{"id":17957,"date":"2024-09-19T17:21:33","date_gmt":"2024-09-19T22:21:33","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e6%88%bf%e5%b1%8b%e6%89%80%e6%9c%89%e6%9d%83%e8%b6%8b%e5%8a%bf%ef%bc%9a%e7%8e%b0%e4%bb%a3%e6%80%81%e5%ba%a6%e5%af%b9-pc-%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e6%84%8f%e5%91%b3%e7%9d%80%e4%bb%80\/"},"modified":"2024-09-19T17:21:41","modified_gmt":"2024-09-19T22:21:41","slug":"%e6%88%bf%e5%b1%8b%e6%89%80%e6%9c%89%e6%9d%83%e8%b6%8b%e5%8a%bf%ef%bc%9a%e7%8e%b0%e4%bb%a3%e6%80%81%e5%ba%a6%e5%af%b9-pc-%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e6%84%8f%e5%91%b3%e7%9d%80%e4%bb%80","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/%e6%88%bf%e5%b1%8b%e6%89%80%e6%9c%89%e6%9d%83%e8%b6%8b%e5%8a%bf%ef%bc%9a%e7%8e%b0%e4%bb%a3%e6%80%81%e5%ba%a6%e5%af%b9-pc-%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e6%84%8f%e5%91%b3%e7%9d%80%e4%bb%80\/","title":{"rendered":"\u623f\u5c4b\u6240\u6709\u6743\u8d8b\u52bf\uff1a\u73b0\u4ee3\u6001\u5ea6\u5bf9 P&amp;C \u4fdd\u9669\u516c\u53f8\u610f\u5473\u7740\u4ec0\u4e48"},"content":{"rendered":"\n<p>\u51e0\u5341\u5e74\u524d\u5178\u578b\u7684\u7f8e\u56fd\u5bb6\u5ead\u7684\u613f\u666f\u5305\u62ec\u4e24\u4e2a\u7236\u6bcd\u30012.3 \u4e2a\u5b69\u5b50\u3001\u4e00\u53ea\u72d7\u548c\u4e00\u4e2a\u5e26\u6709\u82b1\u56ed\u548c\u6805\u680f\u7684\u5bb6\u3002<\/p>\n\n<p>\u7531\u4e8e\u591a\u79cd\u56e0\u7d20\u7684\u7ed3\u5408\u2014\u2014\u623f\u5730\u4ea7\u548c\u79df\u91d1\u4ef7\u683c\u4e0a\u6da8\u3001\u5b89\u987f\u4e0b\u6765\u7684\u6001\u5ea6\u6539\u53d8\uff0c\u4ee5\u53ca 2008 \u5e74\u7ecf\u6d4e\u8870\u9000\u4e2d\u623f\u5730\u4ea7\u5e02\u573a\u5d29\u6e83\u540e\u5bf9\u6240\u6709\u6743\u7684\u6000\u7591\u2014\u2014\u8fd9\u4e00\u613f\u666f\u5e76\u6ca1\u6709\u5f15\u8d77\u5f53\u4eca\u5e74\u8f7b\u4eba\u7684\u5171\u9e23\u3002<\/p>\n\n<p>\u4e00\u4e2a\u91cd\u8981\u539f\u56e0\uff1a\u623f\u5c4b\u6240\u6709\u6743\u8d8b\u52bf\u6b63\u5728\u53d1\u751f\u53d8\u5316\uff0c\u5bf9\u4e8e\u5e74\u8f7b\u4eba\u6765\u8bf4\uff0c\u4e70\u623f\u5e76\u4e0d\u50cf\u51e0\u5341\u5e74\u524d\u90a3\u6837\u81ea\u7136\u800c\u7136\u3002\n\u4e8b\u5b9e\u4e0a\uff0c <a href=\"http:\/\/www.pewresearch.org\/fact-tank\/2017\/07\/19\/more-u-s-households-are-renting-than-at-any-point-in-50-years\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3<\/a> \u53d1\u73b0\uff0c\u73b0\u5728\u79df\u623f\u7684\u7f8e\u56fd\u5bb6\u5ead\u6bd4\u8fc7\u53bb\u4e94\u5341\u5e74\u4e2d\u7684\u4efb\u4f55\u65f6\u5019\u90fd\u591a\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u7f8e\u56fd\u623f\u5c4b\u6240\u6709\u6743\u8d8b\u52bf\u5982\u4f55\u53d8\u5316<\/h2>\n\n<p>\u6839\u636e\u4eba\u53e3\u666e\u67e5\u5c40\u7684\u6570\u636e\uff0c2016 \u5e74\uff0c\u623f\u5c4b\u62e5\u6709\u7387\u964d\u81f3 50 \u5e74\u6765\u7684\u6700\u4f4e\u70b9\uff0c\u53ea\u6709 63% \u7684\u4eba\u62e5\u6709\u623f\u5c4b\u3002\n\u8fd9\u4f4e\u4e8e 2005 \u5e74 70% \u7684\u5cf0\u503c\uff0c\u6211\u4eec\u73b0\u5728\u77e5\u9053\u8fd9\u5728\u5f88\u5927\u7a0b\u5ea6\u4e0a\u8981\u5f52\u529f\u4e8e\u6b21\u7ea7\u8d37\u6b3e\uff0c\u6700\u7ec8\u5bfc\u81f4\u4e86 2008 \u5e74\u7684\u7ecf\u6d4e\u8870\u9000\u3002 <\/p>\n\n<p>\u62e5\u6709\u7387\u6b63\u5728\u4ece 2016 \u5e74\u7684\u4f4e\u70b9\u7f13\u6162\u4e0a\u5347\uff0c\u7ecf\u6d4e\u5b66\u5bb6 <a href=\"https:\/\/www.wsj.com\/articles\/u-s-homeownership-rate-jumps-from-50-year-low-1501178297\" target=\"_blank\" rel=\"noreferrer noopener\">\u62c9\u5c14\u592b\u00b7\u9ea6\u514b\u52b3\u514b\u6797 \uff08Ralph McLaughlin<\/a> \uff09 \u5c06\u8fd9\u4e00\u6500\u5347\u5f52\u56e0\u4e8e\u623f\u5730\u4ea7\u5d29\u76d8\u7684\u635f\u5bb3\u5f00\u59cb\u9006\u8f6c\u3002\n\u5c3d\u7ba1\u5982\u6b64\uff0c\u6839\u636e\u65af\u5766\u798f\u5927\u5b66\u957f\u5bff\u4e2d\u5fc3\uff08Stanford Center on Longevity\uff09\u7684 <a href=\"https:\/\/www.cnbc.com\/2018\/10\/25\/the-homeownership-rate-is-falling-among-millennials-heres-why.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u5854\u739b\u62c9\u00b7\u897f\u59c6\u65af\uff08Tamara Sims<\/a> \uff09\u53ca\u5176\u540c\u4e8b\u7684\u7814\u7a76\uff0c\u4eca\u5929\u7684\u5e74\u8f7b\u4eba\u62e5\u6709\u623f\u5c4b\u7684\u53ef\u80fd\u6027\u4f4e\u4e8e\u540c\u9f84\u7684\u7236\u6bcd\u3002\n\u5a74\u513f\u6f6e\u4e00\u4ee3\u5728 30 \u5c81\u65f6\u62e5\u6709\u623f\u5c4b\u7684\u6bd4\u4f8b\u4e3a 49%\u3002\n\u5bf9\u4e8e\u5343\u79a7\u4e00\u4ee3\u6765\u8bf4\uff0c\u8fd9\u4e2a\u6570\u5b57\u662f 36%\u3002   <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/house-on-hill-1024x683.jpg\" alt=\"\" class=\"wp-image-5883\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/house-on-hill-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/house-on-hill-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/house-on-hill-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/house-on-hill.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\u73b0\u5728\u62e5\u6709\u623f\u5c4b\u7684\u4eba\u8d8a\u6765\u8d8a\u5c11\uff1f<\/h2>\n\n<p>\u5728\u8fc7\u53bb\u51e0\u5341\u5e74\u4e2d\uff0c\u623f\u5c4b\u6240\u6709\u6743\u8d8b\u52bf\u53d1\u751f\u53d8\u5316\u7684\u539f\u56e0\u5f88\u591a\u4e14\u5c42\u6b21\u5206\u660e\u3002<\/p>\n\n<p>CNBC \u8bb0\u8005 <a href=\"https:\/\/www.cnbc.com\/2018\/10\/25\/the-homeownership-rate-is-falling-among-millennials-heres-why.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u5b89\u59ae\u00b7\u8bfa\u74e6 \uff08Annie Nova<\/a>\uff09 \u6307\u51fa\uff0c\u5176\u4e2d\u4e00\u4e2a\u539f\u56e0\u662f\u4eba\u4eec\u5bf9\u7ed3\u5a5a\u3001\u751f\u5b50\u548c\u5b89\u987f\u4e0b\u6765\u7684\u6587\u5316\u6001\u5ea6\u53d1\u751f\u4e86\u53d8\u5316\u3002\n\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\u7684\u6570\u636e\u663e\u793a\uff0c\u4eba\u4eec\u7684\u7ed3\u5a5a\u5e74\u9f84\u4e2d\u4f4d\u6570\u6b63\u5728\u4e0a\u5347\uff1a2010 \u5e74\uff0c\u53ea\u6709 51% \u7684 18 \u5c81\u4ee5\u4e0a\u7684\u4eba\u7ed3\u5a5a\uff0c\u800c 1960 \u5e74\u4e3a 72%\u3002\n\u7814\u7a76\u4eba\u5458 <a href=\"http:\/\/www.pewsocialtrends.org\/2011\/12\/14\/marriage-rate-declines-and-marriage-age-rises\/\" target=\"_blank\" rel=\"noreferrer noopener\">D&#8217;Vera Cohn<\/a> \u6307\u51fa\uff0c\u957f\u671f\u4ee5\u6765\uff0c\u5a5a\u59fb\u4e00\u76f4\u5728\u5931\u53bb\u201c\u5e02\u573a\u4efd\u989d\u201d\uff0c\u88ab\u540c\u5c45\u7b49\u9009\u62e9\u6240\u53d6\u4ee3\u3002\n\u5bf9\u8bb8\u591a\u5e74\u8f7b\u4eba\u6765\u8bf4\uff0c\u957f\u671f\u7a33\u5b9a\u5e76\u4e0d\u4e00\u5b9a\u610f\u5473\u7740\u914d\u5076\u3001\u5b69\u5b50\u548c\u5bb6\u3002   <\/p>\n\n<p>\u6839\u636e\u76ae\u5c24\u6148\u5584\u4fe1\u6258\u57fa\u91d1 \uff08Pew Charitable Trusts\uff09 \u7684\u6570\u636e\uff0c\u79df\u91d1\u8d1f\u62c5\u662f\u963b\u788d\u4eba\u4eec\u62e5\u6709\u623f\u5c4b\u7684\u53e6\u4e00\u4e2a\u56e0\u7d20\u3002\n2015 \u5e74\uff0c\u8d85\u8fc7\u4e09\u5206\u4e4b\u4e00\u7684\u79df\u623f\u5bb6\u5ead\u201c\u623f\u79df\u8d1f\u62c5\u201d\uff0c\u8fd9\u610f\u5473\u7740\u4ed6\u4eec\u5c06\u7a0e\u524d\u6536\u5165\u7684 30% \u4ee5\u4e0a\u7528\u4e8e\u4f4f\u623f\u6210\u672c\u3002\n\u8fd9\u6bd4 2001 \u5e74\u589e\u52a0\u4e86 19%\u3002\n\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\u7684 <a href=\"https:\/\/www.pewtrusts.org\/en\/about\/news-room\/press-releases-and-statements\/2018\/04\/19\/pew-fewer-families-that-rent-becoming-homeowners-than-in-2001\" target=\"_blank\" rel=\"noreferrer noopener\">Erin Currier<\/a> \u6307\u51fa\uff0c\u5f53\u4e00\u4e2a\u4eba\u7684\u5927\u90e8\u5206\u6536\u5165\u7528\u4e8e\u623f\u79df\u65f6\uff0c\u5c31\u4e0d\u53ef\u80fd\u5b58\u4e0b\u8db3\u591f\u7684\u94b1\u6765\u652f\u4ed8\u623f\u5c4b\u7684\u9996\u4ed8\u3002   <\/p>\n\n<p>\u963b\u788d\u6709\u5e0c\u671b\u7684\u623f\u4e3b\u7684\u4e0d\u4ec5\u4ec5\u662f\u9ad8\u6602\u7684\u79df\u91d1\u4ef7\u683c\u3002\n\u8bb8\u591a\u4eba\u8fd8\u80cc\u8d1f\u7740\u5de8\u989d\u5b66\u751f\u503a\u52a1\u3002\n\u5168\u56fd\u623f\u5730\u4ea7\u7ecf\u7eaa\u4eba\u534f\u4f1a \uff08NAR\uff09 \u548c\u975e\u8425\u5229\u7ec4\u7ec7\u7f8e\u56fd\u5b66\u751f\u63f4\u52a9\u7ec4\u7ec7 2017 \u5e74\u7684\u4e00\u9879\u8054\u5408\u7814\u7a76\u53d1\u73b0\uff0c\u5b66\u751f\u503a\u52a1\u8d1f\u62c5\u4f7f\u5343\u79a7\u4e00\u4ee3\u7684\u623f\u5c4b\u6240\u6709\u6743\u63a8\u8fdf\u4e86\u4e03\u5e74\u3002\nNAR \u7684\u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6 <a href=\"https:\/\/www.prnewswire.com\/news-releases\/student-debt-delaying-millennial-homeownership-by-7-years-300521133.html\" target=\"_blank\" rel=\"noreferrer noopener\">Lawrence Yun<\/a> \u79f0\u8fd9\u79cd\u8d1f\u62c5\u662f\u201c\u5f71\u54cd\u5343\u79a7\u4e00\u4ee3\u4f4f\u623f\u9009\u62e9\u548c\u5176\u4ed6\u91cd\u5927\u4eba\u751f\u51b3\u5b9a\u7684\u8d22\u52a1\u548c\u60c5\u611f\u6210\u672c\u201d\u3002   <\/p>\n\n<h2 class=\"wp-block-heading\">\u5e74\u8f7b\u6d88\u8d39\u8005\u6b63\u5728\u91cd\u65b0\u8bc4\u4f30\u62e5\u6709\u623f\u5c4b\u7684\u4ef7\u503c<\/h2>\n\n<p>\u5373\u4f7f\u4ed6\u4eec\u6ca1\u6709\u80cc\u8d1f\u503a\u52a1\u5e76\u4e14\u6709\u73b0\u91d1\u652f\u4ed8\u9996\u4ed8\uff0c\u8bb8\u591a\u6f5c\u5728\u7684\u623f\u4e3b\u4e5f\u4e0d\u613f\u627f\u62c5\u6295\u8d44\u623f\u5730\u4ea7\u5e26\u6765\u7684\u98ce\u9669\u3002\n\u6839\u636e Redfin \u7684\u4e00\u9879\u7814\u7a76\uff0c\u5bf9\u4e8e\u8bb8\u591a 55 \u5c81\u4ee5\u4e0a\u7684\u4eba\u6765\u8bf4\uff0c\u623f\u5730\u4ea7\u6839\u672c\u4e0d\u88ab\u8ba4\u4e3a\u6709\u592a\u5927\u7684\u98ce\u9669\u3002\n\u4f46\u5bf9\u4e8e 35-44 \u5c81\u5e74\u9f84\u6bb5\u7684\u4e00\u534a\u4ee5\u4e0a\u7684\u4eba\u6765\u8bf4\uff0c\u80a1\u7968\u88ab\u8ba4\u4e3a\u662f\u66f4\u5b89\u5168\u7684\u9009\u62e9\uff0cRedfin \u7684\u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6 <a href=\"https:\/\/www.financial-planning.com\/news\/with-memories-of-housing-crash-older-millennials-prefer-stocks\" target=\"_blank\" rel=\"noreferrer noopener\">\u8fbe\u91cc\u5c14\u00b7\u8d39\u5c14\u97e6\u745f \uff08Daryl Fairweather<\/a>\uff09 \u8bf4\u3002\nFairweather \u89e3\u91ca\u8bf4\uff0c\u8fd9\u53ef\u80fd\u662f\u4ed6\u4eec\u5728\u623f\u5730\u4ea7\u5e02\u573a\u5d29\u6e83\u65f6\u5ea6\u8fc7 20 \u591a\u5c81\u548c 30 \u5c81\u51fa\u5934\u7684\u7ed3\u679c\u3002   <\/p>\n\n<p>\u8fd9\u610f\u5473\u7740\uff0c\u5728\u6295\u8d44\u65b0\u623f\u4e4b\u524d\uff0c\u8bb8\u591a\u5343\u79a7\u4e00\u4ee3\u548c X \u4e16\u4ee3\u5fc5\u987b\u514b\u670d\u4ed6\u4eec\u5bf9\u6240\u770b\u5230\u7684\u5e02\u573a\u5931\u8d25\u7684\u6000\u7591\u3002<\/p>\n\n<p>\u5c3d\u7ba1\u5982\u6b64\uff0c\u53e6\u4e00\u9879 NAR \u7814\u7a76\u8868\u660e\uff0c84% \u7684\u7f8e\u56fd\u4eba\u8ba4\u4e3a\u4e70\u623f\u662f\u4e00\u4e2a\u597d\u7684\u8d22\u52a1\u51b3\u5b9a\u3002\nNAR \u603b\u88c1 <a href=\"https:\/\/www.inman.com\/2017\/07\/12\/americans-still-believe-in-homeownership-despite-affordability-concerns\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5a01\u5ec9\u00b7\u5e03\u6717 \uff08William Brown<\/a>\uff09 \u8bf4\uff0c\u5c3d\u7ba1\u4fdd\u7559\u610f\u89c1\u662f\u53ef\u4ee5\u7406\u89e3\u7684\uff0c\u4f46\u7edd\u5927\u591a\u6570\u4eba\u4ecd\u7136\u6e34\u671b\u6709\u4e00\u5929\u62e5\u6709\u81ea\u5df1\u7684\u5bb6\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/data-analysis-1024x684.jpg\" alt=\"\" class=\"wp-image-5893\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/data-analysis-1024x684.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/data-analysis-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/data-analysis-768x513.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/data-analysis.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u8fd9\u4e9b\u623f\u5c4b\u6240\u6709\u6743\u8d8b\u52bf\u5bf9\u4fdd\u9669\u516c\u53f8\u610f\u5473\u7740\u4ec0\u4e48\uff1f<\/h2>\n\n<p>\u5bf9\u4e8e\u4fdd\u9669\u63d0\u4f9b\u5546\u6765\u8bf4\uff0c\u6709\u4e00\u4e2a\u597d\u6d88\u606f\uff1a\u623f\u5730\u4ea7\u5e02\u573a\u4e3a\u65b0\u4e70\u5bb6\u63d0\u4f9b\u4e86\u5145\u5206\u7684\u7406\u7531\u6765\u514b\u670d\u4ed6\u4eec\u5bf9\u623f\u5c4b\u6240\u6709\u6743\u7684\u4fdd\u7559\u3002<\/p>\n\n<p>\u867d\u7136\u65b0\u4e70\u5bb6\u4ecd\u7136\u65e0\u6cd5\u83b7\u5f97\u8bb8\u591a\u7f8e\u56fd\u5927\u578b\u5e02\u573a\u7684\u623f\u5730\u4ea7\u4ef7\u683c\uff0c\u4f46\u8be5\u56fd\u5176\u4ed6\u5730\u533a\u6709\u5f88\u591a\u4f18\u60e0\u3002\n2018 \u5e74\u7b2c\u4e09\u5b63\u5ea6\uff0c\u4f4f\u623f\u62e5\u6709\u7387\u98d9\u5347\u81f3 64.4%\uff0cGenworth Mortgage Insurance \u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6 <a href=\"https:\/\/www.floridatrend.com\/public\/userfiles\/news\/pdfs\/First-time-Homebuyer-Market-Report.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Tian Liu<\/a> \u8868\u793a\u3002\n\u6839\u636e\u4eba\u53e3\u666e\u67e5\u5c40\u7684\u6570\u636e\uff0c\u8fd9\u4e00\u589e\u957f\u662f\u7531\u9996\u6b21\u8d2d\u623f\u8005\u63a8\u52a8\u7684\u3002  <\/p>\n\n<p>Liu \u8bf4\uff0c\u8fd9\u4ee3\u8868\u4e86\u4e00\u79cd\u8d8b\u52bf\u3002\n\u5927\u591a\u6570\u4eba\u4f1a\u79df\u623f\uff0c\u76f4\u5230\u4ed6\u4eec\u4e70\u5f97\u8d77\u4e3a\u6b62\u3002\n\u56e0\u6b64\uff0c\u5f53\u66f4\u591a\u7684\u4eba\u4e70\u5f97\u8d77\u623f\u5b50\u65f6\uff0c\u5c31\u4f1a\u6709\u66f4\u591a\u7684\u4eba\u4e70\u623f\u3002  <\/p>\n\n<p>\u8fd9\u5bf9\u4fdd\u9669\u516c\u53f8\u53ca\u5176\u623f\u4e3b\u4fdd\u9669\u4ea7\u54c1\u7ebf\u6765\u8bf4\u662f\u4e2a\u597d\u6d88\u606f\u3002\n\u5177\u4f53\u6765\u8bf4\uff0c\u6700\u7ec8\u9996\u6b21\u8d2d\u623f\u8005\u7684\u6d8c\u5165\u610f\u5473\u7740\u5e0c\u671b\u5e2e\u52a9\u65b0\u4e00\u4ee3\u623f\u4e3b\u4fdd\u62a4\u81ea\u5df1\u548c\u6295\u8d44\u7684\u4fdd\u9669\u516c\u53f8\u6709\u673a\u4f1a\u3002 <\/p>\n\n<p>\u4e3a\u4e86\u4e0e\u90a3\u4e00\u4ee3\u623f\u4e3b\u5efa\u7acb\u8054\u7cfb\uff0c\u8fd0\u8425\u5546\u5e94\u7262\u8bb0\u4e24\u4e2a\u8981\u70b9\uff1a<\/p>\n\n<h3 class=\"wp-block-heading\">1. \u4e0d\u8981\u5ffd\u89c6\u79df\u623f\u8005\u4fdd\u9669<\/h3>\n\n<p>\u63d0\u4f9b\u5546\u8fd8\u53ef\u4ee5\u901a\u8fc7\u81ea\u5df1\u6446\u8131 2.3 \u4e2a\u5b69\u5b50\u548c\u6805\u680f\u7684\u613f\u666f\u6765\u5438\u5f15\u65b0\u5ba2\u6237\u3002\n\u4eca\u5929\u5f88\u5c11\u6709\u4eba\u8d70\u5927\u5b66-\u804c\u4e1a-\u5a5a\u59fb-\u62e5\u6709\u623f\u5c4b\u7684\u7b14\u76f4\u9053\u8def\u3002\n\u76f8\u53cd\uff0c\u4eba\u4eec\u79df\u623f\u76f4\u5230\u4e70\u623f\u6210\u4e3a\u4e00\u79cd\u9009\u62e9\u3002  <\/p>\n\n<p>\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u4fdd\u9669\u516c\u53f8\u5e94\u8be5\u8ba4\u771f\u5ba1\u89c6\u4ed6\u4eec\u7684\u79df\u623f\u8005\u4fdd\u9669\u7cfb\u5217\uff0c\u8fd9\u662f\u4e00\u4e2a\u76f8\u5bf9\u5bb9\u6613\u7ade\u4e89\u7684\u4ea7\u54c1\u7c7b\u522b\u3002\nORC International \u8fdb\u884c\u7684 2016 \u5e74 <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">\u4fdd\u9669\u4fe1\u606f\u7814\u7a76\u6240<\/a> \u6c11\u610f\u8c03\u67e5\u53d1\u73b0\uff0c\u867d\u7136 93% \u7684\u623f\u4e3b\u5728\u5bb6\u4e2d\u8d2d\u4e70\u4e86\u4fdd\u9669\uff0c\u4f46\u53ea\u6709 41% \u7684\u79df\u623f\u8005\u4e3a\u4ed6\u4eec\u7684\u8d22\u4ea7\u6295\u4fdd\u3002\n\u8fd9\u662f\u4e00\u5927\u7b14\u94b1\u3002  <\/p>\n\n<p>\u6b64\u5916\uff0c\u79df\u623f\u8005\u4fdd\u9669\u521b\u9020\u4e86\u4e00\u6761\u9014\u5f84\uff0c\u63d0\u4f9b\u5546\u53ef\u4ee5\u901a\u8fc7\u8be5\u9014\u5f84\u5efa\u7acb\u91cd\u8981\u7684\u5ba2\u6237\u5173\u7cfb\u2014\u2014\u8fd9\u79cd\u5173\u7cfb\u751a\u81f3\u5728\u62e5\u6709\u623f\u5c4b\u6210\u4e3a\u4e00\u79cd\u9009\u62e9\u4e4b\u524d\u5f88\u4e45\u5c31\u5df2\u7ecf\u5efa\u7acb\u8d77\u6765\u4e86\u3002\n\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\uff0c\u6b63\u5982 <a href=\"https:\/\/www.forbes.com\/sites\/forbesbusinessdevelopmentcouncil\/2018\/01\/05\/insurance-companies-need-to-adjust-product-and-approach-to-address-millennials\/#2167b10b7a4d\" target=\"_blank\" rel=\"noreferrer noopener\">Maxine Rieman<\/a> \u5728\u300a\u798f\u5e03\u65af\u300b\u4e0a\u6240\u5199\u7684\u90a3\u6837\uff0c\u8fd0\u8425\u5546\u5728\u8425\u9500\u5176\u4ea7\u54c1\u65f6\u4ee5\u4e2a\u4eba\u6d88\u8d39\u8005\u800c\u4e0d\u662f\u6838\u5fc3\u5bb6\u5ead\u4e3a\u76ee\u6807\u662f\u6709\u610f\u4e49\u7684\u3002\n\u4eca\u5929\u7684\u79df\u623f\u8005\u4fdd\u9669\u5ba2\u6237\u53ef\u80fd\u662f\u660e\u5929\u7684\u623f\u4e3b\u4fdd\u9669\u5ba2\u6237\uff0c\u4f46\u90a3\u4e2a\u4eba\u53ef\u80fd\u4e0d\u4f1a\u8bbe\u60f3\u8ba9\u5b69\u5b50\u548c\u5ba0\u7269\u4f4f\u6ee1\u90a3\u4e2a\u5bb6\u3002  <\/p>\n\n<p>\u4e86\u89e3\u8fd9\u4e00\u70b9\u7684\u8fd0\u8425\u5546\u53ef\u4ee5\u66f4\u597d\u5730\u5efa\u7acb\u5fe0\u5b9e\u7684\u5e74\u8f7b\u5ba2\u6237\u7fa4\uff0c\u7136\u540e\u6700\u7ec8\u5e2e\u52a9\u8fd9\u4e9b\u5ba2\u6237\u4ece\u79df\u623f\u8005\u8fc7\u6e21\u5230\u623f\u4e3b\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">2. \u4e3a\u5e74\u8f7b\u5ba2\u6237\u4f18\u5316\u6570\u5b57\u6e20\u9053<\/h3>\n\n<p>\u5bf9\u4e8e\u8fd0\u8425\u5546\u6765\u8bf4\uff0c\u91cd\u8981\u7684\u662f\u8981\u8bb0\u4f4f\uff0c\u8fd9\u4e9b\u5ba2\u6237\u671f\u671b\u83b7\u5f97\u7b80\u5355\u3001\u7b80\u5316\u7684\u670d\u52a1\u4ee5\u53ca\u5b8c\u5584\u7684\u6570\u5b57\u7528\u6237\u4f53\u9a8c\uff0cPropertyCasualty360.com \u7684 <a href=\"https:\/\/www.propertycasualty360.com\/2018\/12\/03\/the-insurance-shopping-habits-of-millennials-gen-z\/?slreturn=20190125145954\" target=\"_blank\" rel=\"noreferrer noopener\">Denny Jacob<\/a> \u5199\u9053\u3002<\/p>\n\n<p><a href=\"https:\/\/www.propertycasualty360.com\/2018\/05\/02\/how-insurance-providers-can-engage-millennials-to\/\" target=\"_blank\" rel=\"noreferrer noopener\">Brett Tabano<\/a> \u4e5f\u5728 PropertyCasualty360.com \u4e0a\u64b0\u6587\u6307\u51fa\uff0c\u5e74\u8f7b\u7684\u8d2d\u623f\u8005\u624b\u91cc\u62ff\u7740\u624b\u673a\u957f\u5927\uff0c\u4ed6\u4eec\u5e0c\u671b\u80fd\u591f\u968f\u65f6\u968f\u5730\u8bbf\u95ee\u4fdd\u9669\u4fe1\u606f\u3002<\/p>\n\n<p>\u8fd0\u8425\u5546\u6709\u5f88\u591a\u673a\u4f1a\u53ef\u4ee5\u5229\u7528\u8fd9\u4e9b\u5ba2\u6237\u7684\u6001\u5ea6\u3002\n\u6b63\u5982 <a href=\"https:\/\/www.forbes.com\/sites\/carisommer\/2017\/04\/04\/why-these-millennials-think-insurance-marketing-needs-a-makeover\/#65afb481325d\" target=\"_blank\" rel=\"noreferrer noopener\">Cari Sommer<\/a> \u5728\u300a\u798f\u5e03\u65af\u300b\u4e0a\u6240\u5199\u7684\u90a3\u6837\uff0c\u623f\u4e3b\u4fdd\u9669\u662f\u4e00\u9879\u4ef7\u503c 1000 \u4ebf\u7f8e\u5143\u7684\u4e1a\u52a1\uff0c\u4f46\u53ea\u6709 6% \u7684\u4fdd\u5355\u5728\u7f51\u4e0a\u9500\u552e\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u5728\u5f53\u4eca\u8425\u9500\u623f\u4e3b\u4fdd\u9669\u65f6\uff0c\u8010\u5fc3\u5f88\u91cd\u8981<\/h2>\n\n<p>\u5343\u79a7\u4e00\u4ee3\u5373\u5c06\u6210\u4e3a <a href=\"https:\/\/www.statista.com\/statistics\/797321\/us-population-by-generation\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6210\u5e74\u4eba\u53e3\u4e2d\u6700\u5927\u7684\u90e8\u5206<\/a>\u3002<\/p>\n\n<p>\u8fd9\u4e00\u4ee3\u4eba\u76ee\u7779\u4e86\u4ed6\u4eec\u7684\u7236\u6bcd\u5728\u5927\u8870\u9000\u671f\u95f4\u82e6\u82e6\u6323\u624e\uff0c\u8fd9\u4f7f\u5f97\u4ed6\u4eec\u5728\u8d22\u52a1\u4e0a\u6301\u8c28\u614e\u6001\u5ea6\u3002\n\u66f4\u91cd\u8981\u7684\u662f\uff0c\u4ed6\u4eec\u66f4\u4e60\u60ef\u4e8e\u7814\u7a76\u5728\u7ebf\u8d2d\u4e70\u3001\u6bd4\u8f83\u4ef7\u683c\u548c\u9605\u8bfb\u7528\u6237\u8bc4\u8bba\uff0c\u800c\u4e0d\u662f\u4f9d\u8d56\u5f53\u5730\u4e13\u4e1a\u4eba\u58eb\u7684\u4e13\u4e1a\u77e5\u8bc6\u3002 <\/p>\n\n<p>\u8d22\u4ea7\u548c\u610f\u5916\u9669\u4fdd\u9669\u516c\u53f8\u5fc5\u987b\u8c03\u6574\u4ed6\u4eec\u7684\u4ea7\u54c1\u548c\u8425\u9500\u7b56\u7565\uff0c\u4ee5\u4e0e\u8fd9\u4e9b\u5e74\u8f7b\u3001\u7cbe\u660e\u7684\u6d88\u8d39\u8005\u5efa\u7acb\u8054\u7cfb\u3002\n\u5343\u79a7\u4e00\u4ee3\u8d2d\u4e70\u7b2c\u4e00\u5957\u623f\u5b50\u7684\u65f6\u95f4\u53ef\u80fd\u6bd4\u524d\u51e0\u4ee3\u4eba\u591a\u4e00\u70b9\uff0c\u4f46\u4fdd\u9669\u516c\u53f8\u73b0\u5728\u6709\u673a\u4f1a\u4e0e\u8fd9\u4e9b\u6d88\u8d39\u8005\u5efa\u7acb\u8054\u7cfb\u2014\u2014\u5f53\u8fd9\u4e9b\u5ba2\u6237\u9700\u8981\u5e2e\u52a9\u4e3a\u4ed6\u4eec\u7684\u7b2c\u4e00\u5957\u623f\u5b50\u6295\u4fdd\u65f6\uff0c\u4ed6\u4eec\u53ef\u4ee5\u5728\u6b63\u786e\u7684\u65f6\u95f4\u51fa\u73b0\u5728\u6b63\u786e\u7684\u5730\u65b9\u3002 <\/p>\n\n<p>_Images\u4eba\uff1a <a href=\"https:\/\/unsplash.com\/@rpnickson\" target=\"_blank\" rel=\"noreferrer noopener\">Roberto Nickson<\/a>\uff0c <a href=\"https:\/\/unsplash.com\/@insolitus\" target=\"_blank\" rel=\"noreferrer noopener\">Rowan Heuvel<\/a>\uff0c <a href=\"https:\/\/unsplash.com\/@helloquence\" target=\"_blank\" rel=\"noreferrer noopener\">Helloquence<\/a> _<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u51e0\u5341\u5e74\u524d\u5178\u578b\u7684\u7f8e\u56fd\u5bb6\u5ead\u7684\u613f\u666f\u5305\u62ec\u4e24\u4e2a\u7236\u6bcd\u30012.3 \u4e2a\u5b69\u5b50\u3001\u4e00\u53ea\u72d7\u548c\u4e00\u4e2a\u5e26\u6709\u82b1\u56ed\u548c\u6805\u680f\u7684\u5bb6\u3002 \u7531\u4e8e\u591a\u79cd\u56e0\u7d20\u7684\u7ed3\u5408 [&hellip;]<\/p>\n","protected":false},"featured_media":5874,"template":"","insight-category":[],"class_list":["post-17957","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight\/17957","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media\/5874"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media?parent=17957"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight-category?post=17957"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}