瑞士再保险公司的研究表明保险公司近些年面临成本提升过快的难题，诉讼周期更长、律师费与专家费更高。而AI黑盒的广泛引用进一步放大了这一点，抬高了非标争议、算法审计、取证复杂度与专家证人的费用。于是每一次理赔都可能是一场关于边界与准则的司法辩论，保险公司的要先付出多少不可逆的辩护与审计成本。
值得一提的是，Qwen3.5-27B 作为 Qwen3.5 首个密集（Dense）模型，在工具调用、搜索、编程等多个 Agent 评测中均超过了GPT-5 mini；在视觉推理、文本识别和理解、视频推理等多项视觉理解榜单中，超过了 Qwen3-VL 旗舰模型和 Claude Sonnet 4.5。
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