{"id":20848,"date":"2024-09-30T14:06:49","date_gmt":"2024-09-30T19:06:49","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%eb%b3%b4%ed%97%98%ec%82%ac%ea%b0%80-%ed%94%8c%eb%9e%ab%ed%8f%bc-%ea%b2%bd%ec%a0%9c%eb%a5%bc-%ec%9d%b4%ed%95%b4%ed%95%98%ec%97%ac-%ec%83%88%eb%a1%9c%ec%9a%b4-%ea%b3%a0%ea%b0%9d%ec%97%90%ea%b2%8c\/"},"modified":"2024-09-30T14:06:52","modified_gmt":"2024-09-30T19:06:52","slug":"%eb%b3%b4%ed%97%98%ec%82%ac%ea%b0%80-%ed%94%8c%eb%9e%ab%ed%8f%bc-%ea%b2%bd%ec%a0%9c%eb%a5%bc-%ec%9d%b4%ed%95%b4%ed%95%98%ec%97%ac-%ec%83%88%eb%a1%9c%ec%9a%b4-%ea%b3%a0%ea%b0%9d%ec%97%90%ea%b2%8c","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%eb%b3%b4%ed%97%98%ec%82%ac%ea%b0%80-%ed%94%8c%eb%9e%ab%ed%8f%bc-%ea%b2%bd%ec%a0%9c%eb%a5%bc-%ec%9d%b4%ed%95%b4%ed%95%98%ec%97%ac-%ec%83%88%eb%a1%9c%ec%9a%b4-%ea%b3%a0%ea%b0%9d%ec%97%90%ea%b2%8c\/","title":{"rendered":"\ubcf4\ud5d8\uc0ac\uac00 \ud50c\ub7ab\ud3fc \uacbd\uc81c\ub97c \uc774\ud574\ud558\uc5ec \uc0c8\ub85c\uc6b4 \uace0\uac1d\uc5d0\uac8c \ub2e4\uac00\uac08 \uc218 \uc788\ub294 \ubc29\ubc95"},"content":{"rendered":"\n

\uc6b0\ub9ac\uac00 \ube44\uc988\ub2c8\uc2a4\ub97c \uc218\ud589\ud558\ub294 \ubc29\uc2dd\uc740 \uc9c4\ud589 \uc911\uc778 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc5d0 \ub300\uc751\ud558\uace0 \uc774\ub97c \uc9c0\uc18d\ud574 \uc654\uc2b5\ub2c8\ub2e4.\n\uae30\uc5c5\uc774 \ub514\uc9c0\ud138 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uacfc \ud50c\ub7ab\ud3fc\uc744 \ud65c\uc6a9\ud558\ub294 \uc0c8\ub85c\uc6b4 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud568\uc5d0 \ub530\ub77c \uc6b0\ub9ac \uacbd\uc81c\ub294 \ubb3c\ub9ac\uc801 \uc704\uce58\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc885\uc774 \uc815\ucc45\uacfc \uac19\uc740 \uc720\ud615\uc758 \ud56d\ubaa9\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\uc5d0\uc11c \ubc97\uc5b4\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc774\ub7ec\ud55c \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc5d0\ub294 \ud50c\ub7ab\ud3fc \uacbd\uc81c(platform economy)\uc758 \ubd80\uc0c1\uc774 \ud3ec\ud568\ub418\ub294\ub370, \ud50c\ub7ab\ud3fc \uacbd\uc81c\ub294 \uc624\ud504\ub77c\uc778 \ub9e4\uc7a5\uc774\ub098 \uac1c\ubcc4 \uc0b0\uc5c5\uc774 \uc544\ub2cc \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc744 \uc911\uc2ec\uc73c\ub85c \uacbd\uc81c \ud65c\ub3d9\uc744 \uadf8\ub8f9\ud654\ud569\ub2c8\ub2e4.\n\uc77c\ubd80 \uc778\uc288\uc5b4\ud14c\ud06c \uc5c5\uccb4\ub294 \uc774\ubbf8 \ud50c\ub7ab\ud3fc \uacbd\uc81c\uc5d0 \uc9c4\ucd9c\ud558\uace0 \uc788\uc9c0\ub9cc, \ub9ce\uc740 \uae30\uc874 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774\ub7ec\ud55c \ubcc0\ud654\uc5d0 \uc644\uc804\ud788 \ub3d9\ucc38\ud558\ub294 \uac83\uc744 \uc8fc\uc800\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uadf8\ub7ec\ub098 \ud50c\ub7ab\ud3fc \uacbd\uc81c\ub294 \uc774\ubbf8 \ub2e4\ub978 \uc0b0\uc5c5\uc5d0\ub3c4 \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\ub85c \uc778\ud574 \ubcf4\ud5d8 \uac00\uc6a9\uc131\uacfc \ud589\ub3d9\uc5d0 \ub300\ud55c \uace0\uac1d\uc758 \uae30\ub300\uce58\uac00 \ubc14\ub01d\ub2c8\ub2e4.\n\ud50c\ub7ab\ud3fc \ubaa8\ub378\uc744 \uc870\uae30\uc5d0 \uc774\ud574\ud558\uace0 \uc218\uc6a9\ud558\ub294 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uadf8\ub807\uc9c0 \uc54a\uc740 \ubcf4\ud5d8\uc0ac\ubcf4\ub2e4 \uacbd\uc7c1 \uc6b0\uc704\ub97c \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ud50c\ub7ab\ud3fc \uacbd\uc81c\uc758 \uc774\ud574<\/h2>\n\n

\uacfc\uac70\uc758 \uacbd\uc81c\ub294 \ud2b9\uc815 \uc0c1\ud488\uc774\ub098 \uc11c\ube44\uc2a4\ub97c \ub9cc\ub4e4\uace0 \ub9c8\ucf00\ud305\ud558\ub294 \ub370 \uc911\uc810\uc744 \ub450\uc5c8\uc2b5\ub2c8\ub2e4.\n\uc0c8\ub85c\uc6b4 \uacbd\uc81c\ub294 \ud50c\ub7ab\ud3fc \uae30\ubc18 \uc811\uadfc \ubc29\uc2dd\uc73c\ub85c \uc804\ud658\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\ud50c\ub7ab\ud3fc \uae30\ubc18 \uae30\uc5c5\uc758 \uacbd\uc6b0 \ubb3c\ub9ac\uc801 \uc704\uce58\uac00 \ub514\uc9c0\ud138 \uc778\uc9c0\ub3c4\ubcf4\ub2e4 \ub35c \uc911\uc694\ud569\ub2c8\ub2e4. <\/p>\n\n

SMA\uc758 \ud30c\ud2b8\ub108\uc778 \ub9c8\ud06c \ube0c\ub808\ub529(Mark Breading<\/a>)\uc740 “\uc774 \ubc94\uc8fc\uc5d0 \uc18d\ud558\ub294 \uae30\uc5c5\uc740 \ubb34\uc5b8\uac00\ub97c \ud544\uc694\ub85c \ud558\ub294 \uac1c\uc778\uc774\ub098 \uae30\uc5c5\uacfc \ubb34\uc5b8\uac00\ub97c \uc81c\uacf5\ud558\ub294 \uac1c\uc778\uc774\ub098 \uae30\uc5c5 \uac04\uc758 \uc0c1\ud638\uc791\uc6a9\uc744 \uac00\ub2a5\ud558\uac8c \ud558\ub294 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc744 \ub9cc\ub4e0\ub2e4”\uace0 \ub9d0\ud588\ub2e4. <\/p>\n\n

\ud50c\ub7ab\ud3fc \uacbd\uc81c\uc5d0\uc11c \uc81c\uacf5\ub418\ub294 \uc7ac\ud654\ub098 \uc11c\ube44\uc2a4\ub294 \ud50c\ub7ab\ud3fc \uc81c\uc791\uc790\uc640 \ucc38\uc5ec\uc790\uc758 \uc0c1\uc0c1\ub825\ub9cc\ud07c\uc774\ub098 \ub2e4\uc591\ud558\ub2e4.\n\uadf8\ub9ac\uace0 \uadf8\ub4e4\uc740 \uc804\uccb4 \uacbd\uc81c\uc5d0\uc11c \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ubd80\ubb38\uc744 \ub300\ud45c\ud569\ub2c8\ub2e4.\n\ube0c\ub8e8\ud0b9\uc2a4 \uc5f0\uad6c\uc18c(Brookings Institute)\uc758 \ub2c8\uc554 \uc57c\ub77c\uae30(Niam Yaraghi)\uc640 \uc0e4\ubbf8\uce74 \ub77c\ube44(Shamika Ravi)<\/a> \ub294 \ud50c\ub7ab\ud3fc \uacbd\uc81c\uc758 \uc608\uc0c1 \uc131\uc7a5\ub960\uc774 2025\ub144\uae4c\uc9c0 3,350\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ud50c\ub7ab\ud3fc \uacbd\uc81c\ub294 \uc6b0\ub9ac\uac00 \ube44\uc988\ub2c8\uc2a4\ub97c \uc218\ud589\ud558\ub294 \ubc29\uc2dd\uc5d0 \uc0c1\ub2f9\ud55c \ubcc0\ud654\ub97c \uac00\uc838\uc654\uc2b5\ub2c8\ub2e4.\n“\uc0b0\uc5c5 \ud601\uba85\uc774 \uacf5\uc7a5\uc744 \uc911\uc2ec\uc73c\ub85c \uc870\uc9c1\ub418\uc5c8\ub2e4\uba74, \uc624\ub298\ub0a0\uc758 \ubcc0\ud654\ub294 \uc774\ub7ec\ud55c \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc744 \uc911\uc2ec\uc73c\ub85c \uc870\uc9c1\ub41c\ub2e4”\uace0 Martin Kenney \uad50\uc218\uc640 John Zysman<\/a> \uad50\uc218\ub294 \uc37c\ub2e4. <\/p>\n\n

Kenney\uc640 Zysman\uc740 \ud50c\ub7ab\ud3fc \uc18c\uc720\uc8fc\uac00 \uc0b0\uc5c5 \ud601\uba85 \ucd08\uae30\uc5d0 \uacf5\uc7a5 \uc18c\uc720\uc8fc\uac00 \uac00\uc84c\ub358 \uac83\ubcf4\ub2e4 \ud6e8\uc52c \ub354 \ud070 \ud798\uc744 \uc624\ub298\ub0a0\uc758 \uacbd\uc81c\uc5d0\uc11c \uac00\uc9c8 \uac83\uc774\ub77c\uace0 \uc608\uce21\ud569\ub2c8\ub2e4. <\/p>\n\n

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

\ud50c\ub7ab\ud3fc \uacbd\uc81c\uc758 \uc0c8\ub85c\uc6b4 \ubcf4\ud5d8 \ub3c4\uad6c<\/h2>\n\n

\ud50c\ub7ab\ud3fc \uacbd\uc81c\uc640 \ubcf4\ud5d8\uc758 \uad00\uacc4\ub97c \uc0dd\uac01\ud558\ub294 \ud55c \uac00\uc9c0 \ubc29\ubc95\uc740 \ubcf4\ud5d8 \uc790\uccb4\ub97c \uc81c\ud488\uc774 \uc544\ub2cc \uc11c\ube44\uc2a4\ub85c \uc0dd\uac01\ud558\ub294 \uac83\uc774\ub77c\uace0 AXA\uc758 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158 \ub514\ub809\ud130\uc778 Tomasz Kurcyzk<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc774\ub97c \ud1b5\ud574 \ubcf4\ud5d8\uc0ac\ub294 \uae30\uc220\uc774 \uc0c8\ub85c\uc6b4 \ubcf4\uc7a5 \ubc29\uc2dd\uc758 \uac1c\ubc1c\uc744 \uc8fc\ub3c4\ud558\ub294 \ubc29\uc2dd\uc744 \ub354 \uc798 \uc774\ud574\ud560 \uc218 \uc788\ub2e4\uace0 Kurcyzk\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\ub610\ud55c \ubcf4\ud5d8\uc0ac\ub294 \ub514\uc9c0\ud138 \uc2dc\ub300\uc5d0 \ubcf4\ud5d8\uc774 \uc65c \uc911\uc694\ud558\uace0 \uc2ec\uc9c0\uc5b4 \ud544\uc218\uc801\uc778\uc9c0\ub97c \uace0\uac1d\uc5d0\uac8c \ub354 \uc798 \uc124\uba85\ud560 \uc218 \uc788\ub294 \uc704\uce58\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc778\uc288\uc5b4\ud14c\ud06c(Insurtech)\ub294 \uc77c\ubd80 \uae30\uc874 \ubcf4\ud5d8\uc0ac\uc640 \ud568\uaed8 \uc774\ubbf8 \uc18c\uc561 \ubcf4\ud5d8 \ubc0f UBI(Personalized, Usage-Based Insurance)\uc640 \uac19\uc740 \uc0c1\ud488\uc73c\ub85c \ud50c\ub7ab\ud3fc \uacbd\uc81c\uc5d0 \uc9c4\ucd9c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc18c\uc561 \ubcf4\ud5d8 \uc2dc\uc7a5\uc740 \uc804\ud1b5\uc801\uc73c\ub85c \ubcf4\ud5d8\uc0ac\uac00 \uc218\uc775\uc131 \uc788\uac8c \ucee4\ubc84\ud558\uae30\uc5d0\ub294 \ub108\ubb34 \uc791\uc558\ub358 \uace0\uac1d \ubc0f \uccad\uad6c\uc5d0 \uc9d1\uc911\ud568\uc73c\ub85c\uc368 \ubcf4\ud5d8\uc5d0 \ub300\ud55c \uc0c8\ub85c\uc6b4 \uace0\uac1d \uae30\ubc18\uc744 \uc5f4\uc5c8\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc18c\uc561 \ubcf4\ud5d8\uc740 \uc18c\uaddc\ubaa8 \uc190\uc2e4\uacfc \uc18c\uc678\ub41c \uace0\uac1d \uc9d1\ub2e8\uc5d0 \ucd08\uc810\uc744 \ub9de\ucda4\uc73c\ub85c\uc368 \uc774\uc804\uc5d0\ub294 \ubcf4\ud5d8\uc5d0 \uc811\uadfc\ud560 \uc218 \uc5c6\uc5c8\ub358 \uace0\uac1d\uc5d0\uac8c \ub2e4\uac00\uac08 \uc218 \uc788\ub2e4\uace0 Investopedia\uc758 Julia Kagan<\/a> \uc740 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8 \ud68c\uc0ac\ub97c \uc800\ud574\ud558\ub294 \ub370 \uc0ac\uc6a9\ub41c \uc138 \uac00\uc9c0 \uc8fc\uc694 \uc694\uc778\uc740 \ub192\uc740 \uc218\uc694, \ub192\uc740 \ube44\uc6a9 \ubc0f \ubd88\uade0\ub4f1\ud55c \ubcf4\uc7a5 \ubd84\ud3ec\uc600\uc2b5\ub2c8\ub2e4.\n\uc624\ub298\ub0a0 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uacfc \ub0b4\uc7a5\ub41c \ubd84\uc11d \ubc29\ubc95(\uc778\uacf5 \uc9c0\ub2a5 \ud3ec\ud568)\uc744 \ud1b5\ud574 \uc5ec\ub7ec \uc9c0\uc5ed\uc5d0 \uac78\uccd0 \ud48d\ubd80\ud558\uace0 \uc800\ub834\ud55c \ucee4\ubc84\ub9ac\uc9c0\ub97c \ub354 \uc27d\uac8c \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc774\ub7ec\ud55c \uc815\ucc45\uc740 \ubcf8\uc9c8\uc801\uc73c\ub85c \ud30c\ub77c\uba54\ud2b8\ub9ad\uc778 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.\n \ubcf4\ud5d8 \uc815\ubcf4 \uc5f0\uad6c\uc18c(Insurance Information Institute<\/a>)\uc758 \uc815\ubcf4 \uc2dc\ud2b8\uc5d0 \ub530\ub974\uba74 \ud2b9\uc815 \uc815\ub7c9\uc801 \uc694\uad6c \uc0ac\ud56d\uc774 \ucda9\uc871\ub418\uba74 \ubcf4\uc7a5\uc774 \uc790\ub3d9\uc73c\ub85c \ud2b8\ub9ac\uac70\ub429\ub2c8\ub2e4.\n\ud30c\ub77c\uba54\ud2b8\ub9ad \ud2b9\uc131\uc73c\ub85c \uc778\ud574 \uc18c\uc561 \ubcf4\ud5d8 \uc815\ucc45\uc740 \uc885\uc885 \uc0ac\ub78c\uc774 \uc544\ub2cc \ucef4\ud4e8\ud130 \uc54c\uace0\ub9ac\uc998\uc5d0 \uc758\ud574 \ucc98\ub9ac\ub420 \uc218 \uc788\uc73c\ubbc0\ub85c \ubcf4\ud5d8\uc0ac\ub294 \ub354 \uc801\uc740 \uc2dc\uac04\uacfc \ube44\uc6a9 \uc808\uac10\uc73c\ub85c \ub354 \ub9ce\uc740 \uc591\uc758 \uccad\uad6c\ub97c \ucc98\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ud50c\ub7ab\ud3fc \uae30\ubc18 \ubaa8\ub378\uc740 \uc624\ub298\ub0a0 \uc18c\uc561\ubcf4\ud5d8\uc774 \uc9c1\uba74\ud55c \uac00\uc7a5 \ud070 \ubb38\uc81c \uc911 \ud558\ub098\uc778 \ubd84\ubc30\ub97c \ud574\uacb0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc18c\uc561 \ubcf4\ud5d8\uc744 \ud310\ub9e4\ud560 \uc218 \uc788\ub294 \ud50c\ub7ab\ud3fc\uc744 \uad6c\ucd95\ud568\uc73c\ub85c\uc368 \ubcf4\ud5d8\uc0ac\ub294 \uace0\uac1d\uc774 \uc774 \uc0c8\ub85c\uc6b4 \ud615\ud0dc\uc758 \ubcf4\ud5d8\uc744 \ud65c\uc6a9\ud558\ub294 \ub370 \ud544\uc694\ud55c \uc561\uc138\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub3d9\uc801 \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8 <\/h2>\n\n

\uc0ac\uc6a9 \uae30\ubc18 \ubcf4\ud5d8(UBI)\uc740 10\ub144 \uc774\uc0c1 \ubc1c\uc804\ud574 \uc654\uc2b5\ub2c8\ub2e4.\nUBI\ub294 \ud154\ub808\ub9e4\ud2f1\uc2a4\ub97c \uc0ac\uc6a9\ud558\uc5ec \uc6b4\uc804\uc790 \ud589\ub3d9\uc744 \ucd94\uc801\ud558\uace0 \ubcf4\ud5d8\ub8cc\ub97c \uc870\uc815\ud558\uae30 \uc2dc\uc791\ud55c \uc774\ub798\ub85c \uac01 \uc6b4\uc804\uc790\uc758 \ud544\uc694\uc5d0 \ub9de\uac8c \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uc801\uc6a9 \ubc94\uc704\ub97c \uc870\uc815\ud558\ub294 \ubc29\ubc95\uc73c\ub85c \ubc1c\uc804\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n

“UBI\ub294 \ubcf4\ud5d8\ub8cc\ub97c \uc904\uc774\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\ub294 \uc6b4\uc804\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc778\uae30 \uc788\ub294 \uc120\ud0dd\uc77c \ubfd0\ub9cc \uc544\ub2c8\ub77c \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc6b4\uc804\uc790 \uc704\ud5d8\uc744 \ubd84\uc11d\ud558\ub294 \ubc29\ubc95\uc73c\ub85c \ucc44\ud0dd\ud588\uc2b5\ub2c8\ub2e4”\ub77c\uace0 Aeris\uc758 Mohsen Mohensinia<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ub3d9\uc801 UBI\ub294 UBI \uae30\ubc18 \uc704\ud5d8 \ubd84\uc11d\uc744 \uc8fc\ub958\ub85c \uac00\uc838\uc635\ub2c8\ub2e4.\n\uc774\ub97c \ud1b5\ud574 \ubcf4\ud5d8\uc0ac\ub294 \uc6b4\uc804\uc790 \ub370\uc774\ud130\ub97c \uc2e4\uc2dc\uac04\uc73c\ub85c \ucd94\uc801\ud558\uace0 \uc218\uc9d1\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uace0\uac1d\uc740 \ubcf4\ud5d8\ub8cc \ub0a9\ubd80 \uae08\uc561\uc774 \ud1b5\uc81c \uac00\ub2a5\ud55c \ubc94\uc704 \ub0b4\uc5d0 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc744 \uc54c\uace0 \uc2f6\uc5b4\ud569\ub2c8\ub2e4.\n\uac15\ub825\ud558\uace0 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \ub3d9\uc801 UBI \uc2dc\uc2a4\ud15c\uc744 \uac16\ucd98 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uc6b4\uc804 \uc2b5\uad00\uc5d0 \ub300\ud55c \ubcf4\ub2e4 \uc138\ubd84\ud654\ub41c \ub370\uc774\ud130\ub97c \ud655\ubcf4\ud558\uc5ec \uc704\ud5d8\uc744 \uc815\ud655\ud558\uac8c \ud3c9\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

UBI\ub294 \ub370\uc774\ud130 \uc218\uc9d1, \uc804\uc1a1 \ubc0f \ubd84\uc11d\uc5d0 \ud06c\uac8c \uc758\uc874\ud558\uae30 \ub54c\ubb38\uc5d0 \uc5ec\uc804\ud788 \uc0c1\ub2f9\ud55c \uacfc\uc81c\uac00 \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4.\n\ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uc6b4\uc804\uc790 \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud558\ub294 \ubc29\ubc95\uc744 \uc54c\uc544\uc57c \ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc774\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ubd84\uc11d\ud558\uace0 \ubd84\uc11d \uacb0\uacfc\ub97c \uc758\ubbf8 \uc788\ub294 \ubc29\uc2dd\uc73c\ub85c \ud574\uc11d\ud560 \uc218 \uc788\uc5b4\uc57c \ud55c\ub2e4\uace0 NAIC(National Association of Insurance Commissioners)\uc758 Aaron Brandenburg<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uac15\ub825\ud55c \ud50c\ub7ab\ud3fc\uc744 \uac1c\ubc1c\ud558\uba74 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc5d0\uc11c UBI\uc5d0 \ub300\ud55c \uc218\uc694\uc5d0 \ub300\uc751\ud560 \uc218 \uc788\ub294 \ubcf4\ud5d8\uc0ac\uc758 \ub2a5\ub825\uc774 \ud5a5\uc0c1\ub429\ub2c8\ub2e4.\n\ub610\ud55c \uc2a4\ub9c8\ud2b8 \ud648\uc744 \uc704\ud55c UBI \ubcf4\ud5d8 \ubc0f \uc778\ud130\ub137 \uc9c0\uc6d0 \uc13c\uc11c\uac00 \uc788\ub294 \ube44\uc988\ub2c8\uc2a4\uc640 \uac19\uc740 \ub2e4\ub978 \ubd84\uc57c\ub85c \ucc38\uc5ec\ub97c \ud655\ub300\ud569\ub2c8\ub2e4. <\/p>\n\n

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

\ud50c\ub7ab\ud3fc \uacbd\uc81c\uc758 \ubbf8\ub798\ub97c \uc704\ud55c \uc900\ube44<\/h2>\n\n

\ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uc5ec\uc804\ud788 \uc8fc\ub85c \ud30c\uc774\ud504\ub77c\uc778 \ubaa8\ub378 \ub0b4\uc5d0\uc11c \uc124\uc815\ub418\uba70, \uc774 \ubaa8\ub378\uc5d0\uc11c\ub294 \ubcf4\ud5d8\uc0ac\uac00 \ubcf4\ud5d8 \uc0c1\ud488\uc744 \uc124\uacc4\ud558\uace0 \uc774\ub97c \ub300\ub9ac\uc810 \ub610\ub294 \uae30\ud0c0 \uc720\ud1b5\uc5c5\uccb4\uc5d0 \uc804\ub2ec\ud55c \ub2e4\uc74c \uace0\uac1d\uc5d0\uac8c \uc5f0\ub77d\ud569\ub2c8\ub2e4. <\/p>\n\n

\ud50c\ub7ab\ud3fc \uacbd\uc81c\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd98 \uc5f0\uad6c\ub97c \ud558\uace0 \uc788\ub294 \ub2e4\ud2b8\uba38\uc2a4 \ub300\ud559\uc758 \uc81c\ud504\ub9ac \ud30c\ucee4(Geoffrey Parker<\/a>) \uad50\uc218\ub294 \ud50c\ub7ab\ud3fc \uacbd\uc81c\uc758 \ubd80\uc0c1\ubfd0\ub9cc \uc544\ub2c8\ub77c \ud30c\uc774\ud504\ub77c\uc778 \uc790\uccb4\uac00 \ube44\ud6a8\uc728\uc801\uc774\uace0 \uc9c0\uc18d \ubd88\uac00\ub2a5\ud55c \uc591\uc758 \uc790\uc6d0\uc744 \uc694\uad6c\ud558\uae30 \ub54c\ubb38\uc5d0 \uc774 \ubaa8\ub378\uc758 \uc778\uae30\uac00 \ub5a8\uc5b4\uc9c0\uace0 \uc788\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ud50c\ub7ab\ud3fc \uacbd\uc81c\uac00 \ub354 \ud6a8\uc728\uc801\uc774\ub77c\ub294 \ub370 \ub3d9\uc758\ud55c\ub2e4.\n\uc774\uac83\uc774 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc0ac\ub0b4 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uacfc \uac19\uc740 \uae30\uc220 \uc194\ub8e8\uc158\uc73c\ub85c \ub208\uc744 \ub3cc\ub9b0 \uc774\uc720\uc785\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \ubaa8\ub4e0 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uba85\ud655\ud55c \ucd5c\uc885 \ubaa9\ud45c\ub97c \uac00\uc9c0\uace0 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc758 \ucd08\uae30 \ub2e8\uacc4\uc5d0 \uc9c4\uc785\ud55c \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. <\/p>\n\n

\ud50c\ub7ab\ud3fc \uacbd\uc81c\ub294 \uc774\ub7ec\ud55c \uae30\uc5c5\uc744 \uc704\ud55c \uc798 \uc815\uc758\ub41c \uacbd\ub85c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.\n“\ud50c\ub7ab\ud3fc \uacbd\uc81c\uc5d0 \ud6a8\uc728\uc801\uc73c\ub85c \ucc38\uc5ec\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc740 \ubcf4\ud5d8\uc0ac\uc758 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc758 \ub17c\ub9ac\uc801 \ucd5c\uc885 \ubaa9\ud45c\uc785\ub2c8\ub2e4”\ub77c\uace0 EIS Group\uc758 CTO\uc774\uc790 \ubd80\uc0ac\uc7a5\uc778 Mike Dwyer<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc870\uc9c1\uc758 \uc0ac\uc77c\ub85c\ub97c \uc5c6\uc560\uace0 \ub808\uac70\uc2dc \ub370\uc774\ud130\uc5d0 \uc561\uc138\uc2a4\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \ub0b4\ubd80 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc740 \ud50c\ub7ab\ud3fc \uacbd\uc81c\uc5d0\uc11c \uc644\uc804\ud55c \ubc1c\uc804\uc744 \uc774\ub8f9\ub2c8\ub2e4.\n\uc5ec\uae30\uc5d0\uc11c \uc815\ubcf4\ub97c \uc27d\uac8c \ud65c\uc6a9\ud558\uc5ec \uc624\ub298\ub0a0 \uace0\uac1d\uc774 \uc694\uad6c\ud558\ub294 \uad00\uacc4, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4 \ud488\uc9c8\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc6b0\ub9ac\ub294 \uc774\ub97c \uc5fc\ub450\uc5d0 \ub450\uace0 BOLT X<\/a> \ub97c \ub9cc\ub4e4\uc5c8\uc2b5\ub2c8\ub2e4.\nBOLT X\ub294 \uc81c\ud488, \uc11c\ube44\uc2a4 \ubc0f \ud30c\ud2b8\ub108\ub97c \ub2e8\uc77c \ud50c\ub7ab\ud3fc\uc73c\ub85c \ud1b5\ud569\ud558\uc5ec \ub124\ud2b8\uc6cc\ud06c\uc758 \ubaa8\ub4e0 \uce21\uba74\uc5d0 \ub300\ud55c \uac00\uc2dc\uc131\uc744 \ud1b5\ud574 \ub514\uc9c0\ud138 \ubc30\ud3ec\uac00 \uc6d0\ud65c\ud558\uace0 \uc815\ubcf4\ub97c \uc5bb\uc744 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. <\/p>\n\n

\ud50c\ub7ab\ud3fc \uacbd\uc81c\ub294 \uc774\ubbf8 \uc18c\ub9e4 \uc1fc\ud551\uc5d0\uc11c \uc6b4\uc1a1\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uace0\uac1d\uc774 \ub9e4\uc77c \uc0c1\ud638 \uc791\uc6a9\ud558\ub294 \ub9ce\uc740 \ube44\uc988\ub2c8\uc2a4\uc5d0 \ud601\uba85\uc744 \uc77c\uc73c\ucf30\uc2b5\ub2c8\ub2e4.\n\uace0\uac1d\ub4e4\uc774 \ub2e4\ub978 \ubd84\uc57c\uc758 \ud50c\ub7ab\ud3fc\uc5d0 \ucc38\uc5ec\ud558\ub294 \ub370 \uc775\uc219\ud574\uc9d0\uc5d0 \ub530\ub77c \uae30\uc874 \ubcf4\ud5d8 \ud30c\uc774\ud504\ub77c\uc778 \ubaa8\ub378\uc758 \ub2e8\uc810\uc744 \ub354\uc6b1 \uba85\ud655\ud558\uac8c \uc778\uc2dd\ud558\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4.\n\uc774 \ubaa8\ub378\uc5d0\uc11c \ubc97\uc5b4\ub098 \ud50c\ub7ab\ud3fc \uc138\uacc4\ub85c \uc804\ud658\ud558\ub294 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uace0\uac1d\uc774 \uc788\ub294 \uacf3\uc5d0\uc11c \uace0\uac1d\uc744 \ub9cc\ub098\uace0 \uacb0\uacfc\uc801\uc73c\ub85c \ub354 \ucda9\uc131\uc2a4\ub7ec\uc6b4 \uad00\uacc4\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\ub294 \uc704\uce58\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: Antonio Guillem\/\u00a9123RF.com, pinkyone\/\u00a9123RF.com, Varin Rattanaburi\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\uc6b0\ub9ac\uac00 \ube44\uc988\ub2c8\uc2a4\ub97c \uc218\ud589\ud558\ub294 \ubc29\uc2dd\uc740 \uc9c4\ud589 \uc911\uc778 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc5d0 \ub300\uc751\ud558\uace0 \uc774\ub97c \uc9c0\uc18d\ud574 \uc654\uc2b5\ub2c8\ub2e4. \uae30\uc5c5\uc774 \ub514\uc9c0\ud138 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uacfc \ud50c\ub7ab\ud3fc\uc744 \ud65c\uc6a9\ud558\ub294 \uc0c8\ub85c\uc6b4 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud568\uc5d0 \ub530\ub77c \uc6b0\ub9ac \uacbd\uc81c\ub294 \ubb3c\ub9ac\uc801 \uc704\uce58\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc885\uc774 \uc815\ucc45\uacfc \uac19\uc740 \uc720\ud615\uc758 \ud56d\ubaa9\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\uc5d0\uc11c \ubc97\uc5b4\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc5d0\ub294 \ud50c\ub7ab\ud3fc \uacbd\uc81c(platform economy)\uc758 \ubd80\uc0c1\uc774 \ud3ec\ud568\ub418\ub294\ub370, \ud50c\ub7ab\ud3fc \uacbd\uc81c\ub294 \uc624\ud504\ub77c\uc778 \ub9e4\uc7a5\uc774\ub098 \uac1c\ubcc4 \uc0b0\uc5c5\uc774 \uc544\ub2cc \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc744 \uc911\uc2ec\uc73c\ub85c \uacbd\uc81c \ud65c\ub3d9\uc744 […]<\/p>\n","protected":false},"featured_media":6739,"template":"","insight-category":[],"class_list":["post-20848","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/20848","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\/6739"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=20848"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=20848"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}