SSIM (Structural Similarity Index Measure) compares two images by evaluating luminance, contrast, and structural patterns across local windows. It returns a score from -1 to 1: 1.0 means the images are pixel-identical, 0 means no structural correlation, and negative values mean the images are anti-correlated (less alike than random noise). For glyph comparison, it answers the question: do these two rendered characters share the same visual structure?
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2025年事实上已经是保单大重写之年;而从2026年开始,企业会逐步发现,自己买到的不是一张覆盖一切的AI风险保单,而是一张更窄、更贵、且附带更多前置条件的可承保风险。本文关心的不是保险公司如何用AI提效,而是反过来,AI如何重写保险的经营范式。风险从可分散变成同源聚合,黑箱把成本先推到辩护费用,责任链条在供应链里漂移。保险会从概率生意走向治理生意,定价权会从精算迁移到审计与红队证据链。