保险作为AI风险基础设施：生成式智能体模拟AI采用
原标题：Insurance as AI Risk Infrastructure: A Generative-Agent Simulation of AI Adoption
AI 摘要
该论文提出将保险作为AI风险基础设施，通过转移和吸收AI采用中的残余财务风险，以促进企业采用AI工具。作者开发了基于LLM的智能体社会模拟系统（LABSS），模拟300天内企业在有无保险情况下的AI采用决策。结果显示，有保险时AI最终采用率从74.97%提升至84.38%，破产企业数从4.33降至1.33，总资本更高。该框架通过风险池补偿严重AI相关损失，减少企业财务负担并抑制恐慌传播。
正文节选
Insurance as AI Risk Infrastructure: A Generative-Agent Simulation of AI Adoption Abstract The rapid evolution of artificial intelligence (AI) tools has demonstrated immense potential to enhance societal well-being and operational efficiency. However, the inherent unreliability and uncertain operational consequences of modern AI systems, typified by large language models (LLMs), have created a significant barrier to enterprise adoption. Many enterprises remain hesitant to integrate these tools d