The reform of accounting system and the upgrading of regulatory framework are forcing insurance institutions to re-examine the technical support architecture of actuarial modeling system. Against the backdrop of new regulations such as LDTI, IFRS17, and PBR, the complexity of actuarial valuation has grown exponentially, and traditional calculation models are no longer able to meet the requirements of timeliness. This drives the industry to systematically restructure its modeling infrastructure, with the core contradiction focusing on the choice of technological path - adopting third-party cloud service architecture or building autonomous and controllable distributed computing clusters.

Key dimensions of technology selection

Faced with the pressure of compliance upgrade, enterprises need to evaluate the transformation of their modeling system from three levels:

1. Infrastructure components and procurement strategies

2. The impact of different deployment modes on organizational capabilities

3. Analysis of Industry Technology Evolution Trends

Traditional modeling systems often rely on self built data centers, but with the increasing maturity of cloud services, the cost-benefit balance has tilted. The current market presents significant transformation characteristics: 80% of top actuarial software suppliers have launched cloud solutions, and the industry's cloud penetration rate has increased by 37 percentage points compared to five years ago.

Comparative analysis of technical architecture

Characteristics of self built mode:

-Asset ownership: The enterprise fully owns hardware equipment such as servers and storage

-Deployment location: self owned data center or cooperative data center

-Operation and maintenance responsibility: A professional IT team needs to be configured to manage the entire process

Advantages of cloud solutions:

-Elastic resources: on-demand calling of computing resources to avoid hardware idle

-Cost structure: shifting from fixed asset investment to operating expenses

Analysis of Cloud Computing Service System:

Level I Architecture (IaaS): Provides virtualized computing resources, supports autonomous deployment of operating systems and applications

Level 2 architecture (PaaS): Built in development environment to accelerate application deployment efficiency

Level III Architecture (SaaS): Standardized Software Services Ready to Use Out of the Box

Industry research insights

Based on a special survey of 20 typical insurance companies (covering equity/mutual systems, different scales, and software systems), it was found that:

-The adoption rate of hybrid cloud architecture has increased by 45% year-on-year

-The deployment cost of distributed computing clusters has been reduced by 28% compared to traditional models

-Cloud service failure recovery time increased to minutes

Implementation path suggestions

1. Establish a TCO (Total Cost of Ownership) model to quantify the input-output ratio over a five-year period

2. Conduct compatibility testing for legacy systems and assess migration risks

3. Build a dual-mode operation transition plan to ensure business continuity

4. Improve the management system of cloud service providers and strengthen SLA (Service Level Agreement) constraints

Transformation Value Assessment

Cloud transformation not only solves the bottleneck of computing power, but also brings triple value-added effects:

-Regulatory response capability: Shorten the implementation cycle of new regulations by 40-60 working days

-Decision support timeliness: Increase actuarial report output speed by 3-5 times

-Innovation experiment cost: Prototype verification environment construction cost reduced by 70%

Industry Trend Analysis

In the next three years, there will be three major development directions:

1. Intelligent elastic scaling: The popularization of AI driven automatic resource allocation technology

2. Cross cloud interconnection: Multi cloud management platform becomes a standard configuration

3. Security Enhancement: Deepening the Application of Homomorphic Encryption and Other Technologies in Actuarial Data Protection

The actuarial department and technical team need to establish a collaborative mechanism to transform from a cost center to a value creation center. Through scientific technology selection and implementation planning, enterprises can build a future oriented digital actuarial capability system based on compliance and standards, and gain a first mover advantage in industry transformation.