市(shì)場(chǎ≠φng)還(hái)很(hěn)大(dà)，大(dà)衆接受正常的(de)保臉産σεπ品尚且不(bù)易，接受人(rén)工(gōng)智能(néng)保險産品α★↑則更難。*後，人(rén)工(gōng)智能(néng)技(jì)術(sh©★≤ù)的(de)應用(yòng)深度不(bù)夠，除了(le)特定領域，∏γε比如(rú)語音(yīn)識别、人(rén)臉識别等方面，其他(tā)領域運用(y₽≤♣¶òng)并不(bù)廣泛，隻有(yǒu)全行(xíng)業(yè)廣泛應用(™↑yòng)的(de)風(fēng)潮到(dào)γ™來(lái)，保險行(xíng)業(yè)才會(huì)迎來(lái)質的(de)發展。☆✘≥ 第四，研發或技(jì)術(shù)障礙。人(rén)工(gōng)智能(néng)目前處于發展ε∞↕階段，技(jì)術(shù)研發成本高(gā<☆♥↕o)，研發期長(cháng)，雖然目前人(rén)工(gōng)智能(néng)在感知(zhī✔®)智能(néng)層面越來(lái)越成熟，但(dàn)是(shì)與真正運用(yòng)到λφ₽(dào)實業(yè)，和(hé)保險深入契合λ♦®，還(hái)存在一(yī)段距離(lí)。同時(sh♣'λí)保險是(shì)一(yī)個(gè)多(duō)學↕ σ科(kē)知(zhī)識結合的(de)學科(kē)，需要(y✔σào)全方位的(de)知(zhī)識，面目前人(rén)工(gōng)智能(néng)隻能(∏ néng)支持單方面的(de)智能(néng)， Ω<還(hái)難以做(zuò)到(dào)和(hé)人(rén)類一(yī)樣多(duō)方向思考≠'≠。 第五，信息安全問(wèn)題。人(rén)工(gōng)智能←ε±(néng)保險運用(yòng)中需要(yào)考慮投保人(rén<♠™)的(de)信息隐私保護問(wèn)題和(hé)安全問(wèn)題，即保險公司獲取 ✘投保人(rén)某方面的(de)信息是(sα≈♣♥hì)否合法合理(lǐ)，是(shì)否存在洩露的(d↑>e)風(fēng)險。目前，保險公司在建設安全壁壘、保護好(hǎo)客戶和(hé)保險公司的λ♠(de)數(shù)據信安全方面存在不(bù)ε≈ 足。人(rén)工(gōng)智能(néng)的(de)發展，對(duì)于保險業(yγ₽±è)來(lái)說(shuō)是(shì)挑戰也(yě)是(s§↓™hì)機(jī)遇，雖然目前仍然處于初步應用(yòng)，但(dà<¥π n)未來(lái)發展可(kě)期。2019中國(gu≥© ★ó)互聯網保險創新峰會(huì)（CIIS20β∑₽↔19）将在4.11-12為(wèi)您帶來(α♠←&lái)保險+人(rén)工(gōng)智能(>"néng)的(de)運用(yòng)及暢想。
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