The rapid evolution of artificial intelligence (AI) tools has demonstrated immense potential to enhance societal well-being and operational efficiency. However, the inherent unreliability and uncertain operational consequences of modern AI systems, typified by large language models (LLMs), have created a significant barrier to enterprise adoption. Many enterprises remain hesitant to integrate these tools deeply into their workflows due to concerns about unpredictable losses and liability exposure. While existing technical safeguards primarily seek to reduce the likelihood or severity of AI-enabled workflow failures, they do not by themselves provide ex post financial protection when residual pecuniary tail losses materialize. In this paper, we introduce a socio-economic framework that complements these safeguards by transferring and absorbing the residual financial consequences of AI adoption through insurance. To evaluate this framework, we develop an LLM-driven agent-based social simulation (LABSS) system. We assess the behavioral validity of the simulation using established economic and sociological theories. Our analysis demonstrates that the proposed insurance framework reduces firm-level financial exposure, thereby accelerating the aggregate adoption of AI tools and improving firm solvency and aggregate capital.
Yi-Xuan Yuan, Dedai Wei, Chudong Qian et al.· 0 citations
Multimodal large language models (MLLMs) have made significant progress in chart understanding, generation, and editing, but their ability to annotate existing charts remains underexplored. Annotating charts is a common yet challenging communicative task, requiring models to infer intended messages, interpret chart semantics, and place appropriate textual or graphical elements. To address this gap, we introduce ChartAnno, a benchmark for evaluating MLLMs on chart annotation generation. It contains 1,200 real-world charts with paired code and annotation instructions across three levels of instruction specificity. We evaluate 10 representative MLLMs under two primary input settings: (1) chart code alone and (2) both chart code and chart image, and further include a chart image-only ablation study. Results show that proprietary models remain stronger overall, although large-scale open-source models narrow the gap. More specific instructions improve annotation quality, while inferring abstract intent remains most difficult for current MLLMs. Providing chart images brings limited overall gains, with improvements mainly appearing in design-related metrics. These findings highlight chart annotation generation as a challenging task requiring semantic grounding and effective annotation design. Code and data will be released in a future version.
Zhenghan Chen, Zekai Shao, Lidan Tan et al.· 0 citations
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