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0822
Tonix Pharmaceuticals Expands Preclin→'ical Pipeline with Triple®> Reuptake Inhibitor, TNX-1600, ≥₹for the Treatment of PTSD
Tonix Pharmaceuticals Hol÷®ding Corp., a clinical-stage biophar÷♣maceutical company, annou₽±nced today an exclusive a∞∑greement to in-license a triple reupta '§βke inhibitor (TRI), TNX-1600 (former↔÷↑ly D-578), to treat posttraumatε₽≥'ic stress disorder (PTSD) and potentially≈ δ other central nervous system→₹ (CNS) disorders. The co<δ♠mpound was developed and pharmacologically chσ→∏aracterized by Aloke Du>≥☆tta, Ph.D., professor of Pharmace✔σ∏£utical Sciences at Wayne State Universitγ¥y, with funding from a National In"¥Ω↓stitutes of Health grant (grant number MH084888),ε∑✘ and the patents covering the compound≥π✘&s were licensed to TRIma₩α↔♣ran Pharma, Inc. (TRImaran). The tran✔±±<saction announced to↑₽day is a license agreement with W±÷ayne State and an asset acquisition with T§★♣RImaran.“We are exci♦€<αted to expand our pipeline and €↑ are looking forward to developing TNX-1600 ≠∏♦ as a potential treatment for PTSD,” sδ™ aid Seth Lederman, M.D., Tonix©γ×'s President and Chief Executive Of✔λficer. “We plan to utilize our ∞♠✘®clinical experience in PTSD to e↓★×valuate the therapeutic benefit of TNX-1600. PTS→ ♣✔D is a heterogeneous condition, so we belie∑≠≈φve different PTSD patients may respond to d≈ ifferent medicines. In some§$"Ω cases, more than one drug will ☆↓©®be required for effectiv® e treatment. TNX-1600 is our third drug canβ÷≈didate in development for PTSD. Ou→§αr most advanced candidate is §ε×₩TNX-102 SL, which is in Phase 3 development. ©σWe are also developing TNX-601 which is ent★☆ering a Phase 1 trial imm< ↔inently. TNX-1600 is in the pre-IND ph₹₩↑ase of development with encouraging data from aniελmal models of PTSD.”Frank Bymaster, Chief S•≥•£cientific Officer and co-founder of ↕¶ TRImaran Pharma Inc. said, “TNX-1600 is a<& novel TRI that inhibits sim↔≠πultaneously the reuptake of÷± three key neurotransmitters: serotonin, norepin♠≈ephrine and dopamine. Each of these¥→'¥ three neurotransmitters plays ♣≥ a key modulatory role in many αΩ<CNS processes. Inhibiting reuptake of all three ₹₹®may provide an effective →♥treatment for PTSD.”According to Drδ∏↔. Aloke Dutta, “We hav>•₹e developed an innovative triple reuptake inh•↕ibitor, D-578, based on a unique pyran α♠molecular scaffold to address th₽←₩e current therapeutic needs for PTSD and other ne★∑urological disorders. Based on ÷βour preliminary data, we expect a pharm↔'★acological synergy from their potent mo÷λdulatory effect on the level of monoam≠•✔ine neurotransmitters in tβ≠♦→he brain which should facilitate effecti☆↔ve treatment of these disorder∞¶<s.”Under the terms of the agreement, To☆§×→nix has been grantedγ∞₽ an exclusive license from Wayne S♥✔™tate University for techno★ logy and patents related to TNX-1600 and othe$Ω<"r pyran-based compounds. Another member₽∞> of the class, D-473, has also shown effecε♥ts in a rodent model of depression.the 2>₽←019 Asia-pacific Pharmaceutical IP Leadeδ×r Summit will be held in ♣♠Beijing on November 14-15, and ™≤↑will attract more than 500 industry experts fromδ≥ domestic and foreign ₹♥pharmaceutical companies, biotechnolog•≤y companies, governments, associations, Ω♦law firms, intellectual pr ↕$operty agents and other companies to¶✔↔σ attend. 2019 Asia<✔±≤-pacific Pharmaceutical∏ ™ IP Leader Summit Official re<→'♥gistration and consultation channels≤<©♣:Contact：AnnPhone: 021-65☆σ$₽650305Email：Marketing@zenseegroup.↔₩comhttp://en.zenseegroup.com∏/p/510934/ -
0821
Moderna Receives FDA Fast Track Designation ε©for Zika Vaccine mRNA-↓α1893
Moderna, Inc., a clinical stage biotechno♠¶λlogy company pioneerΩ★≈αing messenger RNA (mRNA) therapeutics and v©↑×'accines to create a new generation of t¥≈↕πransformative medicines for patients, today anno σ•©unced that the U.S. Food and Drug Administrati•→♣on (FDA) has granted Fast Track designationβ ≠ for its investigational Zika vaccin₹ εe (mRNA-1893) currently being evaluated in a P™↑hase 1 study for the✘£♣ prevention of Zika & ←•virus infection in healthy adults.Fa>φ≥ st Track is designed to facilitate the developmen↓γt and expedite the review of therapies and v≈πaccines for serious conditions and fill an ∑↑unmet medical need. Progr↑"ams with Fast Track designation m" ♦ay benefit from early and frequent communiβ>cation with the FDA, in addition to a rolling ♥♣submission of the marketing apε∏★plication. Moderna previously received Fast Tr★•±ack designation for its methylma β lonic acidemia (MMA) program (∞mRNA-3704), which is now recruitin¶λg patients for a Phase 1/2 ♦∑×&clinical study.“Protecting against Zika vir₽σus transmission, particularly in women durin§✔∏₹g pregnancy, continues to be an area of hig∞α→h unmet need. Fast Track designation supports π&♥¥our belief in the clinical potential of mRNA-1893≥≠↓ and the importance of de≤↓☆veloping an effective vaccin✘₹e that can be rapidly deγ£ε'veloped and deployed,” said Tal Za★ε☆ks, M.D., Ph.D., chief medical officer at ¶₹ Moderna. “Our Zika progra÷↓λm is part of Moderna’s broader commitment¥•λ≤ to improving global public he÷≠∞↓alth through developing mRNA ✔♣±vaccines to prevent the spr✔≥↔δead of infectious diseases.”mRNA-189α÷§₽3 contains an mRNA sequence encoding for ∑ ←×the structural proteins ♦∑ of Zika virus and is de×£signed to cause cells α≈to secrete virus-like partic$∑λ les, mimicking the reεsponse of the cell aft ≤er natural infection. Preclinical data pub♦₽β<lished in The Journal of Infectious Disease €s have shown that vaccination with mRNA-1 ÷893 protected against tran∞ε↑™smission of Zika virus during pregnancy in mice.1&×¥ mRNA-1893 is currently in a Pha→☆★≤se 1 study evaluating safety, pharmacokinetics α∞and pharmacodynamics in healthy×↔γβ volunteers.This project has been f "unded in whole or in part w↔∏≈≤ith Federal funds from the D₹ε$epartment of Health and Human Services (HHS); Off£→λ♣ice of the Assistant Secretarσσ&y for Preparedness and Response; Biσ®®©omedical Advanced Research and Development Auth±₹εority (BARDA), under Contract N←$o. HHSO100201600029C.₩ €from--Pharma Focus AsiaIn re ₩α'cent years, the size δ ↕₽of the global pharmaceuticaδl market has maintained a steady growth, w₽ ↕ith China, South Korea, India and other emerging☆ markets presenting a rapid growth mo&÷mentum. Due to the different intellectual ♣∏≈₩property policies of different countr±₽<ies, the strategic l↓ α£ayout of global intellec$∑>tual property, the differences of pharmaceutical ↓↓intellectual property policies of Asia ™-pacific countries, the patent review proces÷φs, litigation procedures and Gσγφαeneric drug patent str♥₩ategy have gradually bec™ σome the hot spots of the pharmac↕★↑eutical intellectual property industry. ≥Ωγ♥;In this context, the 2019 Asi a-pacific Pharmaceutical IP Leader Summit will beσΩ♥ held in Beijing on November 14-15, <→÷and will attract more than 500 industry experts ∏✘from domestic and foreign pharmaceutical compan≠'£ies, biotechnology companies, governments£∑ , associations, law firms, intellec✘©γtual property agents and other companies t↕•o attend.2019 Asia-pacifi≠c pharma IP Leader Summit&n&£bsp;Official registrat↕δ₽ion and consultation channels:Contact：A₩≠ΩnnPhone: 021-65650305Email：Marketing→☆←€@zenseegroup.com -
0820
Innovation and imitation,opportunity and challeβφ₹₩nge
Asia-Pacific Pharma IP Leader summit2019 π©α---14th-15th NOV, Bei™≥jing CHINAOn March 19, 2019, the World Inte↑♥llectual Property Organization (WIPO) pub≠ lished its global intel∑✘lectual property report 2018.Asian innovators f<≠iled more than half of their inteβφrnational patent applications ♣ through WIPO for the first time in 2÷ε018, with significant growth in China, India ¥π'∑and South Korea, the report noted. As a technol≥ ↑ogy-intensive industry, pha &™rmaceutical industry attaches g$λ" reat importance to patent application ₩↕and intellectual property protec↔δtion.In recent years, the&≠↑ size of the global pharmaπ¥®ceutical market has maintained ∑≠ a steady growth, with Cσσhina, South Korea, India and other e↔α↑™merging markets presenting a₹¶→ rapid growth momentum. Due to the differen>↓ ®t intellectual property policies of different cou☆✘¶ntries, the strategic layout of global intellect↔₩≈ual property, the differences of pharmaceuticalφ intellectual property policies of Asia-pacific>¥ε countries, the patent review process, ♠®±litigation procedures and±¶¶ Generic drug patent strategy have gradually be™™come the hot spots of the pharmaceutica☆₩♦♦l intellectual propeγε÷rty industry.In this context, the 2019 Asia-pac¥™Ω±ific Pharmaceutical IP Leader Summit w¥¥Ω♥ill be held in Beijing on November 14-15, aδ ®nd will attract more than ↔€¶500 industry experts from domestic and & >¥foreign pharmaceutical companies, biotechnε•ology companies, governments, associati€§ons, law firms, intellectual $£ελproperty agents and other companies to atte™↕ λnd.Agenda Framework:Section 1：Interpretatio≈•n of Policy: Development of Pharmaceutical αα IP under the New Legislative Landscape Sectio∑≥n 2：Pharmaceutical R&D Innovation©λ and IP Protection -- Gl±"obal VisionSection 3：Case Sharing of Pharmaceuti≈$∞cal Patent Invalidity, Infringe&✔≤πment, LitigationSection 4：Opportunit&♦Ωies and challenges for generics companies under±®× the new situation HOTSPOT:ü&φ•β↕nbsp; Medical Policy Int÷πγφerpretation under the Background o★≠<¥f Patent Law Amendmentü The innovation♥β of Judicial Mechanism Promotes the Develo↑'σλpment of Pharmaceutical Intelσ→lectual Propertyü Intellectual Property<≤÷ Management Experience in Multi•✔✘national Pharmaceuticσ™≥al Companies, Patent L✘←ayout Strategy, Litigation Strategyü he Dε♦Ωata Protection Regulations of Drug T✔¥↕est—New Eraü Trade ®&™♥Secrets and Patent Layout in th↓↕e Medical Fieldü Establishing The©↓ Internal Intellectual Property System und≤≥er The New Legislative Landscapeü&nb☆₩∞&sp; Opportunities and Challenges of Pharmaceuti ≥→φcal Enterprises unde≥ r Patent Term Compensation System--- Global Viβ®sion and Its Implications for Cα£hinaü Latest Changes ♣→₹in European Patent Applα<ication and Review Proc↑δeduresü Analysis of Hot Cases of Rece©©nt Patent Invalidationü The Procedur₹σ↕¥e of American Pharmaceutical Patent litigatεγ±₩ion and its Enlightenmen&∑t to Chinese Pharmaceuti"≠§cal Enterprises ü&π✘♦✘nbsp; Application techniques and ←→protection strategie∞φs for European and American biomedical patentsü&n★←φbsp; Changes in standards for crea≠→tive review of patentsü European, American ↑•and Japanese Medical Patent Examinatio<πλn Cases and its implications for Dome÷&πsticPharmaceutical Companiesü&±↓§σnbsp; Recent Hot Patent Infringα¶ement Cases Analysisü The Strat"××&egy of Indian Generic Drug Companies in R&am↓ ★☆p;D and Pre-PAü How to≈™ avoid the Patent Trap in Generic Dru¥♣g Developmentü The Stra₽®tegy of Generic Drug Companies to Enter the Euro↕€pean and American Marketsü ♥£Patentability in Europe, the Unit✔₩∑ed States and Chinaü Patλαπσent litigation in Europeü Doubts around →•§the Unified Patent C•↓ourt (UPC) agreement and Brexitü Sec'$♣ ond medical use patentsComposition ®≤ ♣of participants： Summit highlights：10π↔→+ Hot topic20+ Authoritative speecΩ∑h5 0+ Industry media4 0+ α← BIC110+pharma company 500+專業(yè)參會(huì✔≥)嘉賓 &n"$bsp; &nbs≤∑±p; &nbsσ↔•∏p; Professional participantsOfficial registraΩσ≈≥tion and consultation channe€©ls:Contact：AnnPhone: 021-65650305Emai₹βl：Marketing@zenseegroup.comhttp://en.zense ©∏egroup.com/p/510934/ -
0819
Invitation Letter of Asia-Pacific Phar ¶"maceutical Intellectual Property Leaderδ≠ Summit 2019
According to the releva♦≈£nt institutions fore<βcast that China's drug mar¥™ket will grow by 30% to $170 billion by 2021,<↑γ© big pharma certainly won't waste time or opportu♣$★nity.Such as Takeda Pharmaceutical, a ÷♦∞Japanese drugmaker known for 'φits diabetes treatment Actos, plans to launch sev£αβen products in China in the next five♥ years, more than anywhere else.Ω< ←As a technology-intensive industry, ph<₩±armaceutical industry attaches grea♣'✘<t importance to patent application a÷₩nd intellectual property protection.Along with≈✔φ the gradual awakening of the conscious&≈π→ness of intellectual property rights in the<δ$ asia-pacific region, especiall♣$↕₽y the commercial value of value of intelle≤ctual property and to establish and perfect >§≈λrelevant law, make an application f£¶₹₹or a patent for the past few years in the asia-pa&✘↑cific region to become the world's fastest-gro>"wing region, especially↑≥± in the biological medicine industry,©™ the national pharmaceutical intellect£™€×ual property policy differentiation, pa♥₩tent review process, pr¶Ω&oceedings and generic drug patent strategy is be$λεcoming a hot spot in the Asia Pacific pharmac÷ eutical enterprises increasingly concernδ≤♣£ed and to the highest point of the innovation st<εrategy.In this context, 2019 Asia-Pacifi↔±c Pharmaceutical IP Leader Summit will be held in<↓♣β Beijing on November 14th-15th , and→∏★ will attract more than 400$₩ industry experts from dome±£stic and foreign pharmaceutical companies¶→, biotechnology companies, govern™™'ments, associations, law firms ↑¥, intellectual property agents and other co•πmpanies to attend.It is my ₩$✘₹greatest pleasure, on behalf of t®♣δ£he Organizing Committee, to welc✔$γome You to attend the Asia-Pacific Phar₽ ≠maceutical Intellectual Property Lead£ er Summit 2019 (APIS2019), held on Nov. §≥ 14th -15th 2019 in B✔÷♥eijing，China.For more informatiε•on, please contact info@zenseegroup.com or •₹β021-65650305.website:http://en.zenseegroup.com/¥€→☆p/510934/ -
0112
輔助還(hái)是(shì)代替，保險+人(rén)工(gōng)智能(néng)展望♥♠→
你(nǐ)有(yǒu)沒有(yǒu)想過，某天你>♣₽≥(nǐ)所在的(de)行(xíng)業(yè)将∏₽€€被機(jī)器(qì)替代，或許有(yǒu)一(yī)天人(rén)工(gō ₽®₩ng)智能(néng)将取代某些(xiē)¥£€行(xíng)業(yè)。作(zuò)為(wèi)專業(←ε×yè)性較強的(de)保險行(xíng)業(yè)與人(rén)工(gōng)智能(né'♦ng)結合，将會(huì)發生(shēng)什(shén)麽化(h↑₽γuà)學反應？未來(lái)保險行(xíng)業(yè)是(sφ∑♠hì)否會(huì)被人(rén)工(gōng)智能(néng)替代呢(ne)？複旦大(dà)學$←≥中國(guó)保險科(kē)技(jì)實驗室發布《人♥☆(rén)工(gōng)智能(néng)保險行(xín±δ±πg)業(yè)運用(yòng)路(lù)線圖》，人(rén)工(gōng)智能(nén¶≠¥¥g)保險行(xíng)業(yè)發展的(de)時(shí)間(jiān)軸可(kě)劃分(f φ↕βēn)為(wèi)三個(gè)階段：2006年(nián)起，我國(guó)保'₽險業(yè)開(kāi)始進入電(diàn) 子(zǐ)化(huà)時(shí)代（2006－2←±©'015），随之是(shì)自(zì)動化(huàΩ♦♥)時(shí)代（2015－2018），直到(dào)2018年(nián)開(kāi)始進入智'✔επ能(néng)化(huà)時(shí)代（2018及以後）。智能(néng₽€₹)化(huà)時(shí)代又(yòu)需要(yào)跨過弱智能(néng)（2♠€α018－2020）和(hé)中智能(néng)（20α<× 20-2030）兩個(gè)階段，*終達到(dào)強智能(néng)ε∞>時(shí)代（2030及以後）。人(rén)工(gōβ→ng)智能(néng)的(de)運用(yòng)，将對(duαδ↕§ì)保險業(yè)有(yǒu)哪些(xiē)影(yǐλ↓ng)響：其一(yī)，人(rén)工(gōng)智能(néng)對(duì)保險客戶服λ '≠務的(de)影(yǐng)響。從(cóng)用(yòng)戶接受服務的(de)角度來♠≤¶(lái)說(shuō)，保險行(xíng)業(yè)的(de)服務流程主要(yào)包括産品設δ×÷計(jì)、銷售、承保、投保、理(lǐ)賠、售δ¥後服務等；從(cóng)保險公司持續健康發展的(de)角度來(β>Ωσlái)說(shuō)，必然離(lí)不(bù)開∑& (kāi)精算(suàn)、風(fēng)險控制(zhì)、保險π₹資金(jīn)運用(yòng)等工(gōng)作(zuò)環節。在這(z∞≠∞≠hè)些(xiē)服務流程和(hé)工(gōng)作(zuò)環節中，人(rén)工(gōn© ✘•g)智能(néng)正逐漸找到(dào)↔©自(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(dβββe)影(yǐng)響。人(rén)工(gōng)智能(néng↓∞δ )對(duì)壽險、非壽險及再保險業(yè)務也(yě)具有(yǒu)不(bù)同的(de)★→Ω影(yǐng)響。借助基因檢測，可(kě)穿戴智能(néng)設備等技(jì)術(shù)和(h•±✘é)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★λ∞ 人(rén)們生(shēng)會(huì)變化(huà)¶ 規律相(xiàng)結合，推算(suàn)出被保險人('φλrén)的(de)身(shēn)體(tǐ)健康狀況和(hé)生(s÷→hēng)命周期特征，從(cóng)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(γ ↑xíng)主動有(yǒu)效的(de)管理(lǐ)，讓壽險産品的(de)融資功能(néng)←®↔和(hé)保障功能(néng)實現(xiàn)有(yǒu)機(jī)融合；在非壽險領域，人(r≠σén)工(gōng)智能(néng)主要(yào)改變了(le)原來(lái)的(de)風(f§↑ēng)險管理(lǐ)和(hé)風(fēng)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(dφ₹à)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(fēn)析和(hé§α¶)索賠管理(lǐ)能(néng)力，從(cóng)而降低(dī)再保業(yè)務的(de↓ )審定難度，提高(gāo)保險公司和(hé)再保險公司的(↕קde)溝通(tōng)效率，未來(lái)還(h'§ái)可(kě)能(néng)依托區(qū)塊鏈、大(dà)數(shù)據和(hé)人↑₽∞(rén)工(gōng)智能(néng)技(jì)術(shù)打造再保險交↓€易平台，将對(duì)傳統再保險市(shì)場(ch¥™♦₩ǎng)形成不(bù)可(kě)忽視(shì)的(de)替代作(zuò)用(yπλ òng)。 其三，人(rén)工(gōng)智能(néng)對(duì)∞✔'₽保險從(cóng)業(yè)人(rén)員(yuán)的(de)& 影(yǐng)響。人(rén)工(gōng)智能✔φ↓(néng)正逐步滲透到(dào)保險業(yè∏™)的(de)方方面面，保險公司在享受人(rén♣₽)工(gōng)智能(néng)帶來(lái)的(de)效率提升的(de£↕>≈)同時(shí)，世界各地(dì)的(de)保險從(c&★óng)業(yè)者也(yě)将面對(duì)人(ré©∞≠¶n)工(gōng)智能(néng)可(kě)能(néng)對(duì)就(j$<∞iù)業(yè)帶來(lái)的(de)沖擊。人(rén)工(gōng)智能(néng)§γ時(shí)代已經到(dào)來(lái)，下(xià)一(yī)步有( ↓¶'yǒu)可(kě)能(néng)是(shì)人(rén)工(gōng)智能&★(néng)爆發式發展的(de)時(shí)期。保險行(xíng)業(yè)應具體₹βε→(tǐ)重哪些(xiē)層面運用(yòng)。從(cóng)應用(yòng)場(chǎng♣∏✘)景來(lái)講，大(dà)緻可(kě©♥≈)以分(fēn)為(wèi)三個(gè)層面：第一(yī)，直接面向*終的(de)保₩♦§險客戶。保險客戶有(yǒu)一(yī)個(gè$♣∑)說(shuō)法，叫做(zuò)保險客戶的(de)客戶關鍵旅Ωφ↔程，他(tā)在跟保險公司交互的(de)客戶關鍵旅程，無外(wài↑ε)乎是(shì)從(cóng)一(yī)開(kāi)始的(de)α∞獲取保險産品相(xiàng)關信息，到(dào)咨詢、投保，接下€∞Ω(xià)來(lái)可(kě)能(néng)就(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)，會(huì)∏•'δ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(l±☆<$ǐ)面，我舉了(le)一(yī)些(xiē)*典型的(de)人(rén)>©工(gōng)智能(néng)應用(yòng)，可(kě)以看(kàn)到(dào)其實到(dàoπσ)現(xiàn)在為(wèi)止應該說(shuō)保險公司在這(zhè)些(xiē)領域都(dōu×≥ )已經有(yǒu)人(rén)工(gōng)智能(néng)産品已經上(shàng)線在應用(yò≤γng)了(le)。這(zhè)其中的(de)運用(yòng)包含智能(Ω•néng)投保顧問(wèn)，統一(yī)身(shēn♣¥)份認證，人(rén)臉識别，聲聞識别，圖象識别↔¶↑，智能(néng)核保，智能(néng)定損，智能(néng)理&π®(lǐ)賠等。第二，基于供應鏈的(de)人(rén)工(gōngφ♠)智能(néng)應用(yòng)。保險的(de)産品在人(rén)工(gōng)智ε•→$能(néng)時(shí)代也(yě)面臨著(zhe)升級，人(rén)工(gō ≠ng)智能(néng)能(néng)對(duì)他(tā)的(de)推動使得★Ω(de)這(zhè)個(gè)産品能(néng)"夠做(zuò)更加多(duō)的(de)個(σε§↔gè)性化(huà)的(de)定制(zhì)。另外(wài)Ω≤在風(fēng)控領域其實人(rén)工(gōng)智能(néngγ ✘∏)應用(yòng)也(yě)非常多(duō)，這(zhè)個₽'∑↑(gè)裡(lǐ)面包含了(le)通(tōng)過對(duì)大(dà)量的(d e)客戶理(lǐ)賠案例的(de)客戶畫(huà)像建立，通(tōng)≤γΩ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(d©σ∏÷e)理(lǐ)賠客戶，及時(shí)的(de)預£γ₹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(n≈×éng)投研，智能(néng)投顧。第三，≠♣™★智能(néng)招聘。保險業(yè)都(dōu)有(yǒu)開(kāi↓λ)門(mén)紅(hóng)，每年(niá"λ÷n)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(fèi)收入≥←的(de)背後，每一(yī)年(nián)第四個(gè)季度大(dà)家(jiā)都(dōu)¶¶ 在忙著(zhe)做(zuò)營銷員(yuán)的(d♠∏✔e)招聘，衆所周知(zhī)，營銷員(yuán)的(de)流失率非常高(gāo)，±≈招聘的(de)數(shù)量真的(de)是(shì)海(hǎi)量，人(rén)工(gōng★'¥≠)智能(néng)的(de)運用(yòng)将大(dà)大(dà)的(de)縮減相(£$xiàng)關時(shí)間(jiān)，人(rén)力，資源成本。§•₩♦人(rén)工(gōng)智能(néng)在保險業(yè)的(de)運≤'用(yòng)尚屬于發展初期，面臨著(zhe)衆多(duō)挑戰。第一(♣γ€yī)，政策監管障礙。衆多(duō)保險公司、科(kē)技(jì)公司都(dōu)在涉足人(φ÷rén)工(gōng)智能(néng)保險相(xiàng)關領域，但δ>✔(dàn)整個(gè)行(xíng)業(yè)沒有(€★σyǒu)統一(yī)的(de)标準。監管層→©Ω↕面上(shàng)，目前暫時(shí)沒有(yǒu)對(du±∞ì)人(rén)工(gōng)智能(néng)在保險行(xíng)業(yè×≤£)的(de)運用(yòng)制(zhì)定明(míng)确的(de)監管法規，監管的(de)空(&•γkōng)白(bái)使得(de)人(rén)工(gōng)智能(☆Ω✔néng)保險行(xíng)業(yè)的(de)運作(zuò)秩序得(de)不(bù)到(dào)π♥>保障。 第二，數(shù)據障礙。目前保險行(xíng)業(yè)的(de)數÷≠ (shù)據庫缺乏廣度和(hé)深度，曆史數(shù)據在質量和(hé)數(shù)量上(sh®"♦àng)遠(yuǎn)遠(yuǎn)達不(bù)到(dào)大(dà)規模運用(yòngΩ§)人(rén)工(gōng)智能(néng)的(de)程度，數(shù)據孤島現(xiàn)↕☆象嚴重，産品銷售端和(hé)服務端往往無法獲取，影(yǐng)響人(rén)工(gōng¶¶£)智能(néng)質量。 第三，市(shì)場(chǎng)障礙。首先，人(δ ✔♠rén)工(gōng)智能(néng)将會(huì)對(duì)保險代×≤♠γ理(lǐ)人(rén)群體(tǐ)産生(shēng)沖擊，這(zhè)個(gè)群體(tǐ)十分(™<fēn)龐大(dà)，利益相(xiàng)關者短(duǎn)期可(kě)能(néng)會(huì)®δ↓π阻礙人(rén)工(gōng)智能(néng)與保險的(de)結合；此外(wβ©≈™ài)，傳統保險公司的(de)經營理(lǐ)念桎梏是(shì↕≠)一(yī)個(gè)潛在問(wèn)題，我國(guó)保險行(x✔$íng)業(yè)本身(shēn)潛在市(shì) ®場(chǎng)還(hái)很(hěn)大(dà)，大(dà)衆接•ε☆₽受正常的(de)保臉産品尚且不(bù)易，接受人(rén)工(gōng)智能(néng)保險∞★産品則更難。*後，人(rén)工(gōng)智能(néng)技(jì)術(shù)的(de>₽α)應用(yòng)深度不(bù)夠，除了(le)特定領域，比如(rú)語音(yīn)識别δ≈、人(rén)臉識别等方面，其他(tā)領域運用(yòng)并不(bù)廣泛，隻有(y₩÷$ǒu)全行(xíng)業(yè)廣泛應用(yòng)的(de)風(fēng)潮到(dào✘•)來(lái)，保險行(xíng)業(yè)才會(huì)迎來(lái)質的(de)發展π↔&。 第四，研發或技(jì)術(shù)障礙。人(rén)工(gōng)智能(nΩ'éng)目前處于發展階段，技(jì)術(shù)研∑×發成本高(gāo)，研發期長(cháng)，雖然目前人(±>rén)工(gōng)智能(néng)在感知(zhī)智能(né&₽ng)層面越來(lái)越成熟，但(dàn)是(shì)與真正運用(yòng)到↔"≥(dào)實業(yè)，和(hé)保險深入契合，還(hái)存在一(yī)段距離(lí)。ק&<同時(shí)保險是(shì)一(yī)個(gè)多(duō)學科(kē)知(zhī>ε)識結合的(de)學科(kē)，需要(yà>•o)全方位的(de)知(zhī)識，面目前人(rén)工(gōng ←§σ)智能(néng)隻能(néng)支持單∑<方面的(de)智能(néng)，還(hái)難以做(®π₽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(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✔∏γ和(hé)安全問(wèn)題，即保險公司獲取投保人(rén)某方面的≥ ≤φ(de)信息是(shì)否合法合理(lǐ)，是(shì)否存在★≥★洩露的(de)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★≥β公司的(de)數(shù)據信安全方面存在不(bù)足。人(rén)工(gōng)智能(né₽≤"<ng)的(de)發展，對(duì)于保險業(yè)來(lái)說♦↑ε'(shuō)是(shì)挑戰也(yě)是(shì)機(jī)遇，雖然目前仍然® 處于初步應用(yòng)，但(dàn)未來(lái)↔₹π&發展可(kě)期。2019中國(guó)互聯網保險創新峰會(huì)（CII∞ ↓S2019）将在4.11-12為(wèi)您帶來(lái)保險δ€♣↔+人(rén)工(gōng)智能(néng÷"↕)的(de)運用(yòng)及暢想。
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