基于人工智能素养培育导向的实训课改革与实践——以《人身保险业务综合模拟实训》课程为例

Reform and Practice of Practical Training Courses Guided by AI Literacy Cultivation—Taking the Course “Comprehensive Simulation Training for Life Insurance Business” as an Example

摘要: 在人工智能技术加速重塑保险行业的背景下，大学生AI素养培育已成为高等教育改革的重要议题。本文以《人身保险业务综合模拟实训》课程为例，针对当前实践课程存在的教学模式固化、AI素养教育缺位及产教协同不畅等痛点，基于UNESCO学生人工智能能力框架，从教学内容重构、教学方法创新与教学评价多元化三个维度推进课程改革。在教学内容方面，将AI技术深度融入营销、核保、理赔、客户服务四大模块，实现从传统操作训练向“智能顾问”、“人机协同”、“反欺诈与温情服务”的转型；在教学方法方面，引入项目制教学与案例场景化教学，以真实项目驱动AI素养落地；在评价方面，构建覆盖工具应用效能、批判性思维与伦理意识、复杂问题解决能力及数字化沟通表达的多维评价体系。最后，从数智融合驱动的内容迭代机制、人机协同导向的教学范式转型及多维立体的素养评价体系建设三个方面提出了未来优化路径，以期为同类实践课程的AI素养教育改革提供参考。

Abstract: Against the backdrop of AI rapidly reshaping the insurance industry, cultivating AI literacy among university students has become a key issue in higher education reform. Using the Comprehensive Simulation Training for Life Insurance Business course as a case study, this paper addresses current pain points in practice-oriented courses, such as rigid teaching models, the absence of AI literacy education, and weak industry-education collaboration. Grounded in the UNESCO Student AI Competency Framework, the reform is advanced across three dimensions: restructuring teaching content, innovating teaching methods, and diversifying assessment. In terms of content, AI technologies are deeply integrated into four core modules—marketing, underwriting, claims, and customer service—shifting the focus from traditional operational training to areas like “intelligent advisory,” “human-AI collaboration,” and “anti-fraud with empathetic service.” Methodologically, project-based and scenario-driven case teaching are introduced to anchor AI literacy through real-world projects. For assessment, a multidimensional evaluation system is established, covering tool application efficacy, critical thinking and ethical awareness, complex problem-solving abilities, and digital communication skills. Finally, the paper proposes future optimization pathways from three perspectives: a content iteration mechanism driven by digital-intelligence integration, a pedagogical paradigm shift oriented toward human-AI collaboration, and the development of a multidimensional literacy assessment system, aiming to provide references for AI literacy education reform in similar practice-oriented courses.