{"id":18512,"date":"2024-09-19T19:41:22","date_gmt":"2024-09-20T00:41:22","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%ec%9d%b8%ed%94%8c%eb%a0%88%ec%9d%b4%ec%85%98%ec%9d%b4-%eb%b3%b4%ed%97%98-%ec%a0%81%ec%9a%a9-%eb%b2%94%ec%9c%84-%ec%a0%9c%ed%92%88-%eb%b0%8f-%ec%a0%95%ec%b1%85%ec%97%90-%eb%af%b8%ec%b9%98%eb%8a%94\/"},"modified":"2024-09-19T19:41:23","modified_gmt":"2024-09-20T00:41:23","slug":"%ec%9d%b8%ed%94%8c%eb%a0%88%ec%9d%b4%ec%85%98%ec%9d%b4-%eb%b3%b4%ed%97%98-%ec%a0%81%ec%9a%a9-%eb%b2%94%ec%9c%84-%ec%a0%9c%ed%92%88-%eb%b0%8f-%ec%a0%95%ec%b1%85%ec%97%90-%eb%af%b8%ec%b9%98%eb%8a%94","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%ec%9d%b8%ed%94%8c%eb%a0%88%ec%9d%b4%ec%85%98%ec%9d%b4-%eb%b3%b4%ed%97%98-%ec%a0%81%ec%9a%a9-%eb%b2%94%ec%9c%84-%ec%a0%9c%ed%92%88-%eb%b0%8f-%ec%a0%95%ec%b1%85%ec%97%90-%eb%af%b8%ec%b9%98%eb%8a%94\/","title":{"rendered":"\uc778\ud50c\ub808\uc774\uc158\uc774 \ubcf4\ud5d8 \uc801\uc6a9 \ubc94\uc704, \uc81c\ud488 \ubc0f \uc815\ucc45\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5"},"content":{"rendered":"\n

\ube44\ub85d \uc778\ud50c\ub808\uc774\uc158\uc728\uc774 2022\ub144 8\uc6d4\uc5d0 \uc644\ud654\ub418\uc5c8\uc9c0\ub9cc, \uc774 \uc8fc\uc81c\ub294 \uacc4\uc18d\ud574\uc11c \ud5e4\ub4dc\ub77c\uc778\uc744 \uc7a5\uc2dd\ud558\uace0 \uc788\uc73c\uba70 \uadf8\ub7f4\ub9cc\ud55c \uc774\uc720\uac00 \uc788\uc2b5\ub2c8\ub2e4.\n\uc778\ud50c\ub808\uc774\uc158\uc740 \uc5ec\uc804\ud788 \uc0c1\uc2b9\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc18c\ube44\uc790 \uc2e0\ub8b0\uc5d0 \ud0c0\uaca9\uc744 \uc785\ud788\uace0 \ubcf4\ud5d8\uc0ac\uc758 \ubcf4\ud5d8 \ube44\uc6a9 \uad00\ub9ac \uc804\ub7b5\uc744 \uc57d\ud654\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ubbf8\uad6d \uc18c\ube44\uc790\ub97c \ub300\uc0c1\uc73c\ub85c \ud55c \ub9e5\ud0a8\uc9c0(McKinsey) \uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \uc751\ub2f5\uc790\uc758 65%\uac00 \ubb3c\uac00 \uc0c1\uc2b9\uacfc \uc778\ud50c\ub808\uc774\uc158\uc744 3\ub300 \uc6b0\ub824 \uc0ac\ud56d\uc73c\ub85c \uaf3d\uc558\ub2e4\uace0 \ud0c0\ub9c8\ub77c \ucc38(Tamara Charm<\/a> )\uacfc \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc740 \uc37c\ub2e4.\n\ubcf4\ud5d8\uc0ac\ub4e4\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc6b0\ub824\ud558\uace0 \uc788\ub294\ub370, \uc778\ud50c\ub808\uc774\uc158\uc73c\ub85c \uc778\ud574 \ubcf4\ud5d8 \ube44\uc6a9\uc774 \ub354 \ub9ce\uc774 \ub4e4\uace0, \uc218\ubc31\ub9cc \uba85\uc758 \uace0\uac1d\uc774 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uc9c0 \ubabb\ud574 \uc218\uc785\uc774 \uac10\uc18c\ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. <\/p>\n\n

\uc5f0\ubc29\uc900\ube44\uc81c\ub3c4\uc774\uc0ac\ud68c(FRB)\uac00 \uc778\ud50c\ub808\uc774\uc158\uc744 \uc5b5\uc81c\ud558\uae30 \uc704\ud55c \uc870\uce58\ub97c \ucde8\ud558\uace0 \uc788\uc9c0\ub9cc, \uadf8 \uc601\ud5a5\uc740 \ub2f9\ubd84\uac04 \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uc5c5\ubb34\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.\n\uc774\ub3d9\ud1b5\uc2e0\uc0ac\uac00 \uc54c\uc544\uc57c \ud560 \uc0ac\ud56d\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. <\/p>\n\n

‘\uc778\ud50c\ub808\uc774\uc158’\uc758 \uc0c1\ud0dc<\/h2>\n\n

\uc778\ud50c\ub808\uc774\uc158\uc728\uc740 2022\ub144\uc5d0 \uc0ac\uc0c1 \ucd5c\uace0\uce58\ub97c \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4.\n\ub178\ub3d9\ud1b5\uacc4\uad6d(Bureau of Labor Statistics)\uc740 2021\ub144 8\uc6d4\uacfc 2022\ub144 8\uc6d4 \uc0ac\uc774\uc5d0 \uc18c\ube44\uc790 \ubb3c\uac00 \uc9c0\uc218\uac00 8.3% \uc0c1\uc2b9\ud55c \uac83\uc73c\ub85c \ucd94\uc815<\/a> \ud558\ub294\ub370, \uc774\ub294 \uc720\uac00\uac00 \uae09\ub4f1\ud55c 1970\ub144\ub300 \ud6c4\ubc18\uacfc 1980\ub144\ub300 \ucd08 \uc774\ud6c4 \ubcfc \uc218 \uc5c6\uc5c8\ub358 \uc218\uce58\uc785\ub2c8\ub2e4. <\/p>\n\n

BLS\ub294 \ubca0\uc774\ucee8\uc5d0\uc11c \uc784\ub300 \uc8fc\ud0dd\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uc5ec\ub7ec \uc0c1\ud488\uc758 \uac00\uaca9\uc744 \ucd94\uc801\ud558\uc5ec \uc778\ud50c\ub808\uc774\uc158\uc744 \uce21\uc815\ud569\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 P&C \ubcf4\ud5d8\uc0ac\uc640 \ub354 \uad00\ub828\uc774 \uc788\ub294 \ud488\ubaa9\uc758 \uac00\uaca9\uc740 \ud45c\uc900 \uc18c\ube44\uc7ac\ubcf4\ub2e4 \ud6e8\uc52c \ub354 \ube60\ub978 \uc18d\ub3c4\ub85c \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \ubaa9\uc7ac \ube44\uc6a9\uc740 2021\ub144\uc5d0 22.7% \uc0c1\uc2b9\ud55c \ubc18\uba74 \uc911\uace0\ucc28 \uac00\uaca9\uc740 40.5% \uc0c1\uc2b9\ud588\ub2e4\uace0 Bill Burns\uc640 Lauryn Kothavale<\/a> \uc740 Insurance Thought Leadership\uc758 \uae30\uc0ac\uc5d0\uc11c \uc37c\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc778\ud50c\ub808\uc774\uc158\uc774 \uc99d\uac00\ud558\uba74 \ubcf4\ud5d8\uc774 \ubd80\uc871\ud574\uc9c8 \uc704\ud5d8\uc774 \ub192\uc544\uc9d1\ub2c8\ub2e4.\n\uac74\ucd95 \uc790\uc7ac, \uc790\ub3d9\ucc28 \ubd80\ud488 \ubc0f \uae30\ud0c0 \uc0c1\ud488\uc758 \ube44\uc6a9\uc774 \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \ubcf4\ud5d8 \uc99d\uad8c\uc758 \ud55c\ub3c4\ub294 \uc704\uae30 \ud6c4 \ucc28\ub7c9\uc774\ub098 \uac74\ubb3c\uc744 \uc644\uc804\ud55c \uae30\ub2a5\uc73c\ub85c \ubcf5\uc6d0\ud558\ub294 \ub370 \ud544\uc694\ud55c \ub354 \uc801\uc740 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\ub97c \ubcf4\uc7a5\ud569\ub2c8\ub2e4.\n2019\ub144 \ub610\ub294 2020\ub144\uc5d0 \uc801\uc808\ud55c \ubcf4\ud638\ub97c \uc81c\uacf5\ud588\ub358 \ubcf4\ud5d8 \uc801\uc6a9 \ubc94\uc704\uac00 \ud604\uc7ac \uace0\uac1d\uc758 \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\uae30\uc5d0 \ucda9\ubd84\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uac74\ucd95 \uc790\uc7ac\ub294 \uacbd\uae30 \uce68\uccb4\ub85c \ud2b9\ud788 \ud070 \ud0c0\uaca9\uc744 \uc785\uc5c8\uc2b5\ub2c8\ub2e4.\n“\uc774\ub294 \uacf5\uc7a5 \ud3d0\uc1c4, \ud56d\uad6c \uc81c\ud55c, \ud574\uc0c1 \ud63c\uc7a1, \ucee8\ud14c\uc774\ub108 \ubd80\uc871 \ubc0f \uadfc\ub85c\uc790 \ubd80\uc7ac\ub85c \uc778\ud55c \uacf5\uae09 \ubcd1\ubaa9 \ud604\uc0c1\uc73c\ub85c \uc778\ud55c \ucf54\ub85c\ub09819\ub85c \uc778\ud55c \uc778\ud50c\ub808\uc774\uc158\uc5d0 \ub530\ub978 \uac83\uc785\ub2c8\ub2e4”\ub77c\uace0 Lockton\uc758 \uc18c\ub9e4 \uc2e4\ubb34 \uadf8\ub8f9 \ucc45\uc784\uc790\uc778 Michael Kay<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \ucca0\uad11\uc11d\uc740 2021\ub144\uc5d0\uc11c 2022\ub144 \uc0ac\uc774\uc5d0 \uac00\uaca9\uc774 88% \uc0c1\uc2b9\ud588\uc2b5\ub2c8\ub2e4.\n\uac15\ucca0\uacfc \uc11d\uace0\uc758 \uac00\uaca9\uc740 20 \ub0b4\uc9c0 30\ud37c\uc13c\ud2b8 \uc0c1\uc2b9\ud558\uc600\ub2e4. <\/p>\n\n

\ucd5c\uadfc \uc218\uc2ed \ub144 \ub3d9\uc548 \uc7ac\uc559\uc801\uc778 \ub0a0\uc528\uc640 \uc790\uc5f0\uc7ac\ud574\uac00 \uc99d\uac00\ud574 \uc654\uc73c\uba70 \uc55e\uc73c\ub85c\ub3c4 \uacc4\uc18d \uc99d\uac00\ud560 \uac83\uc785\ub2c8\ub2e4.\n“\ubcf4\ud5d8\uc5d0 \uac00\uc785\ub41c \uae08\uc561\uc774 \ucd5c\uc2e0 \uc0c1\ud0dc\uac00 \uc544\ub2c8\uba70 \uc778\ud50c\ub808\uc774\uc158\uc73c\ub85c \uc778\ud574 \uc0c1\ub2f9\ud788 \uacfc\uc18c\ud3c9\uac00\ub41c \uacbd\uc6b0, \uadf8 \uacb0\uacfc\ub294 \uccad\uad6c \uc2dc\uc810\uc5d0 \ubd88\ucf8c\ud55c \ub180\ub77c\uc6c0\uc744 \ucd08\ub798\ud560 \uc218 \uc788\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uac31\uc2e0 \uc2dc \ubcf4\ud5d8\uc0ac\uc758 \uc6a9\ub7c9 \ud560\ub2f9 \ub2a5\ub825\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4”\ub77c\uace0 Zurich North America\uc758 \ubbf8\uad6d \ubbf8\ub4e4 \ub9c8\ucf13 \ucc45\uc784\uc790\uc778 Alex Wells<\/a>\ub294 \uc37c\uc2b5\ub2c8\ub2e4. <\/p>\n\n

“\ubcf4\ud5d8\uc0ac\uc758 \uacbd\uc6b0 \uc8fc\uc694 \uc778\ud50c\ub808\uc774\uc158 \uc601\ud5a5\uc740 \uccad\uad6c \ube44\uc6a9 \uc0c1\uc2b9\uc73c\ub85c \ub098\ud0c0\ub0a0 \uac83”\uc774\ub77c\uace0 Swiss Re\uc758 Fernando Casanova Aizpun<\/a> \ub4f1\uc740 \uc37c\uc2b5\ub2c8\ub2e4.\n\uadf8\ub4e4\uc740 \uc2e0\uccb4 \ucc45\uc784\uc744 \ud3ec\ud568\ud55c \uc790\ub3d9\ucc28 \ubc0f \ucc45\uc784 \ubcf4\ud5d8\uc774 \uccad\uad6c \ube44\uc6a9\uc758 \uac00\uc7a5 \uae09\uaca9\ud55c \uc99d\uac00\ub97c \ubcfc \uac83\uc774\ub77c\uace0 \uc608\uce21\ud569\ub2c8\ub2e4. <\/p>\n\n

\uadf8\ub7fc\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc2a4\uc704\uc2a4\uc7ac\ubcf4\ud5d8 \ud300\uc740 \ubcf4\ud5d8 \ubd80\ubb38 \uc804\ubc18\uc774 \ub354 \uac15\ub825\ud55c \uacbd\uc81c \uc131\uc7a5\uc744 \uc774\ub8f0 \uac83\uc774\ub77c\ub294 \ud76c\ub9dd\uc744 \uc783\uc9c0 \uc54a\uace0 \uc788\ub2e4.\n\ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc778\ud50c\ub808\uc774\uc158 \uc0c1\ud669\uc5d0 \uc801\uc751\ud558\uace0 \ubcf4\ud5d8\uae08 \uccad\uad6c \ube44\uc6a9\uc5d0 \ub9de\ucdb0 \ubcf4\ud5d8\ub8cc\ub97c \uc778\uc0c1\ud568\uc5d0 \ub530\ub77c \uc5b4\ub824\uc6b4 \uacbd\uc81c \uc0c1\ud669\uc5d0\uc11c\ub3c4 \uc131\uc7a5\uc744 \uc9c0\uc18d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\"\"<\/figure>\n\n

\uc778\ud50c\ub808\uc774\uc158\uc774 \ubcf4\ud5d8 \ubd84\ubc30\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5<\/h2>\n\n

\ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc778\ud50c\ub808\uc774\uc158\uc758 \uc601\ud5a5\uc744 \uac00\uc7a5 \uba3c\uc800 \uc608\uc0c1\ud560 \uc218 \uc788\ub294 \uacf3\uc740 \ubcf4\ud5d8\uae08 \uccad\uad6c\uc785\ub2c8\ub2e4.\n\ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uccad\uad6c \ube44\uc6a9 \uc0c1\uc2b9\uc5d0 \uc801\uc751\ud568\uc5d0 \ub530\ub77c \uc720\ud1b5\uc5d0\ub3c4 \ubcc0\ud654\uac00 \ubc1c\uc0dd\ud560 \uac83\uc785\ub2c8\ub2e4. <\/p>\n\n

\ubc30\ud3ec \uce21\uba74\uc5d0\uc11c \uc608\uc0c1\ub418\ub294 \ubcc0\uacbd \uc0ac\ud56d\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n