{"id":20611,"date":"2024-09-27T11:04:54","date_gmt":"2024-09-27T16:04:54","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%eb%94%94%ec%a7%80%ed%84%b8-%eb%b3%b4%ed%97%98-%eb%8f%84%ea%b5%ac%ea%b0%80-%ea%b1%b4%ec%84%a4%ec%9d%98-%ea%b0%80%ec%9e%a5-%ed%81%b0-%eb%ac%b8%ec%a0%9c%eb%a5%bc-%ed%95%b4%ea%b2%b0%ed%95%98%eb%8a%94\/"},"modified":"2024-09-27T11:04:59","modified_gmt":"2024-09-27T16:04:59","slug":"%eb%94%94%ec%a7%80%ed%84%b8-%eb%b3%b4%ed%97%98-%eb%8f%84%ea%b5%ac%ea%b0%80-%ea%b1%b4%ec%84%a4%ec%9d%98-%ea%b0%80%ec%9e%a5-%ed%81%b0-%eb%ac%b8%ec%a0%9c%eb%a5%bc-%ed%95%b4%ea%b2%b0%ed%95%98%eb%8a%94","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%eb%94%94%ec%a7%80%ed%84%b8-%eb%b3%b4%ed%97%98-%eb%8f%84%ea%b5%ac%ea%b0%80-%ea%b1%b4%ec%84%a4%ec%9d%98-%ea%b0%80%ec%9e%a5-%ed%81%b0-%eb%ac%b8%ec%a0%9c%eb%a5%bc-%ed%95%b4%ea%b2%b0%ed%95%98%eb%8a%94\/","title":{"rendered":"\ub514\uc9c0\ud138 \ubcf4\ud5d8 \ub3c4\uad6c\uac00 \uac74\uc124\uc758 \uac00\uc7a5 \ud070 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\ub294 \ubc29\ubc95"},"content":{"rendered":"\n

\uac74\uc124 \ubcf4\ud5d8 \uc2dc\uc7a5\uc5d0\ub294 \uc88b\uc740 \uc18c\uc2dd\uacfc \ub098\uc05c \uc18c\uc2dd\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc88b\uc740 \uc18c\uc2dd\uc740 \uc804\ubc18\uc801\uc73c\ub85c \uac74\uc124 \ubcf4\ud5d8 \uc2dc\uc7a5\uc774 \uac15\uc138\ub97c \ubcf4\uc774\uace0 \uc788\ub2e4\ub294 \uc810\uc774\ub77c\uace0 \uc778\uc288\uc5b4\ub7f0\uc2a4 \uc800\ub110 \ub9e4\uac70\uc9c4(Insurance Journal Magazine)\uc758 \ud3b8\uc9d1\uc7a5\uc778 \uc548\ub4dc\ub808\uc544 \uc6f0\uc2a4(Andrea Wells<\/a>)\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\uac74\uc804\ud55c \uc9d5\ud6c4\ub85c\ub294 \uc2dc\uc7a5\uc758 \uc720\ub9dd\ud55c \uc0dd\uc0b0 \ub2a5\ub825\uacfc \uac00\uc7a5 \uc218\uc775\uc131\uc774 \ub192\uc740 \uacc4\uc815\uc744 \ucc28\uc9c0\ud558\uae30 \uc704\ud55c \ud65c\ubc1c\ud55c \ubcf4\ud5d8\uc5c5\uc790 \uacbd\uc7c1\uc774 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub098\uc05c \uc18c\uc2dd\uc740 \uc774\ub7ec\ud55c \uc870\uac74\uc774 \ubbf8\uad6d \uc804\uc5ed\uc5d0 \uade0\ub4f1\ud558\uac8c \ubd84\ud3ec\ub418\uc5b4 \uc788\uc9c0 \uc54a\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.\n\uac74\uc124 \ubcf4\ud5d8\uc740 \uc804\ubc18\uc801\uc73c\ub85c \uc798 \uc6b4\uc601\ub418\uace0 \uc788\uc9c0\ub9cc \ud2b9\uc815 \uc9c0\uc5ed \ubc0f \ud504\ub85c\uc81d\ud2b8\uc758 \ubb38\uc81c\ub85c \uc778\ud574 \uc6b4\uc1a1\uc5c5\uccb4\uc640 \uace0\uac1d \ubaa8\ub450\uc5d0\uac8c \ubcf4\uc7a5 \ubc94\uc704\uac00 \uc5b4\ub824\uc6b4 \uc81c\uc548\uc774 \ub418\uc5c8\ub2e4\uace0 Wells\ub294 \ubcf4\uace0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ub514\uc9c0\ud138 \ub3c4\uad6c\uc640 \ud50c\ub7ab\ud3fc\uc740 \uc0c1\uc5c5 \ubcf4\ud5d8\uc0ac\uc640 \uac74\uc124 \ud68c\uc0ac \ubaa8\ub450\uac00 \uae30\ud68c\ub97c \ud65c\uc6a9\ud558\ub294 \ub3d9\uc2dc\uc5d0 \ubb38\uc81c\ub97c \ubcf4\ub2e4 \ud6a8\uacfc\uc801\uc73c\ub85c \ud574\uacb0\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \ub3c4\uad6c\ub97c \uc774\ud574\ud568\uc73c\ub85c\uc368 \uc0c1\uc5c5 \uc6b4\uc1a1\uc5c5\uccb4\ub294 \uac74\uc124 \uace0\uac1d\uc5d0\uac8c \ub354 \ub098\uc740 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uc704\ud5d8\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uac00\uaca9 \uc0c1\uc2b9<\/h2>\n\n

\uc9c0\ub09c\ud574\uc5d0\ub294 \uac74\uc124\uc5c5\uc744 \ud3ec\ud568\ud55c \ub9ce\uc740 \uc0c1\uc5c5 \ubcf4\ud5d8 \ubd80\ubb38\uc5d0\uc11c \uac00\uaca9\uc774 \uc0c1\uc2b9\ud588\uc2b5\ub2c8\ub2e4.\n\ub300\ud615 \uacc4\uc88c\ub294 \ud3c9\uade0 9.4%\uc758 \uae08\ub9ac \uc778\uc0c1\uc744 \uacbd\ud5d8\ud588\uc73c\uba70, \uc911\uac04 \uacc4\uc88c\ub294 8%, \uc18c\uaddc\ubaa8 \uc0c1\uc5c5 \uacc4\uc88c\ub294 5.2%\ub85c \uadf8 \ub4a4\ub97c \uc774\uc5c8\ub2e4\uace0, \uae08\uc735 \uc800\ub110\ub9ac\uc2a4\ud2b8\uc778 Gavin Souter<\/a>\ub294 \uc37c\ub2e4. <\/p>\n\n

\uc694\uc728 \uc778\uc0c1\uc740 \uac74\uc124 \ubcf4\ud5d8\uc758 \uac70\uc758 \ubaa8\ub4e0 \ubd80\ubb38\uc5d0\uc11c \uacc4\uc18d\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.\n \uc70c\ub9ac\uc2a4 \ud0c0\uc6cc\uc2a4 \uc653\uc2a8(Willis Towers Watson<\/a> )\uc758 2020\ub144 \uc124\ubb38\uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \uc6b0\uc0b0 \ubd80\ucc44\uac00 \ucd5c\ub300 30% \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.\n\uc0b0\uc7ac \ubcf4\uc0c1\ub9cc \uc804\ud600 \uac10\uc18c\ud558\uc9c0 \uc54a\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc608\uc0c1 \uc694\uc728 \ubcc0\ub3d9 \ubc94\uc704\ub294 -2%\uc5d0\uc11c +4%\uc785\ub2c8\ub2e4. <\/p>\n\n

\uac74\uc124 \ucee4\ubc84\ub9ac\uc9c0\uc758 \uac00\uaca9 \uc0c1\uc2b9\uc740 \ud504\ub85c\uc81d\ud2b8 \uaddc\ubaa8\ub97c \ud3ec\ud568\ud55c \uc5ec\ub7ec \uc694\uc778\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub429\ub2c8\ub2e4.\n\uacc4\uc57d\uc790\uc640 \uc18c\uc720\uc8fc\ub294 \ubcf4\ud5d8 \uc801\uc6a9 \ubc94\uc704\ub97c \uc7ac\ud3c9\uac00\ud558\uc5ec \uac00\uaca9 \ubcc0\ub3d9\uc5d0 \ub300\uc751\ud558\uae30 \uc2dc\uc791\ud588\uc73c\uba70, \uc774\ub294 \ubcf4\ud5d8\uc0ac\uc5d0 \ucd94\uac00\uc801\uc778 \uc704\ud5d8\uc744 \ucd08\ub798\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ud070 \ud504\ub85c\uc81d\ud2b8, \ud070 \uac00\uaca9<\/h3>\n\n

\ud504\ub85c\uc81d\ud2b8 \uaddc\ubaa8\uac00 \ud06c\ub2e4\ub294 \uac83\uc740 \ucd1d \uae08\uc561\uc758 \uc7ac\uc815\uc801 \uc704\ud5d8\ub3c4 \ucee4\uc9c4\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4.\n“50\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 100\uc5b5 \ub2ec\ub7ec \uc0ac\uc774\uc758 \uac00\uce58\ub97c \uac00\uc9c4 \ud504\ub85c\uc81d\ud2b8\ub294 \ub4dc\ubb38 \uc77c\uc774 \uc544\ub2c8\uba70, \uc774\ub294 \uccad\uad6c\uc561\uc774 \uc218\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uc218 \uc788\uc74c\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4”\ub77c\uace0 AGCS\uc758 \ubd80\ub3d9\uc0b0 \ubc0f \uc5d4\uc9c0\ub2c8\uc5b4\ub9c1 \uccad\uad6c \uae00\ub85c\ubc8c \ucc45\uc784\uc790\uc778 Raymond Hogendoorn<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ud55c \uac00\uc9c0 \uc608\ub294 \ucf5c\ub86c\ube44\uc544\uc758 Hidroituango \uc218\ub825 \ubc1c\uc804 \ub310\uc785\ub2c8\ub2e4.\n2018\ub144 \uac74\uc124 \uc911 \ub310\uc774 \ud64d\uc218\ub85c \ubcf4\ud5d8\uc0ac\uc5d0 \uc57d 14\uc5b5 \ub2ec\ub7ec\uc758 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud558\uc5ec \uc5ed\uc0ac\uc0c1 \uac00\uc7a5 \ud070 \uc5d4\uc9c0\ub2c8\uc5b4\ub9c1 \uad00\ub828 \ubcf4\ud5d8 \uccad\uad6c \uc911 \ud558\ub098\ub85c \uae30\ub85d\ub418\uc5c8\ub2e4\uace0 Insurance Business America\uc758 Bethan Moorcraft\ub294 \uc37c\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uac74\uc124 \ud604\uc7a5\uc758 \uaddc\ubaa8\uc640 \ubcf5\uc7a1\uc131\uc774 \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \uc704\ud5d8\uc5d0 \ucc98\ud55c \ub3c8\uacfc \uc790\uc6d0\uc758 \uc591\ub3c4 \uc99d\uac00\ud569\ub2c8\ub2e4.\n\ub354 \ub9ce\uc740 \uc704\ud5d8\uc774 \uac78\ub824 \uc788\uae30 \ub54c\ubb38\uc5d0 \uccad\uad6c \ube44\uc6a9\uc774 \ub354 \ub9ce\uc774 \ub4e4\uace0 \ubcf4\uc7a5\ub3c4 \ub354 \ub9ce\uc774 \ub4ed\ub2c8\ub2e4. <\/p>\n\n

\uacc4\uc57d\uc790\uc640 \uc18c\uc720\uc8fc\uc5d0 \ub300\ud55c \ube44\uc6a9 \ubc0f \uc704\ud5d8<\/h3>\n\n

\ubcf4\ud5d8\uc0ac\uc758 \uacfc\uc81c\ub294 \ud504\ub85c\uc81d\ud2b8\uc758 \ubcf5\uc7a1\uc131\uacfc \uc704\ud5d8\uc744 \uc9c4\uc815\uc73c\ub85c \ubc18\uc601\ud558\ub294 \uac00\uaca9\uc73c\ub85c \uc801\uc808\ud55c \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc785\ub2c8\ub2e4.\n\uacc4\uc57d\uc790\uc640 \uc18c\uc720\uc8fc\uc5d0\uac8c\ub294 \uc608\uc0b0 \ubc94\uc704 \ub0b4\uc5d0\uc11c \uc2a4\uc2a4\ub85c\ub97c \ubcf4\ud638\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. <\/p>\n\n

\ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud574 \uacc4\uc57d\uc790\uc640 \uc18c\uc720\uc790\ub294 \ubcf4\uc7a5\uc744 \uc904\uc5ec \ube44\uc6a9\uc744 \uc808\uac10\ud558\ub3c4\ub85d \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \uadf8\ub4e4\uc740 \ud2b9\uc815 \uc704\ud5d8\uc744 \ubcf4\uc7a5\uc5d0\uc11c \uc81c\uc678\ud558\ub294 \ub370 \ub3d9\uc758\ud558\uac70\ub098 \ub2e8\uc21c\ud788 \ud504\ub85c\uc81d\ud2b8 \uc790\uccb4\uc5d0 \ub300\ud55c \ubd80\uc801\uc808\ud55c \ubcf4\uc7a5\uc744 \uad6c\ub9e4\ud558\uc5ec \uc7a0\uc7ac\uc801 \uc190\uc2e4\uc5d0 \ub300\ud55c \uc790\uc2e0\uc758 \uc704\ud5d8\uc744 \uc77c\ubd80 \ubd80\ub2f4\ud558\ub294 \ub370 \ub3d9\uc758\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc77c\ubd80 \uc885\ud569 \uac74\uc124\uc5c5\uccb4\ub294 \ud558\uccad\uc5c5\uccb4\ub97c \uad50\uc721\ud558\ub294 \ub4f1 \ub9ac\uc2a4\ud06c\uc5d0 \ub300\ud574 \ubcf4\ub2e4 \uc801\uadf9\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc744 \ucde8\ud558\uace0 \uc788\ub2e4\uace0 \uae00\ub85c\ubc8c \uc790\ubb38 \ud68c\uc0ac\uc778 Willis Towers Watson\uc758 Bill Creedon\uacfc Joe Russo<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \ubaa8\ub4e0 \uc704\ud5d8\uc744 \uacf5\uc720\ud560 \uc218 \uc788\ub294 \uac83\uc740 \uc544\ub2c8\ubbc0\ub85c \uacc4\uc57d\uc5c5\uccb4\ub294 \uc704\ud5d8\uc744 \uc9c1\uc811 \ubd80\ub2f4\ud560\uc9c0 \uc544\ub2c8\uba74 \uc704\ud5d8\uc744 \ud574\uacb0\ud560 \uc218 \uc788\ub294 \uc800\ub834\ud55c \ubcf4\ud5d8\uc744 \ucc3e\uc744\uc9c0 \uc800\uc6b8\uc9c8\ud574\uc57c \ud569\ub2c8\ub2e4. <\/p>\n\n

\ud2b9\uc815 \uc704\ud5d8\uc758 \ube44\uc6a9\uc740 \ud2b9\ud788 \uc774\ub7ec\ud55c \ube44\uc6a9\uc774 \uacc4\uc18d \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \ubd80\ub2f4\uc2a4\ub7ec\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uac74\uc124 \ud68c\uc0ac\ub4e4\uc740 \ud604\uc7ac \ub274\uc62c\ub9ac\uc5b8\uc2a4\uc758 \ud558\ub4dc\ub85d \ud638\ud154(Hard Rock Hotel)\uacfc \ud50c\ub85c\ub9ac\ub2e4 \uad6d\uc81c \ub300\ud559\uad50(Florida International University) \ubcf4\ud589\uc790 \ub2e4\ub9ac\uc758 \ubd95\uad34\uc640 \uac19\uc740 \uc0ac\uac74 \uc774\ud6c4 \uad6c\uc870 \ud504\ub85c\uc138\uc2a4\uc5d0 \ub300\ud55c \uba74\ubc00\ud55c \uc870\uc0ac\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc774\uc640 \uac19\uc740 \uc0ac\uace0\ub85c \uc778\ud574 \uac74\uc124 \ud68c\uc0ac\ub294 \uc77c\uc744 \ubc14\ub85c\uc7a1\uc544\uc57c \ud55c\ub2e4\ub294 \ub354 \ub9ce\uc740 \uc555\ubc15\uc744 \ubc1b\uac8c \ub429\ub2c8\ub2e4.\n\ud2b9\ud788 \uc18c\uc1a1\uc774 \ubc1c\uc0dd\ud560 \uacbd\uc6b0 \uc190\ud574 \ubc30\uc0c1 \ucc45\uc784\uc774 \ubcf4\ud5d8\uc0ac\uc5d0 \uc788\ub294 \uacbd\uc6b0\uac00 \ub9ce\uae30 \ub54c\ubb38\uc5d0 \ubcf4\ud5d8\uc0ac\uc5d0 \ub300\ud55c \uc870\uc0ac\uac00 \uac15\ud654\ub420 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\uace0 \uc704\ud5d8 \uc608\ubc29 \uae30\uad00\uc778 Marsh & McLennan\uc758 \uacbd\uc601 \ucc45\uc784 \ubc0f \uace0\uac1d \uacbd\ud5d8 \ub2f4\ub2f9 \uc218\uc11d \ubd80\uc0ac\uc7a5\uc778 Dan Hanson<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc77c\ubd80 \uacc4\uc57d\uc790 \ubc0f \uc18c\uc720\uc790\ub294 \ubcf4\ud5d8 \ud68c\uc0ac\uc758 \uc9c0\uce68\uc744 \ud658\uc601\ud560 \uac83\uc785\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \ub2e4\ub978 \uc720\ud615\uc740 \ub2e4\ub978 \uc720\ud615\uc744 \ucc3e\ub294 \ub370 \uc218\ubc18\ub418\ub294 \uc870\uc0ac\ub97c \ud53c\ud558\uae30 \uc704\ud574 \uae30\uc874 \uc720\ud615\uc758 \ubcf4\uc7a5\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uc9dc\uae41\uae30\uc2dd \uc811\uadfc \ubc29\uc2dd\uc740 \uc704\ud5d8 \uacc4\uc0b0\uc744 \ubcc0\uacbd\ud558\uace0 \uc2ec\uac01\ud55c \uacb0\uacfc\ub97c \ucd08\ub798\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

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

\ub514\uc9c0\ud138 \uc870\ub2ec<\/h2>\n\n

\uc870\ub2ec\uc740 \ud56d\uc0c1 \uac74\uc124 \ud68c\uc0ac\uc5d0 \ub3c4\uc804 \uacfc\uc81c\uc600\uc2b5\ub2c8\ub2e4.\n\uc870\ub2ec \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uacfc \ub3c4\uad6c\uc758 \ubd80\uc0c1\uc740 \uae30\uc874 \ubb38\uc81c\ub97c \ud574\uacb0\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc704\ud5d8\uc5d0 \ub300\ud55c \uc0c8\ub85c\uc6b4 \ud1b5\ucc30\ub825\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. <\/p>\n\n

\ub51c\ub85c\uc774\ud2b8\uc758 \ube0c\ub77c\uc774\uc5b8 \uc6c0\ubca4\ud558\uc6b0\uc5b4(Brian Umbenhauer<\/a>)\ub294 “\uc9c0\ub09c 20\ub144 \ub3d9\uc548 \uc870\ub2ec\uc758 \uc8fc\uc694 \uc784\ubb34\ub294 \ube44\uc6a9 \ub9ac\ub354\uc2ed \ubc0f \uacf5\uae09 \ubcf4\uc7a5\uc5d0\uc11c \uc758\uc0ac \uacb0\uc815\uc744 \uc704\ud55c \uc804\ub7b5\uc801 \ud1b5\ucc30\ub825\uc73c\ub85c \ud655\uc7a5\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc608\ub97c \ub4e4\uc5b4, \ub2e4\uc591\ud55c \ub514\uc9c0\ud138 \uc870\ub2ec \ub3c4\uad6c\ub97c \ud1b5\ud574 \uac74\uc124 \ud68c\uc0ac\ub294 \uc5ec\ub7ec \uc18c\uc2a4\uc758 \ub370\uc774\ud130\ub97c \uc9d1\uacc4\ud558\uc5ec \uc218\uc694\ub97c \uc608\uce21\ud558\uace0, \uc2e4\uc2dc\uac04\uc73c\ub85c \uc9c0\ucd9c\uc744 \uad00\ub9ac\ud558\uace0, \uc11c\ub958 \uc791\uc5c5\uc744 \uac04\uc18c\ud654\ud558\uace0, \uc2e4\uc2dc\uac04 \uc704\ud5d8\uc744 \ubaa8\ub2c8\ud130\ub9c1\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ubcf4\ud5d8 \ud68c\uc0ac\ub3c4 \uc774\ub7ec\ud55c \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\ub300\ub7c9\uc758 \ub370\uc774\ud130\ub97c \ubaa8\ub2c8\ud130\ub9c1\ud558\uace0 \ubd84\uc11d\ud560 \uc218 \uc788\ub294 \uae30\ub2a5\uc744 \ud1b5\ud574 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ub514\uc9c0\ud138 \uc2dc\ub300 \uc774\uc804\uc5d0\ub294 \ubd88\uac00\ub2a5\ud588\ub358 \ubc29\uc2dd\uc73c\ub85c \uc778\uc218 \ubc0f \uc704\ud5d8 \uad00\ub9ac\uc5d0 \uc9d1\uc911\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc2a4\ub9c8\ud2b8 \uc13c\uc11c\uc640 \uac19\uc740 \ucee4\ub125\ud2f0\ub4dc \uc7a5\uce58\ub294 \uc2e4\uc2dc\uac04\uc73c\ub85c \ub370\uc774\ud130\ub97c \uc218\uc9d1 \ubc0f \ubd84\uc11d\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \uac74\uc124 \ud68c\uc0ac\uc640 \ubcf4\ud5d8\uc0ac \ubaa8\ub450 \ud5a5\ud6c4 \uc704\ud5d8\uc5d0 \ub300\uc751\ud560 \uc218 \uc788\uc73c\ubbc0\ub85c \uc7a0\uc7ac\uc801\uc73c\ub85c \ube44\uc6a9\uc774 \ub9ce\uc774 \ub4dc\ub294 \uc190\uc2e4\uc744 \uc644\ud654\ud558\uac70\ub098 \ubc29\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc774\ub7ec\ud55c \ub3c4\uad6c\ub294 \uacc4\uc57d\uc790\uc640\uc758 \uad00\uacc4\ubfd0\ub9cc \uc544\ub2c8\ub77c \ub2e4\ub978 \ubcf4\ud5d8 \uace0\uac1d \uad00\uacc4\uc5d0\uc11c\ub3c4 \ubcf4\ud5d8\uc0ac\uc5d0 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.\nSAP\uc758 \ud734 \uc564\ub354\uc2a8(Hugh Anderson<\/a> )\uc740 “\uc608\ub97c \ub4e4\uc5b4 \uc9c0\ub2a5\ud615 \ucf58\ud150\uce20 \ucd94\ucd9c \uc194\ub8e8\uc158\uc740 \uc815\uc801 \ubb38\uc11c\ub97c \ub370\uc774\ud130 \ud3ec\uc778\ud2b8\ub85c \ubcc0\ud658\ud558\uc5ec \uac00\uce58 \uc788\ub294 \uc778\ub371\uc2f1 \uac00\uaca9 \ucc45\uc815 \ubc0f \ud398\ub110\ud2f0\ub97c \ub354 \uc27d\uac8c \uc2dd\ubcc4\ud558\uace0 \uc870\uce58\ub97c \ucde8\ud560 \uc218 \uc788\ub3c4\ub85d \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc774\ub7ec\ud55c \ub3c4\uad6c\ub294 \uc5f0\ubc29 \ub610\ub294 \uc8fc \uc548\uc804 \uaddc\uc815\uacfc \uac19\uc740 \uc694\uc18c\ub97c \uace0\ub824\ud558\uc5ec \ud6a8\uacfc\uc801\uc778 \uc778\uc218 \ub610\ub294 \uc720\ud1b5 \uc2dc\uc2a4\ud15c\uc73c\ub85c \uc791\ub3d9\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uac00\uaca9 \uc0c1\uc2b9\uacfc \uc704\ud5d8 \ubcc0\ud654\uc5d0 \ub530\ub978 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud574 \ub9ce\uc740 \uac74\uc124 \ud68c\uc0ac\ub294 \ubcf4\ud5d8 \uc801\uc6a9 \ubc94\uc704\uc640 \ubcf4\ud5d8 \ud68c\uc0ac \uc804\ubb38\uac00\uc5d0 \ub300\ud55c \ube60\ub974\uace0 \uc548\uc815\uc801\uc778 \uc561\uc138\uc2a4\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.\n\ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc740 \ubcf4\ud5d8\uc0ac\uac00 \uc9c8\ubb38\uc5d0 \ub2f5\ubcc0\ud558\uac70\ub098 \uacac\uc801\uc744 \uc81c\uacf5\ud558\uac70\ub098 \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud574\uc57c \ud560 \ub54c \uc774\ub7ec\ud55c \uace0\uac1d\uacfc \uc2e0\uc18d\ud558\uac8c \uc5f0\uacb0\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. <\/p>\n\n

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

\uac74\uc124 \ucee4\ubc84\ub9ac\uc9c0\uc758 \ucd94\uac00 \uacfc\uc81c<\/h2>\n\n

\uac74\uc124 \ucee4\ubc84\ub9ac\uc9c0\ub294 \ubcf5\uc7a1\ud55c \uc791\uc5c5\uc785\ub2c8\ub2e4.\n\uc77c\ubc18\uc801\uc73c\ub85c \ud504\ub85c\uc81d\ud2b8\ubcc4 \uc804\ubb38 \uc9c0\uc2dd\uc744 \uac16\ucd98 \uacc4\uc57d\uc790 \ubc0f \uc18c\uc720\uc790\uc640 \ubcf4\uc7a5 \ubc94\uc704 \ubc0f \uc778\uc218 \uc804\ubb38 \uc9c0\uc2dd\uc744 \uac16\ucd98 \ubcf4\ud5d8\uc0ac \uac04\uc758 \ud30c\ud2b8\ub108\uc2ed\uc5d0 \uc758\uc874\ud569\ub2c8\ub2e4.\n\ud558\uc9c0\ub9cc \uba87 \uac00\uc9c0 \uc694\uc778\uc774 \uc774 \uc911\uc694\ud55c \uad00\uacc4\ub97c \uc704\ud0dc\ub86d\uac8c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc804\ubc18\uc801\uc73c\ub85c \ubbf8\uad6d \uac74\uc124 \ucee4\ubc84\ub9ac\uc9c0 \uc5ed\ub7c9\uc740 \uc5ec\uc804\ud788 \ub192\uc740 \uc218\uc900\uc744 \uc720\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc77c\ubd80 \ud2b9\uc815 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uac74\uc124 \uc704\ud5d8\uc5d0 \ub300\ud55c \ubcf4\uc7a5\uc744 \uac70\ubd80\ud568\uc5d0 \ub530\ub77c \uc218\uc6a9 \ub2a5\ub825\uc774 \uc904\uc5b4\ub4e4\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \ubcf4\ud5d8\uc0ac\uc758 \uc190\uc2e4\uc740 \uac74\uc124 \ubcf4\ud5d8 \uace0\uac1d\uc5d0\uac8c \uc5ec\ub7ec \uac00\uc9c0 \ud30c\uae09 \ud6a8\uacfc\ub97c \uac00\uc838\uc635\ub2c8\ub2e4. <\/p>\n\n

“\ub274\uc695 \uac74\uc124 \uc0b0\uc5c5\uc774 \uc9c1\uba74\ud55c \uac00\uc7a5 \ud070 \ub2e8\uc77c \uc704\ud5d8\uc740 \ubcf4\ud5d8 \uc2dc\uc7a5\uc5d0\uc11c \ub354 \ub9ce\uc740 \uc2dc\uc7a5\uc774 \ube60\uc838\ub098\uac00\ub294 \uac83\uc774\uba70, \uc774\ub85c \uc778\ud574 \uac74\uc124 \uc0ac\uc5c5\uc5d0 \ub300\ud55c \ubcf4\ud5d8 \uc635\uc158\uc774 \uc904\uc5b4\ub4e4\uace0 \ubcf4\uc7a5 \ubc94\uc704\uac00 \ub354 \uc81c\ud55c\ub418\uba70 \ubcf4\ud5d8\ub8cc\uac00 \ub192\uc544\uc9c8 \uac83\uc785\ub2c8\ub2e4”\ub77c\uace0 AmWINS Brokerage of New York\uc758 \ubd80\uc0ac\uc7a5\uc778 Robert Gibson<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uadf8\ub7fc\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uac74\uc124 \ubcf4\uc7a5\uc5d0 \ub300\ud55c \uac74\uc804\ud55c \uc804\uad6d\uc801 \uc218\uc6a9\ub825\uc740 \uac74\uc124 \uacc4\ud68d\uc5d0\uc11c \ud544\uc694\ud55c \ubcf4\uc7a5\uc744 \ucc3e\uc744 \uc218 \uc5c6\ub294 \uacbd\uc6b0 \ud2b9\uc815 \ud504\ub85c\uc81d\ud2b8\uc640 \ud68c\uc0ac\ub97c \uc704\ud5d8\uc5d0 \ube60\ub728\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uacc4\uc57d\uc790\uc640 \uc18c\uc720\uc790\ub294 \ud504\ub85c\uc81d\ud2b8\ub97c \uc644\ub8cc\ud558\uae30 \uc704\ud574 \uc704\ud5d8\uc744 \uacf5\uc720\ud558\uac70\ub098 \ub354 \ub9ce\uc740 \uc704\ud5d8\uc744 \uac10\uc218\ud560 \uc218 \uc788\uc73c\uba70, \uadf8\ub807\uac8c \ud558\ub294 \uac83\uc774 \ube44\uc988\ub2c8\uc2a4\ub97c \uacfc\ub3c4\ud558\uac8c \ud655\uc7a5\ud558\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \ub9c8\ucc2c\uac00\uc9c0\uc785\ub2c8\ub2e4. <\/p>\n\n

\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: warrengoldswain\/\u00a9123RF.com, Olena Kachmar\/\u00a9123RF.com, Geza Farkas\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\uac74\uc124 \ubcf4\ud5d8 \uc2dc\uc7a5\uc5d0\ub294 \uc88b\uc740 \uc18c\uc2dd\uacfc \ub098\uc05c \uc18c\uc2dd\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc88b\uc740 \uc18c\uc2dd\uc740 \uc804\ubc18\uc801\uc73c\ub85c \uac74\uc124 \ubcf4\ud5d8 \uc2dc\uc7a5\uc774 \uac15\uc138\ub97c \ubcf4\uc774\uace0 \uc788\ub2e4\ub294 \uc810\uc774\ub77c\uace0 \uc778\uc288\uc5b4\ub7f0\uc2a4 \uc800\ub110 \ub9e4\uac70\uc9c4(Insurance Journal Magazine)\uc758 \ud3b8\uc9d1\uc7a5\uc778 \uc548\ub4dc\ub808\uc544 \uc6f0\uc2a4(Andrea Wells)\ub294 \ub9d0\ud569\ub2c8\ub2e4. \uac74\uc804\ud55c \uc9d5\ud6c4\ub85c\ub294 \uc2dc\uc7a5\uc758 \uc720\ub9dd\ud55c \uc0dd\uc0b0 \ub2a5\ub825\uacfc \uac00\uc7a5 \uc218\uc775\uc131\uc774 \ub192\uc740 \uacc4\uc815\uc744 \ucc28\uc9c0\ud558\uae30 \uc704\ud55c \ud65c\ubc1c\ud55c \ubcf4\ud5d8\uc5c5\uc790 \uacbd\uc7c1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub098\uc05c \uc18c\uc2dd\uc740 \uc774\ub7ec\ud55c \uc870\uac74\uc774 \ubbf8\uad6d \uc804\uc5ed\uc5d0 \uade0\ub4f1\ud558\uac8c \ubd84\ud3ec\ub418\uc5b4 \uc788\uc9c0 \uc54a\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. […]<\/p>\n","protected":false},"featured_media":8249,"template":"","insight-category":[],"class_list":["post-20611","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/20611","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\/8249"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=20611"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=20611"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}