金吾财讯 | 中信证券表示，AI推动保险行业从“产品找客户”到“产品和客户双向匹配”，创造增量。中国保险深度和密度总体偏低，传统渠道仍然是主要手段，长期停留在“保险找客户”阶段。目前保险代理人队伍正持续提升能力，仍具有价值；银保渠道迎来政策红利，储蓄存款搬家带来行业主要增量。移动互联网流量红利见顶，解决痛点有限。ChatGPT横空出世，Deepseek降低大模型的应用门槛，大幅提升了大模型的逻辑推理能力，AI应用落地开始加速度，技术进步有望推动保险和客户双向匹配，再次带来发展红利。AI应该将主要体现在：效率提升、价值创造、深度决策等方面。从科技能力、数字化基础、账户体系角度出发，关注三条投资主线。从科技能力、数字化基础、账户体系三个角度出发，寻找投资机会，包括：AI驱动的创新互联网保险中介；线上化程度高、数字化转型成功的传统险企，以及有可能和抖音系进行深度合作的保险公司；凭借支付体系和账户整合，具备丰富生态的财富管理平台。
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