这也是为什么2025年会成为商业保险的大重写之年。模板条款一旦确定，承保流程就会系统更新，问卷会追问企业把生成式AI用在何处、谁负责治理、是否做红队、是否有监控与日志；除外责任会变得更硬；子限额与免赔会围绕治理证据链重新定价。标准化的意义不只在于更严，而在于它把责任边界从个别公司各写各的升级为行业模板。进入模板时代，企业很难再用没注意到来逃避治理。要么承认暴露并把它买回来，要么用可验证控制把它变成可承保风险。
Филолог заявил о массовой отмене обращения на «вы» с большой буквы09:36
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Four years ago, MLS Next Pro implemented a pair of rules geared towards eliminating time-wasting. Now, just months ahead of the 2026 World Cup, MLS’s experimentation is set to be adopted globally. The International Football Association Board (Ifab), the sport’s rule-making body, is set to meet this weekend and is widely expected to adopt both changes.
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Алевтина Запольская (редактор отдела «Бывший СССР»)
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