摘要
随着数字经济的深入发展,保险平台在快速扩张过程中暴露出算法权责模糊、数据伦理失范与平台规则失衡等治理问题,传统治理模式面临严峻挑战。本研究基于ESG理念,系统性重构保险平台治理框架,论证了ESG理念通过目标重构、责任扩展与时间维度延伸三个方面对平台治理范式的革新价值。在此基础上,本文提出了针对算法权责困境、数据伦理困境、规则失衡困境的具体优化路径。
With the deepening development of the digital economy,insurance platforms have exposed a range of governance challenges during their rapid expansion,including unclear allocation of algorithmic rights and responsibilities,ethical lapses in data use,and imbalances in platform rules,thereby placing traditional governance models under severe strain.Based on the ESG framework,this study systematically reconstructs the governance structure of insurance platforms and demonstrates the paradigm-shifting value of ESG principles for platform governance through three dimensions:the redefinition of governance objectives,the expansion of responsibility boundaries,and the extension of temporal dimension.On this basis,the paper proposes targeted optimization pathways to address the governance dilemmas related to algorithmic accountability,data ethics,and rule imbalance.
作者
张柏芝
张蕊
ZHANG Bozhi;ZHANG Rui
出处
《保险职业学院学报》
2025年第5期16-22,共7页
Journal of Insurance Professional College
关键词
保险平台
ESG
平台责任
算法治理
数据伦理
insurance platforms
ESG
platform responsibility
algorithmic governance
data ethics
