2025年事实上已经是保单大重写之年;而从2026年开始,企业会逐步发现,自己买到的不是一张覆盖一切的AI风险保单,而是一张更窄、更贵、且附带更多前置条件的可承保风险。本文关心的不是保险公司如何用AI提效,而是反过来,AI如何重写保险的经营范式。风险从可分散变成同源聚合,黑箱把成本先推到辩护费用,责任链条在供应链里漂移。保险会从概率生意走向治理生意,定价权会从精算迁移到审计与红队证据链。
Now we are in 2026, and on the verge of the GTK 4.22 release. A good time to review how far we’ve come.
。夫子对此有专业解读
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Recall that a barycentric coordinate system is given with respect to a -dimensional simplex, where is no larger than the dimensional space. Given a set of scattered points, it’s possible to create a tessellation of the space by forming simplices from the points, such that any input point that lies within the convex hull of the scattered set can be expressed in terms of the enclosing simplex and its corresponding barycentric coordinates2. This can be understood as a kind of triangulated irregular network (TIN).
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