規制市場における透明性の高い機械学習の活用

モデリング技術は、革新的なアルゴリズムと計算能力の向上により、ここ数十年で著しく進歩した。保険業界も例外ではなく、新たな潮流が世界中の市場に急速に影響を及ぼしている。自然な流れとして、これらの先進的アプローチは規制緩和が進んでいる市場でいち早く採用された。しかし現在では、特定の商品や補償範囲に対して固定料率が設定された規制市場や、一定の規制を維持しつつも規制緩和が進む(いわば非タリフ化が進む)市場など、従来型の規制環境下にある市場においても、より高い柔軟性を受け入れ、より現代的なモデリング手法の導入が進んでいる。
自動車保険と火災保険の市場が厳格な規制監督下に置かれることが多いアジア太平洋地域では、この傾向が特に顕著である。同様に、世界の多くの市場では、医療保険や強制加入保険など、倫理的配慮が求められる保険商品について、プライシングに制約が課されている。
高度なモデリング手法は、規制の厳しい市場とは相容れないと考えられがちである。この認識は、他の市場で一般的に用いられる特定の保険数理手法をこれらの市場では直接適用できないということ、そしてモデリングの高度化が「ブラックボックス化」を招くのではないのかという懸念の両方に起因する。本ホワイトペーパーは、規制上の制約下における透明性の高い機械学習の効果的な適用について考察する。特に、規制上の制限によってリスクモデルに基づく洞察をプライシングに直接反映できないケースに焦点を当てる。
ホワイトペーパー「規制市場における透明性の高い機械学習の活用」
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In the context of Akur8’s and Milliman’s strategic alliance to provide AI-driven pricing solutions to insurers, Akur8 has engaged Milliman to analyse Akur8’s pricing solution and methodology (“Akur8 Tool”). Milliman’s Paper “Analysis of Akur8 pricing solution and methodology” (the “Paper”) provides a general opinion on the relevance of the modelling choices made by the Akur8 Tool in the context of non-life insurance pricing.Milliman is hereafter referred to as “we” and the readers of the Paper as “you”.

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You are not allowed to distribute or disclose all or part of the Paper to any third party whatsoever, without Milliman’s prior written consent, which may be given at their sole discretion.No Use of Milliman nameYou agree not to use and/or refer to Milliman’s name and/or trademarks directly or indirectly in any communication with any third party without Milliman’s prior written consent, which consent shall be required for each use or disclosure and shall be granted only at Milliman’s sole discretion.
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Any judgement on the elements contained in the Paper should be made only after studying the document in its entirety. Any conclusions drawn from one or more sections taken in isolation may be incorrect.The Paper is intended to be used by persons with certain levels of expertise in the areas covered and for the purposes stated. Any reader of the Paper should have a certain level of expertise in the areas related to this analysis, in order to appreciate the significance of the assumptions made and the impact of those assumptions on the results obtained.We recommend that any reader be assisted in reviewing the Paper by a qualified professional to ensure that our findings and recommendations have been understood.The Paper has been commissioned by and prepared for the exclusive use of Akur8, in accordance with the terms of our engagement letter. We make no commitment to third parties and shall not be liable for any use by a third party of an opinion or more generally for the use by such third party of the results included in the Paper. Milliman does not intend to benefit or create any legal obligation to any third-party recipient of its work.‍ 
‍Intellectual Property
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Any right not expressly granted to you in these Terms of Use remains the right of Milliman and Akur8. Using the Paper under the conditions set forth in the section “Restrictions” does not give you ownership of any intellectual property rights in the content you access (including any branding used in the Paper)
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TERMS OF USE OF THE PAPER “ANALYSIS OF AKUR8 PRICING SOLUTION AND METHODOLOGY” (“Terms of Use”)

‍
In the context of Akur8’s and Milliman’s strategic alliance to provide AI-driven pricing solutions to insurers, Akur8 has engaged Milliman to analyse Akur8’s pricing solution and methodology (“Akur8 Tool”). Milliman’s Paper “Analysis of Akur8 pricing solution and methodology” (the “Paper”) provides a general opinion on the relevance of the modelling choices made by the Akur8 Tool in the context of non-life insurance pricing.Milliman is hereafter referred to as “we” and the readers of the Paper as “you”.

‍RESTRICTIONS
Distribution
You are not allowed to distribute or disclose all or part of the Paper to any third party whatsoever, without Milliman’s prior written consent, which may be given at their sole discretion.No Use of Milliman nameYou agree not to use and/or refer to Milliman’s name and/or trademarks directly or indirectly in any communication with any third party without Milliman’s prior written consent, which consent shall be required for each use or disclosure and shall be granted only at Milliman’s sole discretion.
‍
‍RESERVATION
Absence of Commitment
‍
Any judgement on the elements contained in the Paper should be made only after studying the document in its entirety. Any conclusions drawn from one or more sections taken in isolation may be incorrect.The Paper is intended to be used by persons with certain levels of expertise in the areas covered and for the purposes stated. Any reader of the Paper should have a certain level of expertise in the areas related to this analysis, in order to appreciate the significance of the assumptions made and the impact of those assumptions on the results obtained.We recommend that any reader be assisted in reviewing the Paper by a qualified professional to ensure that our findings and recommendations have been understood.The Paper has been commissioned by and prepared for the exclusive use of Akur8, in accordance with the terms of our engagement letter. We make no commitment to third parties and shall not be liable for any use by a third party of an opinion or more generally for the use by such third party of the results included in the Paper. Milliman does not intend to benefit or create any legal obligation to any third-party recipient of its work.‍ 
‍Intellectual Property
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Any right not expressly granted to you in these Terms of Use remains the right of Milliman and Akur8. Using the Paper under the conditions set forth in the section “Restrictions” does not give you ownership of any intellectual property rights in the content you access (including any branding used in the Paper)
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