关键词: 保险精算, 人工智能, 大数据分析

Abstract: By the comparison on the model aircraft reconnaissance between Germany and Britain air force, the difference of concept is also found in the traditional actuarial evaluation and big data evaluation. Under the limiteddata circumstances, the traditional insurance industry evaluates the risk based on the actuarial measurement, while the new method with big data analysis can make scenario, diversified and customized analysis through the multidimensional data processing, providing more accurate, flexible and costsaving resolution. For the foreseeable future, the insurance industry can combine the advantages of the two models, enlarging the scope of insurance, constructing more robust insurance system and facilitating the benefit and utility for the whole society.

Key words: actuarial science, artificial intelligence, big data analysis