物聯(lián)網(wǎng)技術(shù)在保險風險預(yù)防中的應(yīng)用

中圖分類號：F23；TN92 文獻標志碼：B 文章編碼：1672-7274（2025）07-0149-03

The Application of Internet of Things Technology in Insurance Risk Prevention DING Fengwei

（SanyaUniversity，Sanya572ooo，China）

Abstract：Digital technologies with the Internet of Things （IoT）technology as the core are infiltrating the insurance industry.This paper analyzes the practical significanceof theapplicationofIoT technology in insurance risk prevention，explores its application scenarios，implementation paths，and development prospects in insurance businessareas such as auto insurance，health insurance，and property insurance，providing a reference for the digital transformation of the insurance industry.

Keywords：InternetofThings technology;insurance industry;riskprevention

0 引言

保險業(yè)作為經(jīng)營風險的特殊金融業(yè)態(tài)，其核心價值在于風險管控機制的創(chuàng)新。（剩余4746字）