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│\n│              │                  │                            │\n│ • 智能客服    │ • AI Agent投保    │ • AI原生保险产品            │\n│ • 文档自动化  │ • 个性化产品推荐  │ • 动态定价2.0              │\n│ • 智能理赔    │ • 全渠道客户旅程  │ • 去中介化平台              │\n│ • RPA升级     │ • 多模态交互      │ • 生态化金融服务            │\n├──────────────┼──────────────────┼────────────────────────────┤\n│ 典型场景：    │ 典型场景：         │ 典型场景：                  │\n│ 核保自动化   │ Agent驱动的理赔    │ 自主风控决策体系            │\n│ 智能客服     │ 智能投顾           │ AI原生保险产品              │\n│ 报表生成     │ 个性化营销         │ 开放银行/保险平台           │\n├──────────────┴──────────────────┴────────────────────────────┤\n│ 核心原则：Horizon 1 造血 → Horizon 2 蓄力 → Horizon 3 领跑   │\n│ \"先赋能、再替代、最后创新\"                                  │\n└─────────────────────────────────────────────────────────────┘"},{"kind":"example","language":"text","snippet":"金融机构AI就绪度\n├── 能力维度（内部）\n│   ├── 数据基础（数据中台、数据质量、数据合规）\n│   ├── 技术能力（算力、模型、工程化）\n│   ├── 人才储备（AI团队、培训体系、文化接受度）\n│   └── 组织架构（AI部门定位、决策流程、激励机制）\n│\n├── 战略维度（顶层设计）\n│   ├── 愿景清晰度（是否明确AI战略定位）\n│   ├── 资源投入（预算、人力、管理层承诺）\n│   └── 路线图（分阶段目标、里程碑）\n│\n└── 环境维度（外部）\n    ├── 监管要求（国家金融监督管理总局 NFRA）\n    ├── 市场竞争（同行进度、技术替代风险）\n    └── 技术演进（MCP/A2A、多模态、Agent）"}]}}