The invention discloses a short insurance dynamic pricing method based on an AI
large model, and the method comprises the steps: S1, constructing a multi-
modal risk dynamic
perception architecture, and outputting a unified dynamic risk vector with a
fixed length; s2, establishing a real-time risk pricing adaptive
mechanism based on the unified dynamic risk vector with the
fixed length output in S1, and realizing a real-time pricing decision across insurance types; s3, designing an intelligent strategy generation and conflict resolution
system, optimizing the real-time pricing decision across insurance types in the S2, and ensuring that the pricing decision achieves the optimal balance between market competitiveness and profit targets on the premise of meeting actuarial constraints and supervision requirements; and S4, constructing a complete decision tracing mechanism by adopting a multi-mode interpretable
artificial intelligence technology, and generating an attribution report based on the data output from S1 to S3 so as to realize the conversion of the pricing decision from a
black box to a
white box. According to the patent technology, through innovative application of an AI
large model, a new-generation intelligent pricing solution is provided for short-term insurance services.