{"id":21290,"date":"2024-09-30T14:30:48","date_gmt":"2024-09-30T19:30:48","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%ea%b3%a0%ea%b0%9d-%ea%b4%80%ea%b3%84-%ea%b5%ac%ec%b6%95-%eb%b3%b4%ed%97%98-%ed%9a%8c%ec%82%ac%ea%b0%80-%eb%b9%84%ec%9a%a9-%ec%83%81%ec%8a%b9%ec%97%90%ec%84%9c-%ec%82%b4%ec%95%84%eb%82%a8%eb%8a%94\/"},"modified":"2024-11-06T17:31:29","modified_gmt":"2024-11-06T22:31:29","slug":"%ea%b3%a0%ea%b0%9d-%ea%b4%80%ea%b3%84-%ea%b5%ac%ec%b6%95-%eb%b3%b4%ed%97%98-%ed%9a%8c%ec%82%ac%ea%b0%80-%eb%b9%84%ec%9a%a9-%ec%83%81%ec%8a%b9%ec%97%90%ec%84%9c-%ec%82%b4%ec%95%84%eb%82%a8%eb%8a%94","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%ea%b3%a0%ea%b0%9d-%ea%b4%80%ea%b3%84-%ea%b5%ac%ec%b6%95-%eb%b3%b4%ed%97%98-%ed%9a%8c%ec%82%ac%ea%b0%80-%eb%b9%84%ec%9a%a9-%ec%83%81%ec%8a%b9%ec%97%90%ec%84%9c-%ec%82%b4%ec%95%84%eb%82%a8%eb%8a%94\/","title":{"rendered":"\uace0\uac1d \uad00\uacc4 \uad6c\ucd95: \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \ube44\uc6a9 \uc0c1\uc2b9\uc5d0\uc11c \uc0b4\uc544\ub0a8\ub294 \ubc29\ubc95"},"content":{"rendered":"\n

\ubcf4\ud5d8 \uace0\uac1d\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc740 \ub354 \uc774\uc0c1 \ub2e8\uc21c\ud788 \ucd5c\uace0\uc758 \uac00\uaca9\uc744 \uc81c\uc2dc\ud558\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ub300\uc2e0, \uc190\ud574\ubcf4\ud5d8\uc0ac\ub294 \uace0\uac1d\uc5d0\uac8c \ubcf4\ud5d8 \uad00\uacc4\uc758 \ucd1d\uccb4\uc801\uc778 \uac00\uce58\ub97c \ud310\ub9e4\ud558\ub294 \ub370 \uc9d1\uc911\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n

\ucda9\uc131\ub3c4\ub294 \ubcf4\ud5d8\uc744 \ud3ec\ud568\ud55c \ub2e4\uc591\ud55c \uc0b0\uc5c5\uc5d0\uc11c \ud68c\uc0ac-\uace0\uac1d \uad00\uacc4\uc758 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n\n

“\ucda9\uc131\ub3c4\uac00 \uc5c6\uc73c\uba74 \uace0\uac1d\uc758 \uad00\uc2ec\uc744 \uc783\uc744 \uc704\ud5d8\uc774 \uc788\uc73c\uba70, \uad00\uacc4\ub97c \uc18c\uc911\ud788 \uc5ec\uae30\uc9c0 \uc54a\uc73c\uba74 \uace0\uac1d\uc744 \uacbd\uc7c1\uc790\ub85c \ubab0\uc544\uac00\uac8c \ub429\ub2c8\ub2e4.” \uc791\uac00\uc774\uc790 \uc790\uc0b0 \uace0\ubb38\uc778 Ron Carson<\/a> \uc774 Forbes\uc5d0 \uc4f4 \uae00\uc785\ub2c8\ub2e4.<\/p>\n\n

\uace0\uac1d\uacfc \uc9c0\uc18d\uc801\uc778 \uad00\uacc4\ub97c \uad6c\ucd95\ud558\ub294 \uac83\uc740 \ud544\uc218\uc774\uc9c0\ub9cc \uc0c1\ub2f4\uc6d0\uc740 \uc774\ub7ec\ud55c \uc720\ub300\uac10\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud574 \ubb34\uc5c7\uc744 \ud560 \uc218 \uc788\uc744\uae4c\uc694? \ucda9\uc131\ub3c4 \ub192\uc740 \uace0\uac1d \uc720\uce58\ubd80\ud130 \uae30\uc874 \uace0\uac1d\uacfc\uc758 \uc2e0\ub8b0 \uad6c\ucd95\uae4c\uc9c0, \ube44\uc6a9 \uc0c1\uc2b9\uacfc \uc5c5\uacc4\uc758 \ubcc0\ud654 \uc18d\uc5d0\uc11c\ub3c4 \uc11c\ube44\uc2a4\uc758 \uac00\uce58\ub97c \uc804\ub2ec\ud558\ub294 \ubc29\ubc95\uc744 \uc18c\uac1c\ud569\ub2c8\ub2e4.<\/p>\n\n

\ube44\uc6a9 \uc0c1\uc2b9 \ubc0f \uace0\uac1d \ub300\uc751<\/h2>\n\n

\uc190\ud574\ubcf4\ud5d8\uc758 \ube44\uc6a9 \uc0c1\uc2b9\uc740 \ubcf4\ud5d8\ud68c\uc0ac\uc758 \uc9c0\uc18d\uc801\uc778 \uad00\uc2ec\uc0ac\uc785\ub2c8\ub2e4. \ub610\ud55c \ubcf4\ud5d8\uc0ac \uc120\ud0dd \uc2dc \uc804\ubc18\uc801\uc778 \uac00\uce58\ubcf4\ub2e4\ub294 \uac00\uaca9\uc744 \uc6b0\uc120\uc2dc\ud558\uc5ec \uac00\uaca9 \uc778\uc0c1\uc5d0 \ub300\uc751\ud558\ub294 \uace0\uac1d\ub4e4\uc5d0\uac8c\ub3c4 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \uace0\uac1d\uc774 \uac00\uaca9\uc5d0 \ub354 \uc27d\uac8c \uc811\uadfc\ud560 \uc218 \uc788\uace0 \uc628\ub77c\uc778\uc5d0\uc11c \ube44\uad50 \uc1fc\ud551\uc744 \ud560 \uac00\ub2a5\uc131\uc774 \ub192\uc740 \uc624\ub298\ub0a0\uc5d0\ub294 \ud2b9\ud788 \uadf8\ub807\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ube44\uc6a9 \uc0c1\uc2b9: \uc790\ub3d9\ucc28 \ubcf4\ud5d8<\/h3>\n\n

\ube44\uc6a9 \uc0c1\uc2b9\uc73c\ub85c \uc778\ud574 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ub354 \ub9ce\uc740 \uace0\uac1d\uacfc \ub354 \ub192\uc740 \ubcf4\ud5d8\ub8cc\ub97c \uc720\uce58\ud588\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc190\uc2e4\uc744 \ubcf4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, 2017\ub144 State Farm\uc758 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uc0ac\uc5c5\uc740 2016\ub144\uc5d0 \ube44\ud574 28\uc5b5 \ub2ec\ub7ec\uc758 \ubcf4\ud5d8\ub8cc\ub97c \ub354 \uc9d5\uc218\ud558\uace0 16\uc5b5 \ub2ec\ub7ec\uc758 \ube44\uc6a9\uc744 \uc808\uac10\ud588\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 28\uc5b5 \ub2ec\ub7ec\uc758 \uc190\uc2e4\uc744 \uc785\uc5c8\ub2e4\uace0 \uc218\ub9ac\uc5c5\uc790 \uc911\uc2ec \ub274\uc2a4\uc758 John Huetter\ub294<\/a> \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8\uae08 \uccad\uad6c \ube48\ub3c4\uac00 \uac10\uc18c\ud588\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc62c\uc2a4\ud14c\uc774\ud2b8\uc758 \ube0c\ub79c\ub4dc \uc0ac\uc7a5\uc778 Matt Winter\ub294<\/a> 2017\ub144\uc5d0 \ubcf4\ud5d8\uae08 \uc9c0\uae09\uc73c\ub85c \uc885\uacb0\ub41c \uccad\uad6c \uac74\uc218\uac00 5.2% \uac10\uc18c\ud588\ub2e4\uace0 \ubcf4\uace0\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ucca0\uac15 \ubc0f \uae30\ud0c0 \uc218\uc785\ud488\uc5d0 \ub300\ud55c \uad00\uc138\ub294 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \ube44\uc6a9\uc744 \ud3ec\ud568\ud558\uc5ec \uc5ec\ub7ec \uac00\uc9c0 \ube44\uc6a9\uc744 \uc99d\uac00\uc2dc\ud0ac \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uac15\ucca0\uacfc \uac19\uc740 \ucc28\ub7c9 \ubd80\ud488\uc758 \uac00\uaca9\uc774 \uc0c1\uc2b9\ud558\uba74 \uc190\uc0c1\ub41c \ucc28\ub7c9 \ubd80\ud488\uc744 \uc218\ub9ac\ud558\uac70\ub098 \uad50\uccb4\ud558\ub294 \ube44\uc6a9\ub3c4 \uc99d\uac00\ud558\uc5ec \ud574\ub2f9 \ucc28\ub7c9\uc758 \ubcf4\ud5d8 \ubcf4\uc7a5 \ube44\uc6a9\ub3c4 \uc99d\uac00\ud569\ub2c8\ub2e4.<\/p>\n\n

“\uc8fc \uaddc\uc81c \ub2f9\uad6d\uc774 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uc774\ub7ec\ud55c \uc815\ucc45\uc744 \uc644\uc804\ud788 \uc720\uc9c0\ud558\ub294 \ub370 \ud544\uc694\ud55c \uc720\ud615\uc758 \uc694\uc728 \uc778\uc0c1\uc744 \uc2e0\uccad\ud558\ub294 \uac83\uc744 \ubcfc \uc900\ube44\uac00 \ub418\uc5b4 \uc788\ub294\uc9c0 \ud655\uc2e0\ud560 \uc218 \uc5c6\uc73c\uba70 \uc18c\ube44\uc790\uac00 \uac11\uc791\uc2a4\ub7ec\uc6b4 \uac00\uaca9 \uc778\uc0c1\uc744 \ubc1b\uc544\ub4e4\uc77c \uc900\ube44\uac00 \ub418\uc5b4 \uc788\ub2e4\uace0 \uc0dd\uac01\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4”\ub77c\uace0 \ubbf8\uad6d \uc190\ud574\ubcf4\ud5d8\uc0ac\ud611\ud68c(PCIAA)\uc758 Nat Wienecke<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\ube44\uc6a9 \uc0c1\uc2b9: \uc790\uc5f0\uc7ac\ud574<\/h3>\n\n

\ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \uc790\uc5f0\uc7ac\ud574\ub85c \uc778\ud574 \uae30\ub85d\uc801\uc778 \ubcf4\ud5d8 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud588\uc2b5\ub2c8\ub2e4. Aon Benfield\uc640 Impact Forecasting\uc758 \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74 2017\ub144 \uc5f0\uc774\uc740 \uc0b0\ubd88\ub85c \uc778\ud574 140\uc5b5 \ub2ec\ub7ec\uc758 \ubcf4\ud5d8 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud588\uc73c\uba70, \uc774\ub294 \ub2e8\uc77c \uc5f0\ub3c4 \uc0ac\uc0c1 \ucd5c\ub300 \uae08\uc561\uc785\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8\ud68c\uc0ac\ub294 \uc790\uc5f0\uc7ac\ud574\ub85c \uc778\ud574 \uc0c1\ub2f9\ud55c \uc190\uc2e4\uc744 \uc785\uc5c8\uc9c0\ub9cc, 2017\ub144 \uae30\uc900 \uc218\ub9ac \ubc0f \uad50\uccb4 \ube44\uc6a9\uc5d0 \ub300\ud55c \ubcf4\ud5d8\ud68c\uc0ac\uc758 \uae30\uc5ec\ub3c4\ub294 \uc2e4\uc81c \ube44\uc6a9\uc758 3%\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4. \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74 2017\ub144 \ub0a0\uc528 \uad00\ub828 \uc790\uc5f0\uc7ac\ud574\ub85c \uc778\ud55c \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uc9c0 \uc54a\uc740 \ucd1d \ube44\uc6a9\uc740 3,440\uc5b5 \ub2ec\ub7ec\ub85c \uc804\uccb4 \ube44\uc6a9\uc758 97%\ub97c \ub118\uc5b4\uc130\uc2b5\ub2c8\ub2e4.<\/p>\n\n

“\uae30\uc0c1 \uc2dc\ub098\ub9ac\uc624\uc758 \uaddc\ubaa8\uc640 \uc7a0\uc7ac\uc801 \uc601\ud5a5\uc774 \uc810\uc810 \ub354 \ubd88\uc548\uc815\ud574\uc9d0\uc5d0 \ub530\ub77c \uc778\uc2dd\uc744 \ub192\uc774\uace0, \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc744 \uac1c\uc120\ud558\uace0, \ubcf4\ud5d8 \ubcf4\ud638 \uaca9\ucc28\ub97c \uc904\uc774\ub294 \ubc29\ubc95\uc744 \uc2dd\ubcc4\ud558\ub294 \uac83\uc774 \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \uc911\uc694\ud574\uc84c\uc2b5\ub2c8\ub2e4”\ub77c\uace0 Impact Forecasting\uc758 \uae30\uc0c1\ud559\uc790\uc774\uc790 \uc774\uc0ac\uc778 Steve Bowen<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uace0\uac1d \uc751\ub2f5<\/h3>\n\n

\ubcf4\ud5d8 \uaca9\ucc28\ub294 \uc0ac\uace0, \uc790\uc5f0\uc7ac\ud574 \ubc0f \uae30\ud0c0 \uc0ac\uac74\uc73c\ub85c \uc778\ud574 \ubcf4\ud5d8\uc73c\ub85c \ubcf4\uc0c1\ub418\uc9c0 \uc54a\ub294 \uacbd\uc81c\uc801 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud560 \ub54c \ubc1c\uc0dd\ud569\ub2c8\ub2e4. \uc774 \uaca9\ucc28\ub294 \uc790\uc5f0\uc7ac\ud574\uac00 \ubc1c\uc0dd\ud55c \ud6c4 \uc9c0\uc5ed \uc0ac\ud68c\ub098 \uad6d\uac00\uc758 \ud68c\ubcf5 \ub2a5\ub825\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4\uace0 \uc704\ud5d8 \ubc0f \ubcf4\ud5d8\uc758 \ubbf8\uc178 \ucee4\ub294<\/a> \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8\uc5d0 \uac00\uc785\ud560 \uc218 \uc788\uc9c0\ub9cc \uc804\ubd80\ub294 \uc544\ub2c8\ub354\ub77c\ub3c4 \uc77c\ubd80\ub77c\ub3c4 \ubcf4\ud5d8\uae08\uc744 \uc9c0\uae09\ud558\uc9c0 \uc54a\uae30\ub85c \uc120\ud0dd\ud55c \uace0\uac1d. \uc774\ub7ec\ud55c \uace0\uac1d \uc911 \uc0c1\ub2f9\uc218\ub294 \ubcf4\ud5d8\uc774 \uc81c\uacf5\ud558\ub294 \uac00\uce58\ub97c \uc774\ud574\ud558\uc9c0 \ubabb\ud574 \ubcf4\ud5d8\uc744 \ud3ec\uae30\ud558\uac70\ub098 \ud544\uc694\ud55c \uac83\ubcf4\ub2e4 \uc801\uc740 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud569\ub2c8\ub2e4. \ubcf4\ud5d8\uc740 \ubd88\ud544\uc694\ud55c \ube44\uc6a9\ucc98\ub7fc \ub290\uaef4\uc9c0\uae30 \ub54c\ubb38\uc5d0 \uace0\uac1d\ub4e4\uc740 \ubcf4\ud5d8 \uac00\uc785\uc744 \uae30\ud53c\ud569\ub2c8\ub2e4.<\/p>\n\n

\ub514\uc9c0\ud138\ud654 \ub355\ubd84\uc5d0 \uc624\ub298\ub0a0 \uace0\uac1d\ub4e4\uc740 \uc9c0\ub09c \uc218\uc2ed \ub144 \ub3d9\uc548\ubcf4\ub2e4 \ub354 \ub9ce\uc740 \uc815\ubcf4\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\uac8c \ub418\uc5c8\ub2e4\uace0 \ub9e5\ud0a8\uc9c0\uc758 \ud1a0\ub0d0 \ud504\ub808\uc774\uc194\ud2b8\uc640<\/a> \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc740 \ub9d0\ud569\ub2c8\ub2e4. \uace0\uac1d\ub4e4\uc740 \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \ube44\uad50 \uc1fc\ud551\uc744 \uc798 \ud560 \uc218 \uc788\uc73c\uba70, \ubcf4\ud5d8\uc744 \uad6c\ub9e4\ud560 \ub54c \uac00\uaca9\uc774 \uac00\uc7a5 \ud070 \uad00\uc2ec\uc0ac\uc785\ub2c8\ub2e4. <\/p>\n\n

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

P&C \ubcf4\ud5d8\uc5d0\uc11c \uace0\uac1d\uc758 \uac00\uce58\ub294 \ubb34\uc5c7\uc785\ub2c8\uae4c?<\/h2>\n\n

\uac00\uaca9 \uc678\uc5d0\ub3c4 \uace0\uac1d\uc740 \uc810\uc810 \ub354 \uc88b\uc740 \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc744 \uc911\uc694\ud558\uac8c \uc0dd\uac01\ud569\ub2c8\ub2e4.<\/p>\n\n

“\uace0\uac1d\ub4e4\uc740 \ub2e8\uc21c\ud568\uacfc \uba85\ud655\uc131\uc744 \uc6d0\ud569\ub2c8\ub2e4.”\ub77c\uace0 Munich Re Group\uc758 \uc62c\ub77c\ud504 \ud504\ub7ad\ud06c\ub294<\/a> \ub9d0\ud569\ub2c8\ub2e4. \ub610\ud55c \uace0\uac1d\uc740 \uc790\uc2e0\uc774 \uad6c\ub9e4\ud558\ub294 \uc0c1\ud488\uacfc \uadf8 \uc774\uc720\uc5d0 \ub300\ud574 \ub354 \ube44\ud310\uc801\uc774\ub77c\uace0 \ub367\ubd99\uc785\ub2c8\ub2e4. \ud22c\uba85\uc131\uc740 \uacc4\uc57d\uc744 \uc774\ud574\ud558\ub824\ub294 \uace0\uac1d\ubfd0\ub9cc \uc544\ub2c8\ub77c \ubcf4\ud5d8\uc774 \uc5b4\ub5a4 \uac00\uce58\ub97c \uc81c\uacf5\ud558\ub294\uc9c0 \uc774\ud574\ud558\ub824\ub294 \uace0\uac1d\uc5d0\uac8c\ub3c4 \uc694\uad6c\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc740 \uace0\uac1d\uc774 \uc5b4\ub5a4 \uc720\ud615\uc758 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\ub294\uc9c0\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc77c\ubd80 \uace0\uac1d\uc740 \uc5ec\ud589\uc790 \ubcf4\ud5d8\uacfc \uac19\uc774 \ud2b9\uc815 \uacbd\ud5d8\uc744 \ud5a5\uc0c1\uc2dc\ud0ac \uc218 \uc788\ub294 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud560 \uc218 \uc788\ub2e4\uace0 \uc18c\ube44\uc790 \uc639\ud638\uc790\uc778 \ud06c\ub9ac\uc2a4\ud1a0\ud37c \uc5d8\ub9ac\uc5c7\uc740<\/a> \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc5d8\ub9ac\uc5c7\uc740 \uace0\uac1d\uc774 \ubcf4\ud5d8\uc0ac\ub85c\ubd80\ud130 \uc88b\uc740 \uace0\uac1d \uc11c\ube44\uc2a4\ub97c \ubc1b\uc744 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4. “\ucd5c\uace0\uc758 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ub354 \ub098\uc740 \uace0\uac1d \uc11c\ube44\uc2a4\uac00 \uc911\uc694\ud558\ub2e4\ub294 \uac83\uc744 \uc798 \uc54c\uace0 \uc788\uc73c\uba70, \uc774\ub97c \ub3d5\uae30 \uc704\ud574 \ub178\ub825\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.”<\/p>\n\n

\uc18c\ube44\uc790\ub4e4\uc740 \uc5ec\uc804\ud788 \uc6d0\ud558\ub294 \uc815\ubcf4\uc640 \uace0\uac1d \uad00\uacc4\ub97c \uc5bb\uae30 \uc704\ud574 \ubcf4\ud5d8 \uc5d0\uc774\uc804\ud2b8\ub97c \ucc3e\uace0 \uc788\ub2e4\uace0 US News & World Report\uc758 Maryalene LaPonsie\ub294<\/a> \ub9d0\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc628\ub77c\uc778 \ubcf4\ud5d8 \uc1fc\ud551\uc744 \uc120\ud638\ud558\ub294 \uace0\uac1d\ub4e4\uc740 \uc5ec\uc804\ud788 \uc774\ud574\ud558\uae30 \uc26c\uc6b4 \uac1c\uc778\ud654\ub41c \uad00\uacc4\ub97c \uc911\uc694\ud558\uac8c \uc0dd\uac01\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc5b4\ub5a4 \uacbd\uc6b0\uc5d0\ub294 \uace0\uac1d\uc774 \uac00\uc7a5 \uc911\uc694\ud558\uac8c \uc5ec\uae30\ub294 \uac83\uc774 \uc7ac\ub09c\uc774 \ubc1c\uc0dd\ud558\uae30 \uc804\uc5d0\ub294 \uadf8 \ud544\uc694\uc131\uc744 \uae68\ub2eb\uc9c0 \ubabb\ud558\ub294 \uac83, \uc989 \uc548\uc804\ud558\ub2e4\uace0 \ub290\ub07c\ub294 \uac83\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. 2018\ub144 \uce98\ub9ac\ud3ec\ub2c8\uc544 \uc8fc \uc758\ud68c\ub294 \ubcf4\ud5d8\uc0ac\uac00 \uc0c1\uc138\ud55c \ubaa9\ub85d \uc791\uc131 \uc5c6\uc774\ub3c4 \ubcf4\ud5d8 \uac00\uc785\uc790\uc758 \ub0b4\uc6a9\ubb3c \ub610\ub294 \uac1c\uc778 \uc7ac\uc0b0 \ubcf4\uc0c1\uc561\uc758 80% \uc774\uc0c1\uc744 \uc9c0\uae09\ud558\ub3c4\ub85d \ud558\ub294 \ubc95\uc548\uc744 \uace0\ub824\ud588\uc2b5\ub2c8\ub2e4. \uc0cc\ud504\ub780\uc2dc\uc2a4\ucf54 \ud06c\ub85c\ub2c8\ud074\uc758 \uce90\uc2ac\ub9b0 \ud39c\ub354\ub294<\/a> \uc774\ub7ec\ud55c \ubc95\uc548\uc774 \ud1b5\uacfc\ub41c \uc774\uc720\uc5d0 \ub300\ud574 \uc7ac\uc559\uc73c\ub85c \uc778\ud55c \uc2ec\ub9ac\uc801 \ud2b8\ub77c\uc6b0\ub9c8\ub97c \uac00\uc911\uc2dc\ud0ac \uc218 \uc788\uae30 \ub54c\ubb38\uc774\ub77c\uace0 \uc124\uba85\ud569\ub2c8\ub2e4. <\/p>\n\n

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

\uace0\uac1d\uc5d0\uac8c \uac00\uce58 \uc804\ub2ec<\/h2>\n\n

\ube44\uc6a9 \uc0c1\uc2b9\uc5d0 \ub300\uc751\ud558\uc5ec \uc77c\ubd80 \uc190\ud574\ubcf4\ud5d8\uc0ac\ub294 \ud2b9\uc815 \uc720\ud615\uc758 \ubcf4\ud5d8 \uc81c\uacf5\uc744 \uc911\ub2e8\ud558\uac70\ub098 \ube44\uac31\uc2e0\uc728\uc744 \ub192\uc774\uac70\ub098 \ubcf4\ud5d8\ub8cc \uc778\uc0c1\uc744 \ud1b5\ud574 \uace0\uac1d \uc774\ud0c8\uc744 \uc6b0\ub824\ud558\uc5ec \uc190\uc2e4\uc744 \uac10\ub2f9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc8fc \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \ud68c\uc0ac\uc758 \uc0c1\uc5c5\uc6a9 \ub77c\uc778 \uc81c\ud488 \ub514\ub809\ud130\uc778 Greg Rose\ub294<\/a> \ubcf4\ud5d8\ub8cc \uc778\uc0c1\uc744 \uc644\uc804\ud788 \ud53c\ud560 \uc218\ub294 \uc5c6\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

“\uc190\uc2e4 \ucd94\uc138\ub97c \ub530\ub77c\uc7a1\uae30 \uc704\ud574 \ud544\uc694\ud55c \uc694\uae08 \uc778\uc0c1 \ubc0f \uc778\uc218 \ubcc0\uacbd\uc744 \ucde8\ud55c \ud56d\uacf5\uc0ac\uc640 \uadf8\ub807\uc9c0 \uc54a\uc740 \ud56d\uacf5\uc0ac \uac04\uc5d0 \ucc28\uc774\uac00 \uc788\ub294 \uac83 \uac19\uc2b5\ub2c8\ub2e4. \ubcc0\ud654\ub97c \uc774\ub8e8\uc9c0 \uc54a\uace0 \uc9d5\ud6c4\ub97c \ubb34\uc2dc\ud558\uace0 \uc804\uccb4\uc801\uc778 \uacc4\ud68d\uc744 \uc0b4\ud3b4\ubcf4\ub294 \uc0ac\ub78c\ub4e4\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uc0c1\ucc98\ub97c \uc785\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4”\ub77c\uace0 Rose\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\ub2e8\uae30\uc801\uc778 \uace0\uac1d \uc6b0\ub824\uc640 \uc7a5\uae30\uc801\uc778 \uc131\uc7a5 \ubc0f \uc9c0\uc18d \uac00\ub2a5\uc131\uc758 \uade0\ud615\uc744 \ub9de\ucd94\uae30 \uc704\ud574 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uace0\uac1d\uc5d0\uac8c \uac00\uce58\ub97c \uc804\ub2ec\ud568\uc73c\ub85c\uc368 \uc911\ub3c4\uc801\uc778 \uae38\uc744 \ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n

\uae30\uc220\uc5ed\ub7c9<\/h3>\n\n

PropertyCasualty360\uc758 Joe Beneducci<\/a> \ub294 \uace0\uac1d\uc5d0\uac8c \uac00\uce58\ub97c \uc785\uc99d\ud558\uace0\uc790 \ud558\ub294 \ubcf4\ud5d8 \ud68c\uc0ac\uc5d0\uac8c\ub294 \uc0ac\uc6a9\uc790 \uce5c\ud654\uc801\uc778 \ud1b5\ud569 \uae30\uc220 \uc811\uadfc \ubc29\uc2dd\uc774 \ud544\uc218\uc801\uc774\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc778\uacf5\uc9c0\ub2a5 \ubc0f \uba38\uc2e0\ub7ec\ub2dd\uacfc \uac19\uc740 \ub3c4\uad6c\ub294 \uace0\uac1d\uc774 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uac70\ub098 \ubcf4\ud5d8\uae08\uc744 \uccad\uad6c\ud558\ub294 \uacfc\uc815\uc744 \uc6d0\ud65c\ud558\uac8c \uc9c4\ud589\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\uba70, \uc774\ub7ec\ud55c \ud3b8\uc758\uc131\uc740 \uc804\uccb4 \ud504\ub85c\uc138\uc2a4\uc5d0 \uac00\uce58\ub97c \ub354\ud558\uace0 \uace0\uac1d \uad00\uacc4\ub97c \uac15\ud654\ud569\ub2c8\ub2e4. \ud1b5\ud569 \ubcf4\ud5d8\uc0ac \ud50c\ub7ab\ud3fc\uc740 \ubcf4\ud5d8\uc0ac \uc9c1\uc6d0\uc774 \uace0\uac1d\uc744 \ub3d5\ub294 \ub370 \ud544\uc694\ud55c \ubaa8\ub4e0 \uc815\ubcf4\ub97c \ud655\ubcf4\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud558\uc5ec \uad00\ub828\ub41c \ubaa8\ub4e0 \uc0ac\ub78c\uc774 \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc774\uace0 \uce5c\uadfc\ud558\uac8c \ubcf4\ud5d8\uae08 \uccad\uad6c\ub97c \ucc98\ub9ac\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc90d\ub2c8\ub2e4. <\/p>\n\n

\uc0c1\ud669 \uc778\uc2dd<\/h3>\n\n

PropertyCasualty360\uc758 \uc874 \uadf8\ub808\uc774\uc5c4\uc740<\/a> \uc0c8\ub85c\uc6b4 \uace0\uac1d \uad00\uacc4\ub97c \uc0c8 \ucc28 \uad6c\uc785\uc5d0 \ube44\uc720\ud569\ub2c8\ub2e4. \ucc98\uc74c\uc5d0\ub294 \uc88b\uc9c0\ub9cc \uc2dc\uac04\uc774 \uc9c0\ub098\uba74 \uc0ac\uc18c\ud55c \uc9dc\uc99d\uc774 \uc313\uc774\uae30 \uc2dc\uc791\ud569\ub2c8\ub2e4. \ubd80\uc7ac\uc911 \uc804\ud654\uc640 \uac19\uc740 \uc0ac\uc18c\ud55c \ub9c8\ucc30\uc758 \uc6d0\uc778\uc744 \ud30c\uc545\ud568\uc73c\ub85c\uc368 \ubcf4\ud5d8\uc0ac\ub294 \uc9dc\uc99d\uc744 \uc904\uc774\uace0 \uad00\uacc4\uc5d0 \uac00\uce58\ub97c \ub354\ud560 \uc218 \uc788\ub2e4\uace0 Graham\uc740 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc774\ub7ec\ud55c \uad00\uacc4\ub97c \uc6d0\ud65c\ud558\uac8c \ud558\ub294 \ud55c \uac00\uc9c0 \ubc29\ubc95\uc740 \uc0ac\uc6a9\ud558\uae30 \uc26c\uc6b4 \uc6f9\uc0ac\uc774\ud2b8\uc640 \ubaa8\ubc14\uc77c \uc571\uc744 \uc774\uc6a9\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ubcf4\ud5d8 \uc815\ubcf4 \uc5f0\uad6c\uc18c\uc758 \ub9c8\ub9ac\uc544 \uc0ac\uc2dc\uc548\uc740<\/a> Comscore\uc640 Facebook\uc758 \uc870\uc0ac\uc5d0 \ub530\ub974\uba74 64%\uc758 \uace0\uac1d\uc774 \uc628\ub77c\uc778\uc73c\ub85c \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc744 \uc870\uc0ac\ud558\uc9c0\ub9cc \uc2e4\uc81c\ub85c \ubcf4\ud5d8\uc744 \uad6c\ub9e4\ud558\ub294 \ube44\uc728\uc740 \uc808\ubc18\ub3c4 \ub418\uc9c0 \uc54a\ub294\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4(III). \uc751\ub2f5\uc790\uc758 25%\ub294 \uc88b\uc740 \uc6f9\uc0ac\uc774\ud2b8\uac00 \ubcf4\ud5d8\uc0ac \uc120\ud0dd\uc5d0 \uc601\ud5a5\uc744 \ubbf8\ucce4\ub2e4\uace0 \ub2f5\ud55c \ubc18\uba74, 15%\ub294 \uc88b\uc740 \ubaa8\ubc14\uc77c \uc571\uc774 \ubcf4\ud5d8\uc0ac \uc120\ud0dd\uc5d0 \uc601\ud5a5\uc744 \ubbf8\ucce4\ub2e4\uace0 \ub2f5\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub9de\ucda4\ud615 \uc804\ub7b5<\/h3>\n\n

\uac00\uce58\ub97c \uc804\ub2ec\ud558\uae30 \uc704\ud55c \ucd5c\uc120\uc758 \uc804\ub7b5\uc740 \ud68c\uc0ac\ub9c8\ub2e4 \ub2e4\ub974\uc9c0\ub9cc, \uac01 \uc811\uadfc \ubc29\uc2dd\uc740 \ud1b5\ud569\uc801\uc774\uace0 \ud3ec\uad04\uc801\uc774\uc5b4\uc57c \ud55c\ub2e4\uace0 Blue Corona\uc758 \ubcb3\uc2dc \ub9e5\ub808\uc624\ub4dc\ub294<\/a> \ub9d0\ud569\ub2c8\ub2e4. “\uacbd\uc7c1\uc774 \uce58\uc5f4\ud55c \uc2dc\uc7a5\uc5d0\uc11c \ub208\uc5d0 \ub744\uc5b4\uc57c\ub9cc \uc131\uc778\ub4e4\uc774 \ub2e4\ub978 \ubcf4\ud5d8\uc0ac\ubcf4\ub2e4 \uc5ec\ub7ec\ubd84\uc758 \ubcf4\ud5d8\uc0ac\ub97c \uc120\ud0dd\ud560 \uac83\uc785\ub2c8\ub2e4. \ud55c \ubc88\uc758 \ub9c8\ucf00\ud305 \ucea0\ud398\uc778\uc73c\ub85c\ub294 \ucda9\ubd84\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.” <\/p>\n\n

\ub300\uc2e0 \ubcf4\ud5d8\uc0ac\ub294 \uc790\uc2e0\uc774 \uac00\uc7a5 \uc798\ud558\ub294 \uac83\uc774 \ubb34\uc5c7\uc778\uc9c0 \uc0b4\ud3b4\ubcf8 \ub2e4\uc74c \ud574\ub2f9 \uc815\ubcf4\ub97c \uace0\uac1d\uacfc \uacf5\uc720\ud574\uc57c \ud569\ub2c8\ub2e4. \ubcf4\ud5d8\ud68c\uc0ac\uc640 \uace0\uac1d\uc774 \uc0c1\ud638 \uc774\uc775\uc774 \ub418\ub294 \uad00\uacc4\ub97c \ub9fa\uc73c\uba74 \uc5b4\ub824\uc6b4 \ubcf4\ud5d8 \ud658\uacbd\uc5d0\uc11c\ub3c4 \ubaa8\ub450 \uc131\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

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

\ubcf4\ud5d8 \uace0\uac1d\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc740 \ub354 \uc774\uc0c1 \ub2e8\uc21c\ud788 \ucd5c\uace0\uc758 \uac00\uaca9\uc744 \uc81c\uc2dc\ud558\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ub300\uc2e0, \uc190\ud574\ubcf4\ud5d8\uc0ac\ub294 \uace0\uac1d\uc5d0\uac8c \ubcf4\ud5d8 \uad00\uacc4\uc758 \ucd1d\uccb4\uc801\uc778 \uac00\uce58\ub97c \ud310\ub9e4\ud558\ub294 \ub370 \uc9d1\uc911\ud574\uc57c \ud569\ub2c8\ub2e4. \ucda9\uc131\ub3c4\ub294 \ubcf4\ud5d8\uc744 \ud3ec\ud568\ud55c \ub2e4\uc591\ud55c \uc0b0\uc5c5\uc5d0\uc11c \ud68c\uc0ac-\uace0\uac1d \uad00\uacc4\uc758 \uc911\uc694\ud55c \uc694\uc18c\uc785\ub2c8\ub2e4. “\ucda9\uc131\ub3c4\uac00 \uc5c6\uc73c\uba74 \uace0\uac1d\uc758 \uad00\uc2ec\uc744 \uc783\uc744 \uc704\ud5d8\uc774 \uc788\uc73c\uba70, \uad00\uacc4\ub97c \uc18c\uc911\ud788 \uc5ec\uae30\uc9c0 \uc54a\uc73c\uba74 \uace0\uac1d\uc744 \uacbd\uc7c1\uc790\ub85c \ubab0\uc544\uac00\uac8c \ub429\ub2c8\ub2e4.” \uc791\uac00\uc774\uc790 \uc790\uc0b0 \uace0\ubb38\uc778 Ron Carson \uc774 Forbes\uc5d0 \uc4f4 […]<\/p>\n","protected":false},"featured_media":5504,"template":"","insight-category":[],"class_list":["post-21290","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/21290","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\/5504"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=21290"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=21290"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}