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 <front>
  <journal-meta>
   <journal-id journal-id-type="publisher-id">JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT</journal-id>
   <journal-title-group>
    <journal-title xml:lang="en">JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT</journal-title>
    <trans-title-group xml:lang="ru">
     <trans-title>JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT</trans-title>
    </trans-title-group>
   </journal-title-group>
   <issn publication-format="print">2782-4586</issn>
   <issn publication-format="online">2949-1851</issn>
  </journal-meta>
  <article-meta>
   <article-id pub-id-type="publisher-id">115891</article-id>
   <article-id pub-id-type="doi">10.26118/2782-4586.2026.22.77.056</article-id>
   <article-categories>
    <subj-group subj-group-type="toc-heading" xml:lang="ru">
     <subject>Научные статьи</subject>
    </subj-group>
    <subj-group subj-group-type="toc-heading" xml:lang="en">
     <subject>SCIENTIFIC ARTICLES</subject>
    </subj-group>
    <subj-group>
     <subject>Научные статьи</subject>
    </subj-group>
   </article-categories>
   <title-group>
    <article-title xml:lang="en">Implementation of programs with advanced language models (AI) in insurance companies</article-title>
    <trans-title-group xml:lang="ru">
     <trans-title>Внедрение программ с продвинутыми языковыми моделями (ИИ) в страховых компаниях</trans-title>
    </trans-title-group>
   </title-group>
   <contrib-group content-type="authors">
    <contrib contrib-type="author">
     <name-alternatives>
      <name xml:lang="ru">
       <surname>Иванов</surname>
       <given-names>А. М.</given-names>
      </name>
      <name xml:lang="en">
       <surname>Ivanov</surname>
       <given-names>A. M.</given-names>
      </name>
     </name-alternatives>
     <xref ref-type="aff" rid="aff-1"/>
    </contrib>
    <contrib contrib-type="author">
     <name-alternatives>
      <name xml:lang="ru">
       <surname>Даутова</surname>
       <given-names>Д. Т.</given-names>
      </name>
      <name xml:lang="en">
       <surname>Dautova</surname>
       <given-names>D. T.</given-names>
      </name>
     </name-alternatives>
     <xref ref-type="aff" rid="aff-1"/>
    </contrib>
    <contrib contrib-type="author">
     <name-alternatives>
      <name xml:lang="ru">
       <surname>Власов</surname>
       <given-names>Дмитрий Анатольевич</given-names>
      </name>
      <name xml:lang="en">
       <surname>Vlasov</surname>
       <given-names>Dmitriy Anatol'evich</given-names>
      </name>
     </name-alternatives>
     <email>DAV495@gmail.com</email>
     <bio xml:lang="ru">
      <p>кандидат педагогических наук;</p>
     </bio>
     <bio xml:lang="en">
      <p>candidate of pedagogical sciences;</p>
     </bio>
     <xref ref-type="aff" rid="aff-2"/>
    </contrib>
   </contrib-group>
   <aff-alternatives id="aff-1">
    <aff>
     <institution xml:lang="ru">Российский университет дружбы народов</institution>
    </aff>
    <aff>
     <institution xml:lang="en">Peoples’ Friendship University of Russia</institution>
    </aff>
   </aff-alternatives>
   <aff-alternatives id="aff-2">
    <aff>
     <institution xml:lang="ru">федеральное государственное бюджетное образовательное учреждение высшего образования «Российский экономический университет имени Г.В. Плеханова»</institution>
     <country>Россия</country>
    </aff>
    <aff>
     <institution xml:lang="en">Plekhanov Russian University of Economics</institution>
     <country>Russian Federation</country>
    </aff>
   </aff-alternatives>
   <pub-date publication-format="print" date-type="pub" iso-8601-date="2026-03-04T22:30:06+03:00">
    <day>04</day>
    <month>03</month>
    <year>2026</year>
   </pub-date>
   <pub-date publication-format="electronic" date-type="pub" iso-8601-date="2026-03-04T22:30:06+03:00">
    <day>04</day>
    <month>03</month>
    <year>2026</year>
   </pub-date>
   <fpage>443</fpage>
   <lpage>450</lpage>
   <history>
    <date date-type="received" iso-8601-date="2026-02-28T00:00:00+03:00">
     <day>28</day>
     <month>02</month>
     <year>2026</year>
    </date>
   </history>
   <self-uri xlink:href="https://zhpi.ru/en/nauka/article/115891/view">https://zhpi.ru/en/nauka/article/115891/view</self-uri>
   <abstract xml:lang="ru">
    <p>Статья посвящена вопросам внедрения продвинутых языковых моделей (LLM) в страховых компаниях и формированию комплексного подхода к их безопасной и эффективной интеграции. Рассматриваются архитектурные решения, обеспечивающие проверяемость и прозрачность работы моделей, методы оценки экономической эффективности (TCO/ROI) и рисков, нормативные требования в рамках EU AI Act и NIST AI RMF, а также важность долгосрочного управления рисками, связанными с внедрением генеративного ИИ. Особое внимание уделено роли человеческого надзора, независимой валидации и разработке внутренних корпоративных стандартов, обеспечивающих справедливость, надежность и устойчивость решений на базе ИИ. Предлагаемые концепции FRIA-in-the-Loop и LLM-Assurance for Insurance служат основой для формирования целостной системы гарантий качества при использовании генеративных технологий в страховой отрасли.</p>
   </abstract>
   <trans-abstract xml:lang="en">
    <p>The article focuses on the implementation of advanced language models (LLM) in insurance companies and the development of a comprehensive approach to their safe and effective integration. It explores architectural solutions that ensure the verifiability and transparency of model operations, methods for evaluating cost-effectiveness (TCO/ROI) and risks, regulatory requirements under the EU AI Act and NIST AI RMF, and the importance of long-term risk management associated with the implementation of generative AI. The article emphasizes the role of human oversight, independent validation, and the development of internal corporate standards that ensure the fairness, reliability, and sustainability of AI-based solutions. The proposed FRIA-in-the-Loop and LLM-Assurance for Insurance concepts serve as a foundation for creating a comprehensive quality assurance system for the use of generative technologies in the insurance industry.</p>
   </trans-abstract>
   <kwd-group xml:lang="ru">
    <kwd>искусственный интеллект</kwd>
    <kwd>языковые модели (LLM)</kwd>
    <kwd>генеративный ИИ</kwd>
    <kwd>страхование</kwd>
    <kwd>автоматизация бизнес-процессов</kwd>
    <kwd>управление рисками</kwd>
    <kwd>анализ данных</kwd>
    <kwd>комплаенс</kwd>
    <kwd>оценка влияния на фундаментальные права (FRIA)</kwd>
    <kwd>LLM-Assurance for Insurance (LLM-A²)</kwd>
    <kwd>безопасность и справедливость ИИ</kwd>
   </kwd-group>
   <kwd-group xml:lang="en">
    <kwd>artificial intelligence</kwd>
    <kwd>language models (LLM)</kwd>
    <kwd>generative AI</kwd>
    <kwd>insurance</kwd>
    <kwd>business process automation</kwd>
    <kwd>risk management</kwd>
    <kwd>data analysis</kwd>
    <kwd>compliance</kwd>
    <kwd>fundamental rights impact assessment (FRIA)</kwd>
    <kwd>LLM-Assurance for Insurance (LLM-A²)</kwd>
    <kwd>and AI safety and fairness</kwd>
   </kwd-group>
  </article-meta>
 </front>
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</article>
