{"id":19942,"date":"2024-09-20T13:28:40","date_gmt":"2024-09-20T18:28:40","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%ec%9d%b4%ec%a0%9c-%eb%b3%b4%ed%97%98-%ec%83%9d%ed%83%9c%ea%b3%84%eb%a5%bc-%ec%88%98%ec%9a%a9%ed%95%b4%ec%95%bc-%ed%95%a0-%eb%95%8c%ec%9e%85%eb%8b%88%eb%8b%a4-%ea%b7%b8-%ec%9d%b4%ec%9c%a0%eb%8a%94\/"},"modified":"2024-09-20T13:28:43","modified_gmt":"2024-09-20T18:28:43","slug":"%ec%9d%b4%ec%a0%9c-%eb%b3%b4%ed%97%98-%ec%83%9d%ed%83%9c%ea%b3%84%eb%a5%bc-%ec%88%98%ec%9a%a9%ed%95%b4%ec%95%bc-%ed%95%a0-%eb%95%8c%ec%9e%85%eb%8b%88%eb%8b%a4-%ea%b7%b8-%ec%9d%b4%ec%9c%a0%eb%8a%94","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%ec%9d%b4%ec%a0%9c-%eb%b3%b4%ed%97%98-%ec%83%9d%ed%83%9c%ea%b3%84%eb%a5%bc-%ec%88%98%ec%9a%a9%ed%95%b4%ec%95%bc-%ed%95%a0-%eb%95%8c%ec%9e%85%eb%8b%88%eb%8b%a4-%ea%b7%b8-%ec%9d%b4%ec%9c%a0%eb%8a%94\/","title":{"rendered":"\uc774\uc81c \ubcf4\ud5d8 \uc0dd\ud0dc\uacc4\ub97c \uc218\uc6a9\ud574\uc57c \ud560 \ub54c\uc785\ub2c8\ub2e4.\n\uadf8 \uc774\uc720\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4."},"content":{"rendered":"\n

\uc0dd\uc0b0\uc131\uacfc \ub9e4\ucd9c \uc131\uc7a5\uc740 \ubcf4\ud5d8 \uc5c5\uacc4\uc758 \uc2dc\uae09\ud55c \uacfc\uc81c\uc785\ub2c8\ub2e4.\n\ub9ce\uc740 \uc6b4\uc1a1\uc5c5\uccb4\ub4e4\uc774 \ub354 \uc774\uc0c1 \uc790\ubcf8 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uc9c0 \ubabb\ud558\uace0 \uc788\uc73c\uba70, “\uc5c5\uacc4 \uc804\uccb4\uac00 \ud3c9\uade0\uc801\uc778 \uacbd\uc81c\uc801 \uc774\uc724\uc5d0 \uc801\uc790\ub97c \uae30\ub85d\ud558\uace0 \uc788\ub2e4”\uace0 \ubca0\ub978\ud558\ub974\ud2b8 \ucf54\ud0d5\ucf54(Bernhard Kotanko<\/a> )\uc640 \ub9e5\ud0a8\uc9c0(McKinsey)\uc758 \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc740 \uae30\uc220\ud55c\ub2e4. <\/p>\n\n

\uae30\uc874 \ub300\ud615 \uc6b4\uc1a1\uc5c5\uccb4\uc640 \ub2e4\ub978 \uc190\ud574\ubcf4\ud5d8\uc0ac \uac04\uc758 \ub9e4\ucd9c \ubc0f \uc774\uc775 \uaca9\ucc28\ub294 \uadf9\uba85\ud569\ub2c8\ub2e4.\n\ub2e4\ub978 \uc0b0\uc5c5\uc740 \uae30\uc220 \ub355\ubd84\uc5d0 \uc9c0\ub09c 10\ub144 \ub3d9\uc548 \uc0dd\uc0b0\uc131\uc5d0 \ud601\uba85\uc744 \uc77c\uc73c\ucf30\uc9c0\ub9cc \ubcf4\ud5d8\uc740 \uadf8\ub807\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uadf8\ub7ec\ub098 \uc0dd\ud0dc\uacc4\ub294 P&C \ubcf4\ud5d8\uc758 \ud310\ub3c4\ub97c \ubc14\uafc0 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ubcf4\ud5d8 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc740<\/a> \uace0\uac1d \uacbd\ud5d8\uc744 \uac1c\uc120\ud558\uc5ec \uace0\uac1d \ucda9\uc131\ub3c4\ub97c \ub192\uc774\uace0 \ubcf4\ud5d8\uc0ac\uc758 \ube44\uc988\ub2c8\uc2a4 \uc720\uc9c0\uc728\uc744 \ub192\uc77c \uc218 \uc788\ub294 \uac00\ub2a5\uc131\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.\n\ub610\ud55c \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uace0\uac1d\uc758 \uad00\uc2ec\uc0ac, \ud589\ub3d9 \ubc0f \uad6c\ub9e4\uc5d0 \ub300\ud55c \uad00\ub828\uc131\uc774 \ub192\uc740 \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud558\uace0 \ubd84\uc11d\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8 \uc0dd\ud0dc\uacc4\ub780 \ubb34\uc5c7\uc778\uac00\uc694?<\/h2>\n\n

McKinsey\uc758 Johannes-Tobias Lorenz, Ulrike Deetjen \ubc0f Jasper van Ouwerkerk<\/a> \ub294 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc744 “\ud558\ub098\uc758 \ud1b5\ud569\ub41c \uacbd\ud5d8\uc5d0\uc11c \uc0c1\ud638 \uc5f0\uacb0\ub41c \uc11c\ube44\uc2a4 \uc138\ud2b8”\ub77c\uace0 \uc37c\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc77c\ubc18\uc801\uc73c\ub85c \ub2e8\uc77c \uacf5\uc720 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc6b4\uc601\ub418\ub294 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc740 \uace0\uac1d\uc758 \uad00\uc810\uc744 \ucd5c\uc6b0\uc120\uc73c\ub85c \ud569\ub2c8\ub2e4.\n\ubcf4\ud5d8 \uc0dd\ud0dc\uacc4\ub294 “\uace0\uac1d\uc774 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \ubcf4\uc7a5\uc744 \ucc3e\uc744 \ub54c \ub3d9\uc2dc\uc5d0 \uc5b4\ub5a4 \ub2e4\ub978 \uc694\uad6c \uc0ac\ud56d\uc774 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\uae4c?”\n\uadf8\ub7f0 \ub2e4\uc74c \ubcf4\ud5d8\uc0ac\ub294 \ud574\ub2f9 \uc694\uad6c \uc0ac\ud56d\uacfc \uad00\ub828\ub41c \uc81c\ud488\uc774\ub098 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \ud68c\uc0ac\uc5d0 \uc5f0\ub77d\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc608\ub97c \ub4e4\uc5b4, P&C \uc81c\uacf5\uc5c5\uccb4\uac00 \uc790\uccb4 \uc8fc\ud0dd \uc18c\uc720\uc790 \ubcf4\ud5d8 \uc0c1\ud488\uc744 \uc911\uc2ec\uc73c\ub85c \uc0dd\ud0dc\uacc4\ub97c \uad6c\ucd95\ud558\ub824\uace0 \ud55c\ub2e4\uace0 \uc0c1\uc0c1\ud574 \ubcf4\uc2ed\uc2dc\uc624.\n\uc8fc\ud0dd \uc18c\uc720\uc790 \ubcf4\ud5d8\uc744 \ucc3e\ub294 \uace0\uac1d\uc740 \ucd5c\uadfc\uc5d0 \uc8fc\ud0dd\uc744 \uad6c\uc785\ud588\uac70\ub098 \ub354 \ub9ce\uc740 \uac00\uce58\ub97c \uc2e4\ud604\ud558\uae30 \uc704\ud574 \uc815\ucc45\uc744 \uc804\ud658\ud558\ub294 \ub370 \uad00\uc2ec\uc774 \uc788\uc744 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uace0\uac1d\uc758 \uad00\uc810\uc5d0\uc11c \ubcfc \ub54c, \uc5ec\uc815\uc740 \ub2e8\uc21c\ud788 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4.\n\uadf8\uac83\uc740 \uadf8\ub4e4\uc758 \uc9d1\uc744 \ubcf4\ud638\ud558\ub294 \uac83\uc5d0 \uad00\ud55c \uac83\uc785\ub2c8\ub2e4.\n“\uc8fc\ud0dd \uc18c\uc720\uc790\uac00 \uc9d1\uc744 \ubcf4\ud638\ud558\uae30 \uc704\ud574 \ub610 \ubb34\uc5c7\uc774 \ud544\uc694\ud55c\uac00?”\ub77c\ub294 \uc9c8\ubb38\uc5d0 \ub2f5\ud558\uae30 \uc704\ud574 \uad6c\ucd95\ub41c \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc5d0\ub294 \uc774 \uc9c8\ubb38\uc5d0 \ub2f5\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\ub294 \ud30c\ud2b8\ub108\uc2ed\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.\n\uc8fc\ud0dd \uc18c\uc720\uc790 \ubcf4\ud5d8\uc740 \ud2b9\uc815 \uc0dd\ud0dc\uacc4 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \uc561\uc138\uc2a4\ud560 \uc218 \uc788\uc9c0\ub9cc \uc2a4\ub9c8\ud2b8 \uc628\ub3c4 \uc870\uc808\uae30 \uc124\uce58, \ub77c\ub3c8 \ud14c\uc2a4\ud2b8 \ub610\ub294 \ub098\ubb34 \uc81c\uac70\uc640 \uac19\uc740 \uc11c\ube44\uc2a4\ub3c4 \uc561\uc138\uc2a4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc740 \ud2b9\uc815 \uc21c\uac04\uc5d0 \uace0\uac1d\uc758 \uc694\uad6c\ub97c \uc608\uce21\ud558\uace0 \ucda9\uc871\ud558\ub294 \uc6d0\uc2a4\ud1b1 \uc0c1\uc810\uc774 \ub429\ub2c8\ub2e4. <\/p>\n\n

\uc0dd\ud0dc\uacc4\uc640 \uc704\ud5d8\uc5d0 \ub300\ud55c \ub300\uc751<\/h3>\n\n

\uc0dd\ud0dc\uacc4 \ubaa8\ub378\uc774 \ubd80\uc0c1\ud558\uae30 \uc2dc\uc791\ud558\uba74\uc11c \uc77c\ubd80 \uc5f0\uad6c\uc790\ub4e4\uc740 \uac70\uc758 \ubaa8\ub4e0 \uc0b0\uc5c5\uc5d0\uc11c \ube44\uc988\ub2c8\uc2a4\uc5d0 \ud601\uba85\uc744 \uc77c\uc73c\ud0ac \uac83\uc774\ub77c\uace0 \uc608\uce21\ud588\uc2b5\ub2c8\ub2e4.\n2018\ub144 1\uc6d4 \ub9e5\ud0a8\uc9c0(McKinsey) \uae30\uc0ac\uc5d0\uc11c \ud0d5\uac00\uc774 \uce90\ud2c0\ub9b0(Tanguy Catlin<\/a> )\uacfc \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc740 \uc0dd\ud0dc\uacc4\uac00 2025\ub144\uae4c\uc9c0 \uc804 \uc138\uacc4 \ub9e4\ucd9c\uc758 30%\ub97c \ucc28\uc9c0\ud560 \uac83\uc73c\ub85c \ucd94\uc815\ud588\ub2e4.\nCOVID-19\uc640 \uadf8\ub85c \uc778\ud55c \ube44\uc988\ub2c8\uc2a4 \ubc0f \uc18c\ube44\uc790 \uac70\ub798\ub97c \uc628\ub77c\uc778\uc73c\ub85c \uc804\ud658\ud574\uc57c \ud55c\ub2e4\ub294 \uc555\ubc15\uc73c\ub85c \uc778\ud574 \uc774\ub7ec\ud55c \uc77c\uc815\uc774 \uac00\uc18d\ud654\ub418\uc5c8\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub514\uc9c0\ud138 \ubc30\ud3ec\ub97c \uc77c\ucc0d\uc774 \uc218\uc6a9\ud55c \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc77c\uc0c1 \uc0dd\ud65c\uc5d0 \ub300\ud55c \uc804\ub840 \uc5c6\ub294 \ud63c\ub780\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc9c0\uae08 \uc774\uc810\uc744 \uacbd\ud5d8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\ucf54\ub85c\ub09819\uac00 \uc804 \uc138\uacc4 \uc0b0\uc5c5\uc744 \ub4a4\ud754\ub4e4\uba74\uc11c \uc2e0\ud765 \uae30\uc220\uc744 \ub3c4\uc785\ud55c \ubcf4\ud5d8 \ud68c\uc0ac\ub4e4\uc740 \uc608\uc0c1\ubcf4\ub2e4 \ub354 \uc798 \ud3ed\ud48d\uc6b0\ub97c \uacac\ub38c\ub0c8\ub2e4\uace0 Insurance Solutions Group\uc758 \ub9e4\ub2c8\uc9d5 \ud30c\ud2b8\ub108\uc778 Stephen Applebaum<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc774\uc81c \ubcf4\ud5d8\uc0ac\uc640 \ub2e4\ub978 \ud68c\uc0ac\ub4e4\uc740 \uc5d0\ucf54\uc2dc\uc2a4\ud15c \ubaa8\ub378\uc744 \ube60\ub974\uac8c \uc218\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\ub514\uc9c0\ud138 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud574 \uae30\uc5c5\uc740 \uace0\uac1d\uc5d0\uac8c \uc5b4\ud544\ud560 \uc218 \uc788\ub294 \ud30c\ud2b8\ub108\uc2ed\uacfc \ucee4\ubba4\ub2c8\ud2f0\ub97c \uad6c\ucd95\ud558\ub294 \ub3d9\uc2dc\uc5d0 \ube44\uc988\ub2c8\uc2a4 \ub178\ub825\uc5d0 \ub300\ud55c \uc0c1\ud638 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

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

\uc0dd\ud0dc\uacc4 \uc2dc\ub300\ub85c\uc758 \uc9c4\uc785<\/h2>\n\n

\ud604\uc7ac \uc0b0\uc5c5\uc73c\ub85c\uc11c\uc758 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8\uc5d0 \ub300\ud55c \uc608\uce21\uc740 \ub054\ucc0d\ud569\ub2c8\ub2e4.<\/p>\n\n

“P&C \uc0b0\uc5c5\uc740 \uc790\ub3d9\ucc28\uc5d0\uc11c \ud1b5\uc2e0, \uc740\ud589\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uc5ec\ub7ec \ubd80\ubb38\uc5d0\uc11c \ucd1d \uc0dd\uc0b0\uc131\uc5d0\uc11c \uc55e\uc9c0\ub974\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud540\ud14c\ud06c \ubc0f \ub514\uc9c0\ud138 \uc720\ud1b5 \ubd84\uc57c\uc758 \ud604\uc7ac \ubc0f \uc0c8\ub85c\uc6b4 \ubc1c\uc804\uc5d0 \uc9c1\uba74\ud558\uc5ec P&C \uc0b0\uc5c5\uc758 \uae30\uc874 \uc6b4\uc601 \ubaa8\ub378\uc740 \ub3c4\uc804\uc5d0 \uc9c1\uba74\ud574 \uc788\uc73c\uba70 \uacbd\uc81c\uc801 \ud0c0\ub2f9\uc131\uc744 \uc783\uc744 \uc704\ud5d8\uc774 \uc788\uc2b5\ub2c8\ub2e4”\ub77c\uace0 Sylvain Johansson<\/a> \uacfc \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc740 2020\ub144 4\uc6d4 McKinsey \ubcf4\uace0\uc11c\uc5d0\uc11c \uc37c\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uad00\ub828\uc131\uc744 \uc720\uc9c0\ud558\ub824\uba74 P&C \ubcf4\ud5d8\uc0ac\uac00 \uc720\ud1b5\uc5d0 \ub300\ud55c \uc811\uadfc \ubc29\uc2dd\uc744 \ubc14\uafd4\uc57c \ud569\ub2c8\ub2e4.\n\uc5d0\ucf54\uc2dc\uc2a4\ud15c \ubaa8\ub378\uc740 \ubc14\ub85c \uc774\ub97c \uc218\ud589\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc785\ub2c8\ub2e4. <\/p>\n\n

\uc0dd\ud0dc\uacc4\ub294 \ubcf4\ud5d8\uc0ac\uc5d0 \uc5ec\ub7ec \uac00\uc9c0 \uc774\uc810\uc744 \uc81c\uacf5\ud55c\ub2e4\uace0 Gen Re Asia\uc758 \uc0dd\uba85\/\uac74\uac15 \ucc45\uc784\uc790\uc778 Tuan Miang Chua<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\uc5ec\uae30\uc5d0\ub294 \ubcf4\ud5d8 \uc801\uc6a9\uc774 \ud544\uc694\ud55c \uace0\uac1d\uc5d0\uac8c \ub3c4\ub2ec\ud558\uace0 \uace0\uac1d\uc758 \uc694\uad6c \uc0ac\ud56d\uacfc \uc2b5\uad00\uc5d0 \ub300\ud55c \uadc0\uc911\ud55c \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud558\ub294 \uac83\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.\n\ub370\uc774\ud130\ub97c \uc0ac\uc6a9\ud558\uc5ec \ube5b\uc758 \uc18d\ub3c4\ub85c \uc0c8\ub85c\uc6b4 \uc81c\ud488\uacfc \uc11c\ube44\uc2a4\ub97c \uac1c\ubc1c\ud558\uace0 \ucd9c\uc2dc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

“\ubcf8\uc9c8\uc801\uc73c\ub85c \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc740 \ub354 \ub0ae\uc740 \ube44\uc6a9\uc73c\ub85c \uace0\uac1d\uc5d0\uac8c \uc811\uadfc\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud558\uace0 \uace0\uac1d \ucda9\uc131\ub3c4\ub97c \uc720\uc9c0\ud560 \uc218 \uc788\ub294 \ub354 \uad11\ubc94\uc704\ud55c \uc81c\ud488 \uc81c\uc548\uc744 \uac1c\ubc1c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4”\ub77c\uace0 Chua\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc9c0\uae08\uc774\uc57c\ub9d0\ub85c \uc5d0\ucf54\uc2dc\uc2a4\ud15c \uc811\uadfc \ubc29\uc2dd\uc774 \ud544\uc694\ud55c \ub54c\uc785\ub2c8\ub2e4.<\/h3>\n\n

\uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud574 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ubcc0\ud654\ub97c \ub354 \uc27d\uac8c \uc218\uc6a9\ud560 \uc218 \uc788\uc73c\uba70, \ubcc0\ud654\ub294 \ubcf4\ud5d8\uc0ac\uc5d0\uac8c \uc720\uc77c\ud55c \uc0c1\uc218\uc778 \uac83\uc774 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc0c8\ub85c\uc6b4 \uc81c\uacf5\uc5c5\uccb4\uc640\uc758 \uacbd\uc7c1, \uc0c8\ub85c\uc6b4 \uc720\ud1b5 \ubc0f \ubcf4\uc7a5 \ubaa8\ub378\uc5d0 \ub300\ud55c \uace0\uac1d\uc758 \uc694\uad6c, \uc8fc\uc694 \uc704\uae30\uc5d0 \ub530\ub978 \uac00\uaca9 \ubcc0\ub3d9\uc740 \ubaa8\ub450 P&C \ubcf4\ud5d8\uc0ac\uc758 \uc704\ud5d8\uc744 \ub192\uc785\ub2c8\ub2e4.\n\uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc740 \uace0\uac1d \uc911\uc2ec\uc758 \ubc29\uc2dd\uc73c\ub85c \uc774\ub7ec\ud55c \ubaa8\ub4e0 \uc555\ub825\uc5d0 \ub300\uc751\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. <\/p>\n\n

\uce90\ub9ac\uc5b4 \ub9e4\ub2c8\uc9c0\uba3c\ud2b8(Carrier Management)\uc758 \ub9e5\ud0a8\uc9c0(McKinsey) \ud30c\ud2b8\ub108 \uc5d0\ub974\uc644 \ubbf8\uc178 \ucf00\ub974\uc794(Erwann Michel-Kerjan<\/a> )\uc740 “\uc5d0\ucf54\uc2dc\uc2a4\ud15c \uc911\uc2ec\uc758 \uc6b4\uc601 \ubaa8\ub378\uc740 \uc804\ud1b5\uc801\uc778 \uc9c0\ub9ac\uc801 \uacbd\uacc4\uac00 \uc0ac\ub77c\uc9c0\uace0 \ub354 \ub9ce\uc740 \uace0\uac1d, \uc5d0\uc774\uc804\ud2b8 \ubc0f \ubcf4\ud5d8\uc0ac\uac00 \ube44\uc988\ub2c8\uc2a4\ub97c \uc218\ud589\ud558\uae30 \uc704\ud574 \ub514\uc9c0\ud138 \ucc44\ub110\uc5d0 \uc758\uc874\ud568\uc5d0 \ub530\ub77c, \ud2b9\ud788 \ub300\uba74 \ud68c\uc758\uac00 \uc5c6\uc744 \ub54c \ub354\uc6b1 \uc911\uc694\ud574\uc9c8 \uac83”\uc774\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc2e4\uc81c\ub85c COVID-19 \uc2dc\ub300\uc5d0\ub294 \ub2e8 \ud55c \ubc88\uc758 \ub300\uba74 \ud68c\uc758\uc870\ucc28\ub3c4 \ud68c\uc758 \ucc38\uac00\uc790\uc5d0\uac8c \uc0c8\ub85c\uc6b4 \ucc28\uc6d0\uc758 \uc704\ud5d8\uc744 \ucd08\ub798\ud569\ub2c8\ub2e4.\n\ud30c\ud2b8\ub108\uc2ed\uc744 \uad6c\ucd95\ud558\ub824\ub294 \ubcf4\ud5d8 \uc804\ubb38\uac00 \ub610\ub294 \uc0c8 \uc9d1\uc774\ub098 \uc790\ub3d9\ucc28\uc5d0 \ub300\ud55c \ub2e4\uc591\ud55c \uc11c\ube44\uc2a4\uac00 \ud544\uc694\ud55c \uace0\uac1d\uc744 \uc704\ud574 \uc5ec\ub7ec \ud68c\uc758\uac00 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\ub514\uc9c0\ud138 \uc5d0\ucf54\uc2dc\uc2a4\ud15c \ud50c\ub7ab\ud3fc\uc744 \uc0ac\uc6a9\ud558\uba74 \uc774\ub7ec\ud55c \uc5f0\uacb0\uc744 \uc6d0\uaca9\uc73c\ub85c \uc218\ud589\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \ucc38\uac00\uc790\uc758 \uac74\uac15\uacfc \uc548\uc804\uc744 \ubcf4\ud638\ud558\ub294 \ub3d9\uc2dc\uc5d0 \ub354\uc6b1 \uac15\ub825\ud55c \uc804\ubb38\uc801 \uc5f0\uacb0\uc744 \ucd09\uc9c4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

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

\uc0b0\uc5c5 \uc131\uc7a5\uc744 \uc704\ud55c \uc5d0\ucf54\uc2dc\uc2a4\ud15c \uc218\uc6a9<\/h2>\n\n

“\uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc740 \ubcf4\ud5d8\uc0ac\uc5d0 \uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0\uc744 \uc5f4\uc5b4\uc904 \uc218 \uc788\ub294 \uc7a0\uc7ac\ub825\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4”\ub77c\uace0 Lorenz, Deetjen \ubc0f van Ouwerkerk\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uc218\uc775\uc758 \uc77c\ubd80\ub294 \ube44\ubcf4\ud5d8\uc0ac \ud30c\ud2b8\ub108\uc2ed\uc744 \ud1b5\ud574 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc9c0\ub9cc, \ub300\ubd80\ubd84\uc740 \ubcf4\ud5d8 \uc720\ud1b5 \ube44\uc988\ub2c8\uc2a4 \uc790\uccb4\uc5d0 \ub300\ud55c \uc0dd\ud0dc\uacc4 \ubaa8\ub378\uc758 \ud6a8\uacfc\uc5d0\uc11c \ubc1c\uc0dd\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc608\ub97c \ub4e4\uc5b4, \uace0\uac1d\uc774 \ub2e4\uc591\ud55c \uc5d0\ucf54\uc2dc\uc2a4\ud15c \ud30c\ud2b8\ub108\ub97c \uc774\uc6a9\ud558\uba74\uc11c \uc5ec\ub7ec \uc811\uc810\uc5d0\uc11c \uace0\uac1d\uc5d0\uac8c \ub2e4\uac00\uac08 \uc218 \uc788\ub294 \uae30\ud68c\ub294 \uc218\uc775\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uace0\uac1d \uc120\ud638\ub3c4 \ubc0f \ud65c\ub3d9\uc5d0 \ub300\ud55c \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud558\ub294 \uae30\ub2a5\uc740 \ubcf4\ud5d8\uc0ac\uac00 \uace0\uac1d \uc774\ud0c8\uc744 \uc608\uce21\ud558\uace0 \uac00\uaca9\uc744 \uac1c\uc120\ud558\uac70\ub098 \uc0ac\uae30\ub97c \uac10\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub514\uc9c0\ud138 \uc5d0\ucf54\uc2dc\uc2a4\ud15c \uc804\ub7b5 \uad6c\ucd95<\/h3>\n\n

\ube44\uc988\ub2c8\uc2a4 \ud30c\ud2b8\ub108\uc2ed\uc758 \uac1c\ub150\uc740 \uc0c8\ub85c\uc6b4 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4.\n\ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uacfc\uac70\uc5d0 \ud30c\ud2b8\ub108\uc2ed\uc744 \ub9fa\uc5c8\uc9c0\ub9cc \uc774\ub7ec\ud55c \ud30c\ud2b8\ub108\uc2ed\uc740 \ubcf4\ud5d8\uc0ac\uc758 \ud575\uc2ec \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uc9c0 \uc54a\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc558\uc2b5\ub2c8\ub2e4.\n\uc624\ud788\ub824, \uadf8\uac83\ub4e4\uc740 \ud558\ub098\uc758 \ud2b9\uc815 \ud504\ub85c\uc81d\ud2b8\ub098 \ubaa9\ud45c\ub97c \ucd09\uc9c4\ud558\uae30 \uc704\ud55c \ubd80\uc218\uc801\uc778 \uc870\uce58\uc600\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc5d0\ucf54\uc2dc\uc2a4\ud15c \ud30c\ud2b8\ub108\uc2ed\uc740 \ub2e4\ub974\uac8c \uc6b4\uc601\ub429\ub2c8\ub2e4.\n\uc5d0\ucf54\uc2dc\uc2a4\ud15c \ud30c\ud2b8\ub108\uc2ed\uc774 \uc131\uacf5\ud558\uae30 \uc704\ud574\uc11c\ub294 P&C \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc720\ud1b5\uc5d0 \ub300\ud55c \uc804\uccb4 \uc811\uadfc \ubc29\uc2dd\uc744 \uc7ac\uace0\ud574\uc57c \ud569\ub2c8\ub2e4.\n\uc0c8\ub85c\uc6b4 \uc811\uadfc \ubc29\uc2dd\uc740 \ubcf4\ud5d8\uc758 \ub514\uc9c0\ud138 \ubc30\ud3ec\uc640 \uad00\ub828\ub41c \uace0\uc720\ud55c \uacfc\uc81c\ubfd0\ub9cc \uc544\ub2c8\ub77c \ube44\ubcf4\ud5d8 \ud30c\ud2b8\ub108\uac00 \ubcf4\ud5d8\uc0ac\uc758 \ub514\uc9c0\ud138 \uc5d0\ucf54\uc2dc\uc2a4\ud15c \ud50c\ub7ab\ud3fc \ub0b4\uc5d0\uc11c \uc18c\ud1b5\ud558\uace0 \uc6b4\uc601\ud574\uc57c \ud558\ub294 \ubc29\uc2dd\uc744 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. <\/p>\n\n

\uc6b0\uc120, P&C \ubcf4\ud5d8\uc0ac\ub294 \uace0\uac1d\uc758 \uad00\uc810\uc5d0\uc11c \ubcf4\ud5d8 \uacbd\ud5d8\uc744 \uc0b4\ud3b4\ubd10\uc57c \ud569\ub2c8\ub2e4.\n\uc804\ud1b5\uc801\uc73c\ub85c \ubcf4\ud5d8\uc0ac \ubc0f \uae30\ud0c0 \ube44\uc988\ub2c8\uc2a4\ub294 \uace0\uac1d\uacfc \ube44\uc988\ub2c8\uc2a4\uac00 \uc2e4\uc81c\ub85c \uc0c1\ud638 \uc791\uc6a9\ud558\ub294 \uc811\uc810\uc5d0\uc11c \uc790\uccb4 \uc131\uacfc\ub97c \uc870\uc0ac\ud574 \uc654\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uadf8\ub7ec\ub098 \uace0\uac1d \uad00\uacc4\ub97c \uc774\ud574\ud558\ub294 \ud130\uce58\ud3ec\uc778\ud2b8 \ubc29\ubc95\uc740 \ub108\ubb34 \ub9ce\uc740 \uc815\ubcf4\ub97c \ub0a8\uaca8\ub450\uae30 \ub54c\ubb38\uc5d0 \ub514\uc9c0\ud138 \uc5d0\ucf54\uc2dc\uc2a4\ud15c \ubaa8\ub378\ub85c \uc798 \ubcc0\ud658\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\nMcKinsey\uc758 Nicolas Maechler, Keven Neher \ubc0f Robert Park<\/a> \uc740 “\uc804\uccb4 \uc5ec\uc815\uc5d0\uc11c \uace0\uac1d\uc758 \uacbd\ud5d8\uc744 \uc9c1\uc811 \uad00\ucc30\ud574\uc57c\ub9cc \uc131\uacfc\ub97c \uc758\ubbf8 \uc788\uac8c \uac1c\uc120\ud558\ub294 \ubc29\ubc95\uc744 \uc9c4\uc815\uc73c\ub85c \uc774\ud574\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4”\ub77c\uace0 \uc37c\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub2e4\ud589\ud788\ub3c4 \uc2e4\uc801 \uac1c\uc120\uc740 2020\ub144\ub300\uc640 \uadf8 \uc774\ud6c4\uc5d0 \ubcf4\ud5d8 \ud68c\uc0ac\uc5d0 \uc0c1\ub2f9\ud55c \uc774\uc810\uc744 \uc81c\uacf5\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n

\ub354 \ubc1d\uc740 \ubbf8\ub798\ub97c \uc704\ud55c \ud611\uc5c5<\/h3>\n\n

\uc0c8\ub85c\uc6b4 \ub514\uc9c0\ud138 \ubc30\ud3ec \ubc29\uc2dd\uc744 \uc218\uc6a9\ud558\uc9c0 \uc54a\ub294 \ubcf4\ud5d8\uc0ac\ub294 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n2019\ub144 \uc561\uc13c\uce04\uc5b4(Accenture)\uc758 \ud55c \ubcf4\uace0\uc11c\uc5d0\uc11c\ub294 \ub514\uc9c0\ud138 \ubcc0\ud654\uc5d0 \ub300\ud55c \ub300\uc751\uc774 \ub2a6\uc5b4\uc9c0\ub294 \ubcf4\ud5d8 \uc870\uc9c1\uc774 “\ud5a5\ud6c4 5\ub144 \ub3d9\uc548 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \ucd1d 1,980\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud558\ub294 \uc2dc\uc7a5 \uc810\uc720\uc728 \uc7a0\uc2dd\uc744 \uacaa\uc744 \uc218 \uc788\ub2e4“\uace0 \uc608\uce21\ud569\ub2c8\ub2e4.<\/a> <\/p>\n\n

\uc2e4\uc801 \ubd80\uc9c4\uc744 \uba74\uce58 \ubabb\ud558\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ucd1d 1,770\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud558\ub294 \uc0c8\ub85c\uc6b4 \uc131\uc7a5 \uae30\ud68c\ub97c \uc783\uc744 \uc218\ub3c4 \uc788\ub2e4\uace0 Presutti\ub294 \uc9c0\uc801\ud569\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uae30\ud68c \uc911 \ub2e4\uc218\ub294 \ubcf4\ud5d8\uc0ac\uc758 \uc131\uc7a5\uc744 \ub4b7\ubc1b\uce68\ud558\ub294 \ube44\uc988\ub2c8\uc2a4\ub97c \uc6b4\uc601\ud558\ub294 \uace0\uac1d\uc774 \uc0c8\ub85c\uc6b4 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \ubcf4\uc7a5\uc744 \ucc3e\uc74c\uc5d0 \ub530\ub77c \ub514\uc9c0\ud138 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc73c\ub85c \uc774\uc804\ub420 \uac83\uc785\ub2c8\ub2e4. <\/p>\n\n

\uad00\ub828 \ube44\ubcf4\ud5d8 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \ud68c\uc0ac\uc640 \ud30c\ud2b8\ub108\uc2ed\uc744 \ub9fa\uace0 \ub3d9\uc77c\ud55c \ud50c\ub7ab\ud3fc\uc5d0\uc11c \ubaa8\ub4e0 \ud30c\ud2b8\ub108\uc758 \uc11c\ube44\uc2a4\ub97c \uace0\uac1d\uc774 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ud568\uc73c\ub85c\uc368 P&C \ubcf4\ud5d8\uc0ac\ub294 \uc790\uccb4 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\ub610\ud55c \ubcf4\ud5d8\uc0ac\ub294 \uc774\ub7ec\ud55c \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc744 \uace0\uac1d\uc758 \uc694\uad6c\uc5d0 \ub9de\uac8c \uc870\uc815\ud558\uc5ec \ub354 \uac15\ub825\ud55c \uad00\uacc4\ub97c \uad6c\ucd95\ud558\uace0 \ucda9\uc131\ub3c4\ub97c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: goodluz\/\u00a9123RF.com, Sumetee Theesungnern\/\u00a9123RF.com, Andriy Popov\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\uc0dd\uc0b0\uc131\uacfc \ub9e4\ucd9c \uc131\uc7a5\uc740 \ubcf4\ud5d8 \uc5c5\uacc4\uc758 \uc2dc\uae09\ud55c \uacfc\uc81c\uc785\ub2c8\ub2e4. \ub9ce\uc740 \uc6b4\uc1a1\uc5c5\uccb4\ub4e4\uc774 \ub354 \uc774\uc0c1 \uc790\ubcf8 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uc9c0 \ubabb\ud558\uace0 \uc788\uc73c\uba70, “\uc5c5\uacc4 \uc804\uccb4\uac00 \ud3c9\uade0\uc801\uc778 \uacbd\uc81c\uc801 \uc774\uc724\uc5d0 \uc801\uc790\ub97c \uae30\ub85d\ud558\uace0 \uc788\ub2e4”\uace0 \ubca0\ub978\ud558\ub974\ud2b8 \ucf54\ud0d5\ucf54(Bernhard Kotanko )\uc640 \ub9e5\ud0a8\uc9c0(McKinsey)\uc758 \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc740 \uae30\uc220\ud55c\ub2e4. \uae30\uc874 \ub300\ud615 \uc6b4\uc1a1\uc5c5\uccb4\uc640 \ub2e4\ub978 \uc190\ud574\ubcf4\ud5d8\uc0ac \uac04\uc758 \ub9e4\ucd9c \ubc0f \uc774\uc775 \uaca9\ucc28\ub294 \uadf9\uba85\ud569\ub2c8\ub2e4. \ub2e4\ub978 \uc0b0\uc5c5\uc740 \uae30\uc220 \ub355\ubd84\uc5d0 \uc9c0\ub09c 10\ub144 \ub3d9\uc548 \uc0dd\uc0b0\uc131\uc5d0 \ud601\uba85\uc744 \uc77c\uc73c\ucf30\uc9c0\ub9cc \ubcf4\ud5d8\uc740 \uadf8\ub807\uc9c0 […]<\/p>\n","protected":false},"featured_media":8904,"template":"","insight-category":[],"class_list":["post-19942","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/19942","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media\/8904"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=19942"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=19942"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}