{"id":19489,"date":"2024-09-20T09:40:36","date_gmt":"2024-09-20T14:40:36","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%ea%b3%a0%ec%95%a1-%ec%88%9c%ec%9e%90%ec%82%b0-%ea%b3%a0%ea%b0%9d-%ea%b4%80%eb%a6%ac%eb%a5%bc-%ec%9c%84%ed%95%9c-%ea%b3%a0%ea%b8%89-pc-%eb%b3%b4%ed%97%98-%ec%a0%84%eb%9e%b5\/"},"modified":"2024-09-20T09:40:41","modified_gmt":"2024-09-20T14:40:41","slug":"%ea%b3%a0%ec%95%a1-%ec%88%9c%ec%9e%90%ec%82%b0-%ea%b3%a0%ea%b0%9d-%ea%b4%80%eb%a6%ac%eb%a5%bc-%ec%9c%84%ed%95%9c-%ea%b3%a0%ea%b8%89-pc-%eb%b3%b4%ed%97%98-%ec%a0%84%eb%9e%b5","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%ea%b3%a0%ec%95%a1-%ec%88%9c%ec%9e%90%ec%82%b0-%ea%b3%a0%ea%b0%9d-%ea%b4%80%eb%a6%ac%eb%a5%bc-%ec%9c%84%ed%95%9c-%ea%b3%a0%ea%b8%89-pc-%eb%b3%b4%ed%97%98-%ec%a0%84%eb%9e%b5\/","title":{"rendered":"\uace0\uc561 \uc21c\uc790\uc0b0 \uace0\uac1d \uad00\ub9ac\ub97c \uc704\ud55c \uace0\uae09 P&C \ubcf4\ud5d8 \uc804\ub7b5"},"content":{"rendered":"\n

\uace0\uc561 \uc21c\uc790\uc0b0 \ubcf4\uc720\uc790\ub294 \uc885\uc885 \uace0\uc720\ud55c \uc704\ud5d8\uc5d0 \uc9c1\uba74\ud569\ub2c8\ub2e4.\n\uadf8\ub4e4\uc758 \uc7ac\uc815 \uc0c1\ud669\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0, \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \ud2b9\ud788 \uc774\ub7ec\ud55c \ub3c5\ud2b9\ud55c \uc704\ud5d8 \uc601\uc5ed\uc5d0\uc11c \ubcf4\ud5d8\uc5d0 \uac00\uc785\ub418\uc5b4 \uc788\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uace0\uc720\ud55c \uc704\ud5d8\uc5d0\ub294 \ucd5c\uc0c1\uc758 \ubcf4\uc7a5 \uc635\uc158\uc5d0 \ub300\ud55c \uace0\uc720\ud55c \ud1b5\ucc30\ub825\uc774 \ud544\uc694\ud558\uba70, \ud2b9\ud788 \uace0\uc561 \uc21c\uc790\uc0b0 \uac1c\uc778\uc758 \uacbd\uc6b0 \uac1c\uc778 \ubc0f \ube44\uc988\ub2c8\uc2a4 \ubcf4\uc7a5\uc774 \uad50\ucc28\ud560 \uc218 \uc788\ub294 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8 \uc601\uc5ed\uc5d0\uc11c \uadf8\ub807\uc2b5\ub2c8\ub2e4.\n\uace0\uc561 \uc21c\uc790\uc0b0 \uc790\uc0b0\uac00\uac00 \uc9c1\uba74\ud55c \ud2b9\uc815 \uc704\ud5d8\uc744<\/a> \uc774\ud574\ud558\ub294 \ubcf4\ud5d8\uc0ac\ub294 \uadf8\ub4e4\uc758 \uc694\uad6c \uc0ac\ud56d\uc744 \ub354 \uc798 \ud574\uacb0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uace0\uc561 \uc21c\uc790\uc0b0 \uac1c\uc778\uc758 \uace0\uc720\ud55c \uc694\uad6c \uc0ac\ud56d \ucda9\uc871<\/h2>\n\n

\ubcf4\ud5d8 \ub300\ub9ac\uc778, \uc911\uac1c\uc778 \ubc0f \uc6b4\uc1a1\uc5c5\uccb4\ub294 \ub300\ubd80\ubd84\uc758 \ubcf4\ud5d8 \uad6c\ub9e4\uac00 \uc77c\uc0c1\uc801\uc778 \uc77c\ubc18\uc801\uc778 \uc0c1\ud669\uc744 \ub2e4\ub8e8\uae30 \ub54c\ubb38\uc5d0 \ub300\ubd80\ubd84\uc758 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8 \uc694\uad6c \uc0ac\ud56d\uc744 \uc27d\uac8c \ucc98\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uace0\uc561 \uc21c\uc790\uc0b0 \uac1c\uc778\uc758 \uacbd\uc6b0 \uc77c\uc0c1\uc801\uc778 \ubcf4\uc7a5\uc73c\ub85c \ud574\uacb0\ud560 \uc218 \uc788\ub294 \uc601\uc5ed\uc744 \ubc97\uc5b4\ub098\uae30 \ub54c\ubb38\uc5d0 \uc62c\ubc14\ub978 \ubcf4\ud5d8\uc744 \ucc3e\ub294 \uac83\uc774 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

“\uc800\uc640 \uc774 \ub098\ub77c\uc758 \ub300\ubd80\ubd84\uc758 \uc0ac\ub78c\ub4e4\uc774 \uc0dd\uac01\ud558\uac70\ub098 \uac71\uc815\ud560 \ud544\uc694\uac00 \uc5c6\ub294 \ub178\ucd9c \uc911 \uc77c\ubd80\ub294 \uc774 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \ud070 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4”\ub77c\uace0 \ubd80\ud2f0\ud06c \ub9ac\uc2a4\ud06c \uc790\ubb38 \ubc0f \ubcf4\ud5d8 \uc911\uac1c \ud68c\uc0ac\uc778 North Improvement\uc758 \uacf5\ub3d9 \uc124\ub9bd\uc790\uc774\uc790 \uc0ac\uc7a5\uc778 Hayden Kopser<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc608\ub97c \ub4e4\uc5b4, \uc218\ubc31\ub9cc \uba85\uc758 \ubbf8\uad6d\uc778\uc774 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc744 \ud544\uc694\ub85c \ud569\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uace0\uc561 \uc21c\uc790\uc0b0\uac00\ub4e4\uc740 \ub300\ubd80\ubd84\uc758 \uc6b4\uc804\uc790\ub4e4\uc5d0\uac8c \uc81c\uacf5\ub418\ub294 \ud45c\uc900 \ubcf4\ud5d8\ubcf4\ub2e4 \ub354 \ub9ce\uc740 \uac83\uc744 \ud544\uc694\ub85c \ud560 \uc218 \uc788\ub2e4\uace0 \ubcf4\ud5d8 \uc800\uc220\uac00 \uc778 \ub808\uc774\uccbc \ubcf4\ub518(Rachel Bodine)\uacfc \ub808\uc2ac\ub9ac \uce74\uc2a4\ud398\ub85c\ube44\uce58(Leslie Kasperowicz)\ub294<\/a> \uc9c0\uc801\ud55c\ub2e4. <\/p>\n\n

\uace0\uc561 \uc21c\uc790\uc0b0 \uc6b4\uc804\uc790\ub294 \uc783\uc744 \uac83\uc774 \ub354 \ub9ce\uae30 \ub54c\ubb38\uc5d0 \ub354 \ub9ce\uc740 \ubcf4\uc7a5\uc774 \ud544\uc694\ud560 \uc218 \uc788\ub2e4\uace0 Bodine\uacfc Kasperowicz\ub294 \uc501\ub2c8\ub2e4.\n\uadf8\ub4e4\uc740 \ub610\ud55c \uc0ac\uace0 \ud6c4 \ub354 \uc9d1\uc911\uc801\uc778 \ubbf8\ub514\uc5b4\uc640 \uc0ac\ud68c\uc801 \uc870\uc0ac\uc5d0 \uc9c1\uba74\ud560 \uc218 \uc788\uc73c\uba70, \ud2b9\ud788 \uace0\uc561 \uc21c\uc790\uc0b0\uac00\uac00 \uc798 \uc54c\ub824\uc838 \uc788\uac70\ub098 \ub864 \ubaa8\ub378\ub85c \uac04\uc8fc\ub418\ub294 \uacbd\uc6b0 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4.\n\uc0ac\uace0 \ud6c4 \uadf8\ub4e4\uc758 \uc694\uad6c \uc0ac\ud56d\ub3c4 \ub2e4\ub97c \uc218 \uc788\uc73c\uba70, \ud2b9\ud788 \uad00\ub828 \ubd80\uc0c1\uc73c\ub85c \uc778\ud574 \uc77c\uc744 \ud560 \uc218 \uc5c6\ub294 \uacbd\uc6b0 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \ubaa8\ub4e0 \uc694\uc18c\ub294 \uace0\uc561 \uc21c\uc790\uc0b0 \uc6b4\uc804\uc790\uc758 \uc694\uad6c\uc5d0 \ub9de\uac8c \uc790\ub3d9\ucc28 \ubcf4\uc7a5\uc744 \uc870\uc815\ud558\ub294 \ub370 \uc720\ub9ac\ud569\ub2c8\ub2e4. <\/p>\n\n

\uace0\uc561 \uc21c\uc790\uc0b0 \uc790\uc0b0\uac00\uc758 \uace0\uc720\ud55c \uc694\uad6c \uc0ac\ud56d\uc740 \uc218\uc815\ub41c \uc790\ub3d9\ucc28 \ub610\ub294 \uc8fc\ud0dd \ubcf4\ud5d8\uc73c\ub85c \ub05d\ub098\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uac1c\uc778\uc740 \ub610\ud55c \uc77c\ubc18 P&C \ubcf4\ud5d8 \uace0\uac1d\uc774 \uc0dd\uac01\ud558\uc9c0 \ubabb\ud558\ub294 \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \uace0\uc561 \uc21c\uc790\uc0b0 \uac00\uc871\uc740 \ub0a9\uce58\uc640 \uac19\uc740 \uc0ac\uac74\uc5d0 \ub300\ucc98\ud558\uae30 \uc704\ud574 \ubcf4\ud5d8\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

“\ub0a9\uce58\uc640 \ubab8\uac12\uc740 \ud2b9\ud788 \ubd80\uc720\uce35\uc774 \ubcf4\ub2e4 \uae00\ub85c\ubc8c\ud55c \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c\uc744 \uc0b4\uba74\uc11c \uace0\uc561 \uc790\uc0b0\uac00\uc640 \uadf8 \uac00\uc871\uc5d0\uac8c \uc911\uc694\ud55c \ubcf4\ud638 \uc704\ud5d8\uc785\ub2c8\ub2e4”\ub77c\uace0 Aon Private Risk Management\uc758 \ud68c\uc7a5\uc778 Sam Cargill<\/a>\uc740 \uc124\uba85\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc808\ub3c4, \ub0a9\uce58, \uc0ac\uae30 \ubc0f \uc774\uc640 \uc720\uc0ac\ud55c \ubb38\uc81c\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\uba74 \uace0\uc561 \uc790\uc0b0\uac00\uac00 \uc0ac\ud68c\uc758 \ub2e4\ub978 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc5b4\ub5bb\uac8c \ubcf4\uc774\ub294\uc9c0\uc5d0 \ub530\ub77c \ubc1c\uc0dd\ud558\ub294 \uc704\ud5d8\uc744 \ud574\uacb0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.\n\uadf8\ub4e4\uc758 \uc790\uc0b0\uc740 \uc77c\ubd80 \uac1c\uc778\uc774 \uc774\ub7ec\ud55c \uac1c\uc778\uc744 \ub300\uc0c1\uc73c\ub85c \ubcf4\ub3c4\ub85d \ubd80\ucd94\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc62c\ubc14\ub978 \ubcf4\ud5d8 \uc801\uc6a9 \ubc94\uc704\ub97c \ud1b5\ud574 \ubd80\ub3c4\ub355\ud55c \uc81c3\uc790\ub85c\ubd80\ud130 \uace0\uc561 \uc21c\uc790\uc0b0 \uace0\uac1d\uc744 \uc783\uc744 \uc704\ud5d8\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uace0\uc561 \uc21c\uc790\uc0b0 \uace0\uac1d\uacfc\uc758 \uad00\uacc4 \uad6c\ucd95\uc758 \uc911\uc694\uc131\uc744 \uac04\uacfc\ud558\uc9c0 \ub9c8\uc2ed\uc2dc\uc624.\nEP Wealth Advisors\uc758 \uacf5\ub3d9 \ucc3d\ub9bd\uc790\uc774\uc790 \uc804\ubb34 \uc774\uc0ac\uc778 \uacf5\uc778 \uc7ac\ubb34 \uc124\uacc4\uc0ac Brian Parker<\/a>\ub294 \uad00\uacc4 \uad6c\ucd95\uc740 \ubb34\ud615 \uc790\uc0b0 \ub610\ub294 “\uc790\uc0b0 \uad00\ub9ac\uc758 \uac10\uc815\uc801\uc774\uace0 \uac1c\uc778\uc801\uc778 \uce21\uba74\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd98\ub2e4”\uace0 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \uc774\ub7ec\ud55c \ubb34\ud615 \uc790\uc0b0\uc744 \uae30\ubc18\uc73c\ub85c \uad00\uacc4\ub97c \uad6c\ucd95\ud568\uc73c\ub85c\uc368 \uace0\uc561 \uc21c\uc790\uc0b0 \uace0\uac1d\uacfc \ud611\ub825\ud558\ub294 \uc0ac\ub78c\ub4e4\uc740 \uace0\uac1d \ucda9\uc131\ub3c4\ubfd0\ub9cc \uc544\ub2c8\ub77c \uad00\uacc4\uc758 \uc7ac\uc815\uc801 \uc131\uacfc\ub97c \ud5a5\uc0c1\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n2019\ub144 2\uc6d4 \ubc45\uac00\ub4dc(Vanguard)\uc758 \uc5f0\uad6c\uc5d0\uc11c \ud504\ub79c\uc2dc\uc2a4 M. \ud0a4\ub2c8\ub9ac \uc8fc\ub2c8\uc5b4(Francis M. Kinniry Jr.<\/a> )\uc640 \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc740 \ud589\ub3d9 \ucf54\uce6d\uc774 \uace0\uac1d\uc5d0\uac8c 150bp\uc758 \uac00\uce58\ub97c \ub354\ud55c\ub2e4\ub294 \uc0ac\uc2e4\uc744 \ubc1c\uacac\ud588\uc2b5\ub2c8\ub2e4.\n\ub2e4\ub978 \uc804\ub7b5\uacfc \uacb0\ud569\ud55c \ud589\ub3d9 \ucf54\uce6d\uc740 \uc21c\uc218\uc775\ub960\uc5d0\uc11c \uc57d 3%\uc758 \uc774\uc775\uc744 \uc5bb\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uace0\uc561 \uc21c\uc790\uc0b0 \uc790\uc0b0\uac00\ub294 \ub3c8\uc744 \ud22c\uc790\ud558\uac70\ub098 \uc0ac\uc6a9\ud558\ub294 \ubc29\ubc95\ubfd0\ub9cc \uc544\ub2c8\ub77c \ub2e4\ub978 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc5b4\ub5bb\uac8c \uc778\uc2dd\ub418\ub294\uc9c0\uc640 \uad00\ub828\ub41c \uc5ec\ub7ec \uac00\uc9c0 \uace0\uc720\ud55c \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uac1c\uc778\uc744 \ub450 \uac00\uc9c0 \uce21\uba74\uc5d0\uc11c \uc190\uc2e4\ub85c\ubd80\ud130 \ubcf4\ud638\ud558\uba74 P&C \ubcf4\ud5d8\uc0ac\uc640 \uace0\uc561 \uc21c\uc790\uc0b0 \uace0\uac1d \uac04\uc758 \uad00\uacc4\ub97c \uad6c\ucd95\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

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

\uace0\uc561 \uc21c\uc790\uc0b0\uac00\ub97c \uc704\ud55c \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubc0f \ub370\uc774\ud130 \ubcf4\ud638<\/h2>\n\n

\ube44\uc988\ub2c8\uc2a4 \uc18c\uc720\uc790\ub294 \ube44\uc988\ub2c8\uc2a4\uc640 \uad00\ub828\ud558\uc5ec \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubc0f \ub370\uc774\ud130 \ubcf4\ud638 \uc704\ud5d8\uc744 \uc0dd\uac01\ud560 \uc218 \uc788\uc9c0\ub9cc \uace0\uc561 \uc790\uc0b0\uac00\ub294 \uac1c\uc778 \uc0dd\ud65c\uc5d0\uc11c\ub3c4 \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubcf4\ud638\uc758 \uc774\uc810\uc744 \ub204\ub9b4 \uc218 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc744 \uae68\ub2eb\uc9c0 \ubabb\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

COVID-19 \ud32c\ub370\ubbf9 \uae30\uac04 \ub3d9\uc548 \uadfc\ub85c\uc790\ub4e4\uc774 \uc0ac\ubb34\uc2e4 \uadfc\ubb34\uc5d0\uc11c \uc7ac\ud0dd \uadfc\ubb34\ub85c \uc804\ud658\ud558\uba74\uc11c \uc0ac\uc774\ubc84 \uacf5\uaca9\uc774 \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.\n\uace0\uc561 \uc790\uc0b0\uac00\ub4e4\uc740 \ub2e4\ub978 \uadfc\ub85c\uc790\ub4e4\ubcf4\ub2e4 \ud45c\uc801\uc774 \ub420 \uac00\ub2a5\uc131\uc774 \ub354 \ub192\uc558\ub2e4: \ucc98\ube0c(Chubb)\uc758 \uc5f0\uad6c\uc5d0<\/a> \ub530\ub974\uba74, \uace0\uc561 \uc790\uc0b0\uac00 \uc751\ub2f5\uc790\uc758 \uc57d 10%\uac00 \ud32c\ub370\ubbf9 \uae30\uac04 \ub3d9\uc548 \uc7ac\ud0dd\uadfc\ubb34 \uc911 \uc0ac\uc774\ubc84 \uacf5\uaca9\uc744 \ubc1b\uc558\ub2e4\uace0 \ub2f5\ud55c \ubc18\uba74, \uc804\uccb4 \uc751\ub2f5\uc790\uc758 3%\ub294 \uc0ac\uc774\ubc84 \uacf5\uaca9\uc744 \ubc1b\uc558\ub2e4\uace0 \ub2f5\ud588\ub2e4. <\/p>\n\n

\uc704\ud5d8 \uc790\ubb38 \ud68c\uc0ac\uc778 \uba54\ucf08\uc2a8 \ud504\ub77c\uc774\ube57 \ud074\ub77c\uc774\uc5b8\ud2b8(Mechelsen Private Client)\uc758 \ub300\ub7f0 \ub9e5\uadf8\ub85c(Darren McGraw<\/a>) \uc0ac\uc7a5\uc740 “2\uc6d4 [2020]\uc774\ud6c4 \uac00\uc871\uc5d0 \ub300\ud55c \uacf5\uaca9 \uc2dc\ub3c4 \ub610\ub294 \uc131\uacf5 \uac74\uc218\uac00 \uae09\uc99d\ud588\ub2e4”\uba70 “\uc774\ub294 \uc545\ub2f9\ub4e4\uc774 \uc7ac\ud0dd\uadfc\ubb34\ub97c \ud558\ub294 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc744 \uc54c\uace0 \uc788\uae30 \ub54c\ubb38”\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.\n“\ub9ce\uc740 \ub098\uc05c \uc0ac\ub78c\ub4e4\uc740 \ud648 \ub124\ud2b8\uc6cc\ud06c\uc640 \uac00\uc815 \uc2b5\uad00, \ub514\uc9c0\ud138 \uc0dd\ud65c \ubc29\uc2dd\uc774 \uacf5\uc2dd\uc801\uc778 \uc0ac\ubb34\uc2e4 \uadfc\ubb34 \ud658\uacbd\uc5d0\uc11c\ubcf4\ub2e4 \ub290\uc2a8\ud558\ub2e4\ub294 \uac83\uc744 \uc54c\uace0 \uc788\uc2b5\ub2c8\ub2e4.”\n\uace0\uc561 \uc790\uc0b0\uac00\ub4e4\uc740 \uc885\uc885 \uc5c5\ubb34\uc5d0\uc11c \ub9e4\uc6b0 \uac00\uce58 \uc788\ub294 \ub370\uc774\ud130\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uace0 \uc783\uc744 \uac83\uc774 \ub354 \ub9ce\uae30 \ub54c\ubb38\uc5d0 \ubd88\ubc95 \ud589\uc704\uc758 \uc720\ud639\uc801\uc778 \ud45c\uc801\uc774 \ub429\ub2c8\ub2e4. <\/p>\n\n

\uadf8\ub7ec\ub098 \uc0ac\uc774\ubc84 \uacf5\uaca9\uc758 \uc704\ud5d8\uc740 \uc5ec\uc804\ud788 \ud544\uc694\ud55c \ub9cc\ud07c\uc758 \uc8fc\uc758\ub97c \ub04c\uc9c0 \ubabb\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\nChubb\uc758 \ucd5c\uace0 \ub514\uc9c0\ud138 \ucc45\uc784\uc790 \uacb8 \ucd5c\uace0 \ub9ac\uc2a4\ud06c \ucc45\uc784\uc790\uc778 Sean Ringsted<\/a>\ub294 “\uc751\ub2f5\uc790\uc758 \ub300\ub2e4\uc218\uac00 \uc6d0\uaca9 \uadfc\ubb34 \uc911 \uc0ac\uc774\ubc84 \uacf5\uaca9\uc758 \ub300\uc0c1\uc774 \ub420 \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\ub97c \ubb34\uc2dc\ud558\uace0 \uc788\uc73c\uba70, \uac70\uc758 \uc808\ubc18\uc774 \uac1c\uc778 \uae30\uae30\ub098 \uc774\uba54\uc77c \uacc4\uc815\uc744 \uc0ac\uc6a9\ud558\uc5ec \ube44\uc988\ub2c8\uc2a4\ub97c \uc218\ud589\ud558\uace0 \uc788\ub2e4”\uace0 \ubc1d\ud614\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc801\uc808\ud55c \ubcf4\uc7a5\uc740 \uace0\uc561 \uc790\uc0b0\uac00\uac00 \uc0ac\uc774\ubc84 \uacf5\uaca9\uc73c\ub85c\ubd80\ud130 \ud68c\ubcf5\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\ucee4\ubc84\ub9ac\uc9c0\ub294 \ub370\uc774\ud130 \uce68\ud574\uc640 \uac19\uc740 \uacf5\uaca9\uc758 \ubb3c\uc9c8\uc801 \ube44\uc6a9\ubfd0\ub9cc \uc544\ub2c8\ub77c \uacf5\uaca9\uc774 \ubc1c\uc0dd\ud560 \uacbd\uc6b0 \uc720\uba85 \uc778\uc0ac\uac00 \ud3c9\ud310\uc5d0 \uc785\uc744 \uc218 \uc788\ub294 \uc190\uc0c1\uacfc \uac19\uc740 \ubb38\uc81c\uc5d0 \ucd08\uc810\uc744 \ub9de\ucdb0\uc57c \ud569\ub2c8\ub2e4.\n\uc2e0\uc6d0 \ub3c4\uc6a9\uc758 \uacbd\uc6b0 \ub3c4\ub09c\ub2f9\ud55c \uc815\ubcf4\ub97c \ubcf5\uad6c\ud574\uc57c \ud560 \ud544\uc694\uc131\ub3c4 \ud544\uc218\uc801\uc774\ub77c\uace0 Gulfshore Insurance\uc758 \uace0\uac1d \uace0\ubb38\uc778 Kevin Havemeier<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ubaa8\uac74\uc2a4\ud0e0\ub9ac \uc6f0\uc2a4 \ub9e4\ub2c8\uc9c0\uba3c\ud2b8(Morgan Stanley Wealth Management)\uc758 \ub9e4\ub2c8\uc9d5 \ub514\ub809\ud130 \uc870\uc149 \ud1a8\ub808\ub2e4\ub178(Joseph Toledano<\/a>)\ub294 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc704\ud5d8\uc740 \ube44\uad50\uc801 \uc0c8\ub86d\uace0 \uc804\ub840\uac00 \uc5c6\ub294 \uc77c\uc774\uba70, \ud2b9\ud788 \uace0\uc561 \uc21c\uc790\uc0b0 \uc790\uc0b0\uac00\uc640 \uac00\uc871\uc5d0\uac8c \ud574\ub2f9\ub420 \uc218 \uc788\ub294 \uc0c1\ud669\uc774\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4.\n\uace0\uc561 \uc21c\uc790\uc0b0 \uace0\uac1d\uc744 \uc9c0\uc6d0\ud558\uace0\uc790 \ud558\ub294 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ud544\uc694\ud55c \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud558\ub294 \uac83 \uc678\uc5d0\ub3c4 \uc774\ub7ec\ud55c \uac1c\uc778\uc5d0\uac8c \uc9c1\uba74\ud55c \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc704\ud5d8\uc5d0 \ub300\ud574 \uad50\uc721\ud574\uc57c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

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

\uc790\uc0b0 \uad00\ub9ac \ud30c\ud2b8\ub108\uc2ed \uad6c\ucd95<\/h2>\n\n

\uace0\uc561 \uc21c\uc790\uc0b0 \ubcf4\uc720\uc790\uac00 \uc790\uc0b0\uc744 \uad00\ub9ac\ud558\uace0 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uc774\ub7ec\ud55c \uace0\uac1d\uc5d0\uac8c \ud544\uc218 \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud558\ub294 \uac00\uc7a5 \uc88b\uc740 \ubc29\ubc95 \uc911 \ud558\ub098\ub294 \uc790\uc0b0 \uad00\ub9ac\uc790\uc640 \ud30c\ud2b8\ub108\uc2ed\uc744 \ub9fa\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n

“\ubcf4\ud5d8\uacfc \uc804\ubb38 \uad00\ub9ac \uc11c\ube44\uc2a4\uc758 \uacac\uace0\ud55c \uc870\ud569\uc740 \uc5c5\ubb34\uc640 \uad00\ub828\ub41c \uac83\uc774\ub4e0 \uc5ec\ud589\uacfc \uad00\ub828\ub41c \uac83\uc774\ub4e0 \uc774\ub7ec\ud55c \uc704\ud5d8\uc5d0 [faced by high net worth individuals]\ub300\uc751\ud558\ub294 \ub370 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \uac00\uc7a5 \ucd1d\uccb4\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc785\ub2c8\ub2e4”\ub77c\uace0 Cargill\uc740 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc790\uc0b0 \uad00\ub9ac \uc11c\ube44\uc2a4\ub294 \ud55c \uc9c0\ubd95 \uc544\ub798\uc5d0\uc11c \uace0\uc561 \uc21c\uc790\uc0b0 \uace0\uac1d\uc5d0\uac8c \ub2e4\uc591\ud55c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.\n\uc7ac\uc815 \uc0c1\ub2f4\uc0ac\uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c \uadf8\ub4e4\uc740 \uc7ac\uc815 \uc0c1\ub2f4\uc744 \uc81c\uacf5\ud558\uace0 \uc7ac\uc815 \uc790\ubb38\uc744 \uc81c\uacf5\ud560 \ub54c \uac1d\uad00\uc801\uc778 \uc81c3\uc790 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. <\/p>\n\n

“\ud22c\uc790\uc790\ub4e4\uc774 \uac00\uc9c4 \uac00\uc7a5 \ud070 \ubb38\uc81c\ub294 \uadf8\ub4e4\uc758 \uac10\uc815\uc774 \ubc29\ud574\uac00 \ub41c\ub2e4\ub294 \uac83”\uc774\ub77c\uace0 \uacf5\uc778 \uc7ac\ubb34 \uc124\uacc4\uc0ac\uc778 \ub77c\uc77c\ub77c \ud39c\uc2a4<\/a>\ub294 \ub9d0\ud55c\ub2e4.\n“\uadf8\ub9ac\uace0 \ub2f9\uc2e0\uc774 \uc7ac\uc815 \uc0c1\ub2f4\uc0ac\uc774\ub4e0 \uc790\uc0b0 \uc0c1\ub2f4\uc0ac\uc774\ub4e0 \uac00\uc7a5 \ud070 \uc784\ubb34\ub294 \uc774 \ub9e4\uc6b0, \ub9e4\uc6b0 \ubd88\uc548\uc815\ud55c \uc2dc\uae30\uc5d0 \uace0\uac1d\uc744 \uc548\ub0b4\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.” <\/p>\n\n

COVID-19 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \ubbf8\uad6d\uc778\ub4e4\uc740 \uae08\uc735 \ubc0f \uc790\uc0b0 \uc0c1\ub2f4\uc0ac\uc5d0\uac8c \uc870\uc5b8\uc744 \uad6c\ud558\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.\n2020\ub144 \ucd08\uc5d0 \ubc1c\ud45c\ub41c Nationwide Retirement Institute \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uc804\uccb4 \uc751\ub2f5\uc790\uc758 80%\uc640 \ud22c\uc790\uc790\uc758 85%\uac00 \uc790\uc2e0\uc774 \uc678\ubd80 \uc774\ubca4\ud2b8\uc5d0 \ucde8\uc57d\ud558\ub2e4\uace0 \uc0dd\uac01\ud588\uc2b5\ub2c8\ub2e4. \ub450 \uadf8\ub8f9 \ubaa8\ub450\uc758 \uc57d \uc808\ubc18\uc740 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \uc7ac\ubb34 \uad00\ub9ac \ubc0f \ud22c\uc790 \uacc4\ud68d\uc5d0 \ub300\ud55c \ub3c4\uc6c0\uc758 \ud544\uc694\uc131\uc5d0 \ub300\ud55c \uc778\uc2dd\uc774 \ub192\uc544\uc84c\ub2e4\uace0 \uc774 \ud68c\uc0ac\uc758 \uc218\uc11d \ubd80\uc0ac\uc7a5\uc778 Kristi Rodriguez<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uace0\uac1d \ubc0f \ubcf4\ud5d8 \ud68c\uc0ac\uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc790\uc0b0 \uad00\ub9ac\uc790\ub294 \uae00\ub85c\ubc8c \ud32c\ub370\ubbf9\uc758 \uc5ec\ud30c\ub85c \uc5b4\ub824\uc6c0\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uae09\uaca9\ud55c \uc0b0\uc5c5 \ubcc0\ud654\uc758 \uc2dc\uae30\ub294 \uc190\ud574 \ubcf4\ud5d8\uc0ac\uac00 \ub354 \uac15\ub825\ud55c \uad00\uacc4\ub97c \uad6c\ucd95\ud558\uae30 \uc704\ud574 \uc790\uc0b0 \uad00\ub9ac \ud68c\uc0ac\uc5d0 \uc5f0\ub77d\ud560 \uc218 \uc788\ub294 \uae30\ud68c\uac00 \ub420 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

Morgan Stanley\uc640 Oliver Wyman\uc774 \uc791\uc131\ud55c \uccad\uc11c\uc5d0 \ub530\ub974\uba74, \uc790\uc0b0 \uad00\ub9ac\uc790\ub4e4\uc740 \uace0\uc561 \uc21c\uc790\uc0b0 \uace0\uac1d\uc5d0\uac8c \uc81c\uacf5\ud558\ub294 \uc0c1\ud488\uc5d0 P&C \ubcf4\uc7a5\uc744 \ud3ec\ud568\ud55c \ub2e4\uc591\ud55c \ud615\ud0dc\uc758 \ubcf4\ud5d8\uc744 \ucd94\uac00\ud558\ub77c\ub294 \uc870\uc5b8\uc744 \ubc1b\uc558\uc2b5\ub2c8\ub2e4.\nMorgan Stanley\uc758 Betsy L. Graseck\uacfc<\/a> Oliver Wyman\uc758 Kai Upadek\uc774 \uc774\ub044\ub294 \uc5f0\uad6c\uc6d0\ub4e4\uc740 “\uc6b0\ub9ac\ub294 \ubcf4\ud638 \uc81c\ud488\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc774 ~4%\uc758 \ub9e4\ucd9c \uc0c1\uc2b9\uc744 \uc81c\uacf5\ud558\uace0 \uace0\uac1d \uad00\uacc4\ub97c \ubc29\uc5b4\ud560 \uc218 \uc788\ub2e4\uace0 \ucd94\uc815\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc5f0\uad6c\uc6d0\ub4e4\uc740 \ub610\ud55c \uc790\uc0b0 \uad00\ub9ac\uc790\uac00 \uc0c8\ub85c\uc6b4 \uace0\uc561 \uc21c\uc790\uc0b0 \uace0\uac1d\uc5d0\uac8c \ub3c4\ub2ec\ud558\uace0 \ubcf4\ub2e4 \ud3ec\uad04\uc801\uc778 \uc11c\ube44\uc2a4 \ud328\ud0a4\uc9c0\ub97c \uc81c\uacf5\ud558\uae30 \uc704\ud574 \ub354 \ud070 \uc0dd\ud0dc\uacc4\uc5d0 \ud1b5\ud569\ud558\ub294 \uac83\uc744 \uace0\ub824\ud560 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.\n\ub530\ub77c\uc11c \uc774\ub7ec\ud55c \uc0dd\ud0dc\uacc4\ub97c \uc81c\uacf5\ud558\ub294 \ubcf4\ud5d8\uc0ac\ub294 \ubcf4\ud5d8\uc0ac\uc758 \uc0dd\ud0dc\uacc4 \uc624\ud37c\ub9c1\uc5d0 \uc788\ub294 \uc774\ub7ec\ud55c \uc804\ubb38\uac00\ub97c \ud3ec\ud568\ud558\uc5ec \uc790\uc0b0 \uad00\ub9ac\uc790\uc5d0\uac8c \uc5f0\ub77d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uace0\uc561 \uc21c\uc790\uc0b0\uac00\uc5d0\uac8c \ub2e4\uac00\uac08 \ub54c \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uba87 \uac00\uc9c0 \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uac1c\uc778\uacfc \uac00\uc871\uc758 \uace0\uc720\ud55c \uc694\uad6c \uc0ac\ud56d\uc744 \ud574\uacb0\ud558\ub294 \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc740 \ud544\uc218\uc785\ub2c8\ub2e4.\n\uc0ac\uc774\ubc84 \ubcf4\uc548\uacfc \uac19\uc740 \ubb38\uc81c\uc640 \uc774\ub7ec\ud55c \ubb38\uc81c\uac00 \uace0\uc561 \uc21c\uc790\uc0b0 \ubcf4\uc720 \uac1c\uc778 \ubc0f \uac00\uc871\uc5d0\uac8c \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \uc774\ud574\ud558\ub294 \uac83\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. <\/p>\n\n

\uace0\uc561 \uc21c\uc790\uc0b0 \ubcf4\uc720\uc790\uac00 \ud544\uc694\ub85c \ud558\ub294 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub824\uba74 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uace0\uc561 \uc21c\uc790\uc0b0 \uace0\uac1d\uc758 \uc694\uad6c \uc0ac\ud56d\uc744 \uc774\ud574\ud558\ub294 \ub370 \ud2b9\ud654\ub41c \uc790\uc0b0 \uad00\ub9ac\uc790, \uc790\uc0b0 \uace0\ubb38 \ubc0f \uae30\ud0c0 \uc804\ubb38\uac00\uc640 \ud611\ub825\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\n\uace0\uc561 \uc21c\uc790\uc0b0 \uace0\uac1d\uc744 \uc804\ubb38\uc73c\ub85c \ud558\ub294 \uc790\ubb38\uc0ac \ubc0f \uae30\ud0c0 \uc0ac\ub78c\ub4e4\uc758 \uae30\uc220\uacfc \uc81c\uc548\uc744 \uacb0\ud569\ud558\ub294 \ub370 \uc911\uc810\uc744 \ub454 \uc628\ub77c\uc778 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc740 \uc774\ub7ec\ud55c \uad00\uacc4\ub97c \uac15\ud654\ud558\uace0 \uace0\uc561 \uc21c\uc790\uc0b0 \uac1c\uc778\uacfc \uac00\uc871\uc774 \ud544\uc694\ub85c \ud558\ub294 \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud558\ub294 \ud55c \uac00\uc9c0 \ubc29\ubc95\uc785\ub2c8\ub2e4. <\/p>\n\n

\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: fizkes\/\u00a9123RF.com, gstockstudio\/\u00a9123RF.com, fizkes\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

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