{"id":18458,"date":"2024-09-19T19:40:44","date_gmt":"2024-09-20T00:40:44","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e4%bf%9d%e9%99%a9%e7%94%9f%e6%80%81%e7%b3%bb%e7%bb%9f%e5%90%88%e4%bd%9c%e4%bc%99%e4%bc%b4%e5%85%b3%e7%b3%bb%e7%9a%84%e5%85%89%e6%98%8e%e6%9c%aa%e6%9d%a5\/"},"modified":"2024-10-29T08:52:49","modified_gmt":"2024-10-29T13:52:49","slug":"%e4%bf%9d%e9%99%a9%e7%94%9f%e6%80%81%e7%b3%bb%e7%bb%9f%e5%90%88%e4%bd%9c%e4%bc%99%e4%bc%b4%e5%85%b3%e7%b3%bb%e7%9a%84%e5%85%89%e6%98%8e%e6%9c%aa%e6%9d%a5","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/%e4%bf%9d%e9%99%a9%e7%94%9f%e6%80%81%e7%b3%bb%e7%bb%9f%e5%90%88%e4%bd%9c%e4%bc%99%e4%bc%b4%e5%85%b3%e7%b3%bb%e7%9a%84%e5%85%89%e6%98%8e%e6%9c%aa%e6%9d%a5\/","title":{"rendered":"\u4fdd\u9669\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u7684\u5149\u660e\u672a\u6765"},"content":{"rendered":"\n<p>\u5f53\u751f\u6001\u7cfb\u7edf\u4f19\u4f34\u5173\u7cfb\u9996\u6b21\u51fa\u73b0\u65f6\uff0c\u5f88\u5c11\u6709\u4fdd\u9669\u516c\u53f8\u5c06\u5176\u89c6\u4e3a\u4e00\u4e2a\u9769\u547d\u6027\u7684\u6982\u5ff5\u3002 \u957f\u671f\u4ee5\u6765\uff0c\u4f01\u4e1a\u4e00\u76f4\u5728\u5171\u540c\u52aa\u529b\uff0c\u4ee5\u5b9e\u73b0\u5171\u540c\u5229\u76ca\u5e76\u89e6\u8fbe\u5171\u540c\u7684\u53d7\u4f17\u3002<\/p>\n\n<p>\u968f\u7740\u751f\u6001\u7cfb\u7edf\u7684\u53d1\u5c55\uff0c\u5b83\u4eec\u8d8a\u6765\u8d8a\u4e0e\u65e7\u7684\u4f19\u4f34\u5173\u7cfb\u6216\u5408\u4f5c\u533a\u5206\u5f00\u6765\u3002 \u5982\u4eca\uff0c\u6210\u529f\u7684\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u5177\u6709\u51e0\u4e2a\u5171\u540c\u7279\u5f81\u3002 \u6b63\u662f\u8fd9\u4e9b\u529f\u80fd\u5c06\u7ee7\u7eed\u5851\u9020\u4fdd\u9669\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u548c\u751f\u6001\u7cfb\u7edf\u8d8b\u52bf\u7684\u589e\u957f\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u4f19\u4f34\u5173\u7cfb\u548c\u751f\u6001\u7cfb\u7edf\uff1a\u6211\u4eec\u5728\u54ea\u91cc<\/h2>\n\n<p>\u4fdd\u9669\u516c\u53f8\u76ee\u524d\u8ba4\u4e3a\u751f\u6001\u7cfb\u7edf\u4f19\u4f34\u5173\u7cfb\u5bf9\u5176\u672a\u6765\u7684\u97e7\u6027\u548c\u6210\u529f\u81f3\u5173\u91cd\u8981\u3002 \u745e\u58eb\u518d\u4fdd\u9669\u7684\u4e00\u9879\u7814\u7a76\u53d1\u73b0\uff0c76% \u7684\u53d7\u8bbf\u4fdd\u9669\u9ad8\u7ba1\u8ba4\u4e3a\uff0c\u201c\u7ade\u4e89\u4f18\u52bf\u4e0d\u4ec5\u4ec5\u53d6\u51b3\u4e8e\u4ed6\u4eec\u7684\u7ec4\u7ec7\uff0c\u800c\u662f\u53d6\u51b3\u4e8e\u4ed6\u4eec\u9009\u62e9\u7684\u5408\u4f5c\u4f19\u4f34\u548c\u751f\u6001\u7cfb\u7edf\u7684\u5b9e\u529b\uff0c\u201d <a href=\"https:\/\/www.swissre.com\/institute\/research\/topics-and-risk-dialogues\/digital-business-model-and-cyber-risk\/Digital-ecosystems.html\" target=\"_blank\" rel=\"noreferrer noopener\">Evangelos Avramakis<\/a> \u7b49\u4eba\u5199\u9053\u3002<\/p>\n\n<p>\u968f\u7740\u4eba\u4eec\u5bf9\u751f\u6001\u7cfb\u7edf\u670d\u52a1\u7684\u5174\u8da3\u589e\u52a0\uff0c\u5bf9\u751f\u6001\u7cfb\u7edf\u76f8\u5173\u4e3b\u9898\u7684\u7814\u7a76\u548c\u63a2\u7d22\u4e5f\u5728\u589e\u52a0\u3002 <a href=\"https:\/\/www.sciencedirect.com\/science\/article\/abs\/pii\/S2212041617300116\" target=\"_blank\" rel=\"noreferrer noopener\">\u51ef\u5c14\u897f\u00b7\u9ea6\u514b\u591a\u8bfa \uff08Kelsey McDonough<\/a>\uff09 \u548c\u5176\u4ed6\u7814\u7a76\u4eba\u5458\u5728 2017 \u5e74\u7684\u4e00\u9879\u7814\u7a76\u53d1\u73b0\uff0c\u5173\u4e8e\u751f\u6001\u7cfb\u7edf\u670d\u52a1\u7684\u8ba8\u8bba\u5728 2010 \u5e74\u4ee3\u672b\u5f00\u59cb\u5174\u8d77\u3002<\/p>\n\n<p>\u4e94\u5e74\u524d\uff0c\u7531\u4e8e\u7f3a\u4e4f\u56f4\u7ed5\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u7684\u6807\u51c6\u5316\u6c9f\u901a\uff0c\u4fdd\u9669\u516c\u53f8\u548c\u5176\u4ed6\u53c2\u4e0e\u8005\u65e0\u6cd5\u5206\u4eab\u60f3\u6cd5\u548c\u6784\u5efa\u6709\u6548\u7684\u7cfb\u7edf\u3002 \u4eca\u5929\uff0c\u901a\u4fe1\u969c\u788d\u8981\u4f4e\u5f97\u591a\u3002 \u65b0\u7684\u6570\u5b57\u5de5\u5177\u548c\u5e73\u53f0\u8fd8\u4f7f\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u4f19\u4f34\u66f4\u5bb9\u6613\u8fdb\u884c\u6c9f\u901a\u548c\u534f\u4f5c\u3002<\/p>\n\n<p>\u5f53\u524d\u7684\u5176\u4ed6\u8d8b\u52bf\u4e5f\u5728\u63a8\u52a8\u751f\u6001\u7cfb\u7edf\u7684\u53d1\u5c55\u3002 \u521b\u65b0\u5e73\u53f0 Plug and Play \u7684\u6295\u8d44\u8005\u517c\u9879\u76ee\u7ecf\u7406 <a href=\"https:\/\/www.plugandplaytechcenter.com\/resources\/trends-that-shaped-the-insurance-industry-in-2021\/\" target=\"_blank\" rel=\"noreferrer noopener\">Matteo Pisani<\/a> \u5199\u9053\uff0c\u6539\u8fdb\u7684 API \u4ee5\u5b9e\u73b0\u66f4\u597d\u7684\u6570\u636e\u5171\u4eab\u3001\u4ece AI \u652f\u6301\u7684\u6570\u636e\u5206\u6790\u4e2d\u83b7\u5f97\u66f4\u6df1\u5165\u7684\u5ba2\u6237\u6d1e\u5bdf\u3001\u57fa\u4e8e AI \u7684\u81ea\u52a8\u5316\u4ee5\u53ca\u5bf9\u53ef\u6301\u7eed\u6027\u7684\u62c5\u5fe7\u90fd\u652f\u6301\u6570\u5b57\u751f\u6001\u7cfb\u7edf\u7684\u5de5\u4f5c\u3002<\/p>\n\n<p>COVID-19 \u5927\u6d41\u884c\u52a0\u901f\u4e86\u5bf9\u6280\u672f\u589e\u957f\u548c\u8fde\u63a5\u6027\u7684\u9700\u6c42\u3002 \u56f4\u7ed5\u6570\u5b57\u73af\u5883\u91cd\u7ec4\u4eba\u7c7b\u4e92\u52a8\u6210\u4e3a\u751f\u6001\u7cfb\u7edf\u4f19\u4f34\u5173\u7cfb\u7684\u81ea\u7136\u6269\u5c55\u7a7a\u95f4\uff0c\u751f\u6001\u7cfb\u7edf\u4f19\u4f34\u5173\u7cfb\u4f9d\u9760\u6570\u5b57\u5e73\u53f0\u548c\u7a7a\u95f4\u5c06\u5ba2\u6237\u548c\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u4f19\u4f34\u805a\u96c6\u5728\u4e00\u8d77\u3002<\/p>\n\n<p>\u75ab\u60c5\u8fd8\u6539\u53d8\u4e86\u4f01\u4e1a\u548c\u5ba2\u6237\u5bf9\u5728\u7ebf\u4e92\u52a8\u7684\u671f\u671b\u3002 \u7531\u4e8e\u5927\u6d41\u884c\uff0c\u201c\u5ba2\u6237\u548c\u5458\u5de5\u7684\u671f\u671b\u5728 18 \u4e2a\u6708\u5185\u7684\u53d8\u5316\u6bd4\u8fc7\u53bb\u4e8c\u5341\u5e74\u66f4\u5927\u201d\uff0c <a href=\"https:\/\/www.pwc.com\/us\/en\/industries\/financial-services\/library\/next-in-insurance-top-issues.html\" target=\"_blank\" rel=\"noreferrer noopener\">Ellen Walsh<\/a> \u548c\u666e\u534e\u6c38\u9053\u7684\u5176\u4ed6\u4f5c\u8005\u5199\u9053\u3002 \u8fd9\u4e9b\u4e0d\u65ad\u53d8\u5316\u7684\u671f\u671b\uff0c\u518d\u52a0\u4e0a\u5927\u6d41\u884c\u7684\u7d27\u8feb\u6027\uff0c\u8feb\u4f7f\u4fdd\u9669\u516c\u53f8\u4ee5\u4e0d\u540c\u7684\u65b9\u5f0f\u601d\u8003\u4ed6\u4eec\u7684\u5de5\u4f5c\u3002 \u751f\u6001\u7cfb\u7edf\u63d0\u4f9b\u4e86\u4e00\u4e2a\u5f88\u6709\u524d\u9014\u7684\u66ff\u4ee3\u65b9\u6848\u3002<\/p>\n\n<p>\u6c14\u5019\u53d8\u5316\u662f\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u516c\u53f8\u9762\u4e34\u7684\u5f53\u524d\u5a01\u80c1\u3002 \u5168\u7403\u6c14\u5019\u53d8\u5316\u7684\u5f71\u54cd\u548c\u901f\u5ea6\u90fd\u7ed9\u4fdd\u9669\u516c\u53f8\u5e26\u6765\u4e86\u538b\u529b\uff0c\u4ed6\u4eec\u9700\u8981\u7406\u89e3\u5e76\u51cf\u8f7b\u524d\u6240\u672a\u6709\u7684\u98ce\u9669\uff0c <a href=\"https:\/\/riskandinsurance.com\/open-insurance-in-financial-ecosystems-is-growing-what-else-is-on-the-horizon-in-2022\/\" target=\"_blank\" rel=\"noreferrer noopener\">Shannon Flynn<\/a> \u5728\u300a\u98ce\u9669\u4e0e\u4fdd\u9669\u300b\u4e2d\u5199\u9053\u3002 \u4eba\u5de5\u667a\u80fd\u548c\u5176\u4ed6\u4f5c\u4e3a\u6570\u5b57\u751f\u6001\u7cfb\u7edf\u57fa\u7840\u7684\u5de5\u5177\u4e5f\u53ef\u7528\u4e8e\u66f4\u597d\u5730\u5e94\u5bf9\u8fd9\u4e9b\u98ce\u9669\u3002<\/p>\n\n<p>\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u4e3a\u4fdd\u9669\u516c\u53f8\u3001\u76f8\u5173\u4f01\u4e1a\u548c\u5ba2\u6237\u5e26\u6765\u4e86\u8bb8\u591a\u597d\u5904\u3002 \u4eca\u5929\uff0c\u53d1\u5c55\u751f\u6001\u7cfb\u7edf\u7684\u52aa\u529b\u96c6\u4e2d\u5728\u540c\u65f6\u4e3a\u6240\u6709\u53c2\u4e0e\u8005\u5e26\u6765\u5229\u76ca\u7684\u9886\u57df\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\/09\/signing-business-contract-1024x683.jpg\" alt=\"\" class=\"wp-image-11634\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-business-contract-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-business-contract-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-business-contract-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-business-contract.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u751f\u6001\u7cfb\u7edf\u4f19\u4f34\u5173\u7cfb\u7684\u53d1\u5c55\u8d8b\u52bf<\/h2>\n\n<p>\u4e1a\u52a1\u4f19\u4f34\u5173\u7cfb\u7684\u5f62\u6210\u59cb\u7ec8\u662f\u4e3a\u4e86\u4e13\u6ce8\u4e8e\u5171\u540c\u7684\u76ee\u6807\u3002 \u5728\u6570\u5b57\u751f\u6001\u7cfb\u7edf\u4e2d\uff0c\u9996\u8981\u76ee\u6807\u662f\u4fc3\u8fdb\u4fe1\u606f\u7684\u5feb\u901f\u4ea4\u6362\u3002 \u5f53\u4fe1\u606f\u968f\u65f6\u53ef\u7528\u4e14\u6613\u4e8e\u5206\u6790\u65f6\uff0c\u5b83\u53ef\u4ee5\u5e94\u7528\u4e8e\u5176\u4ed6\u76ee\u6807\uff0c\u4f8b\u5982\u6539\u5584\u5ba2\u6237\u4f53\u9a8c\u548c\u63a8\u52a8\u589e\u957f\u3002<\/p>\n\n<p><a href=\"https:\/\/www2.deloitte.com\/us\/en\/pages\/consulting\/articles\/insurance-ecosystem-digital-transformation.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u76ee\u524d<\/a>\uff0c\u4fdd\u9669\u516c\u53f8\u5bf9\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u548c\u670d\u52a1\u7684\u5174\u8da3\u5b58\u5728\u4e00\u4e9b\u6311\u6218\uff0c\u5fb7\u52e4\u7684\u53e6\u4e00\u4f4d\u4fdd\u9669\u7b56\u7565\u5e08\u5199\u9053\u3002 \u8fd9\u4e9b\u5305\u62ec\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u5bf9\u65e0\u7f1d\u6570\u5b57\u4f53\u9a8c\u548c\u4fe1\u606f\u8bbf\u95ee\u7684\u9700\u6c42\u3002 \u8fd9\u4e9b\u9700\u6c42\u6765\u81ea\u5ba2\u6237\u548c\u4fdd\u9669\u516c\u53f8\u81ea\u5df1\u7684\u5458\u5de5\u3002<\/li>\n\n\n\n<li>\u4f20\u7edf\u6280\u672f\u7684\u8d1f\u62c5\uff0c\u5305\u62ec\u9700\u8981\u8c03\u6574\u73b0\u6709\u6280\u672f\u57fa\u7840\u8bbe\u65bd\uff0c\u4ee5\u4fbf\u66f4\u5feb\u3001\u66f4\u8f7b\u677e\u5730\u8bbf\u95ee\u5b58\u50a8\u5728\u5176\u4e2d\u7684\u6570\u636e\u3002<\/li>\n\n\n\n<li>\u91cd\u65b0\u601d\u8003\u4f20\u7edf\u4fdd\u9669\u4ea7\u54c1\u7684\u538b\u529b\uff0c\u5c24\u5176\u662f\u5f53\u83b7\u5f97\u6df1\u5165\u7684\u6570\u636e\u6d1e\u5bdf\u53ef\u4ee5\u5f7b\u5e95\u6539\u53d8\u4fdd\u9669\u516c\u53f8\u89e3\u51b3\u98ce\u9669\u548c\u627f\u4fdd\u7684\u65b9\u5f0f\u65f6\u3002<\/li>\n<\/ul>\n\n<p>\u8fd9\u4e9b\u5171\u540c\u7684\u6311\u6218\u6b63\u5728\u5851\u9020\u751f\u6001\u7cfb\u7edf\u6280\u672f\u53d1\u5c55\u7684\u65b9\u5411\u3002 \u5b83\u4eec\u8fd8\u503e\u5411\u4e8e\u63a8\u52a8\u4fdd\u9669\u516c\u53f8\u5bfb\u6c42\u6269\u5c55\u5230\u751f\u6001\u7cfb\u7edf\u7a7a\u95f4\u7684\u95ee\u9898\u3001\u9009\u62e9\u548c\u884c\u4e3a\u3002<\/p>\n\n<p>\u5f53\u4fdd\u9669\u516c\u53f8\u52aa\u529b\u89e3\u51b3\u8fd9\u4e9b\u5e38\u89c1\u95ee\u9898\u65f6\uff0c\u6210\u529f\u56de\u7b54\u8fd9\u4e9b\u95ee\u9898\u7684\u4eba\u5f80\u5f80\u5177\u6709\u5171\u540c\u7684\u7279\u5f81\u3002 \u5b89\u6c38\u7684 <a href=\"https:\/\/www.ey.com\/en_gl\/financial-services-emeia\/ecosystems-in-insurance-what-winners-do-differently\" target=\"_blank\" rel=\"noreferrer noopener\">Chris Payne\u3001Jason Whyte \u548c Peter Manchester<\/a> \u786e\u5b9a\u4e86\u6210\u529f\u7684\u4fdd\u9669\u751f\u6001\u7cfb\u7edf\u7684\u4e03\u4e2a\u5171\u540c\u7279\u5f81\uff1a<\/p>\n\n<ol class=\"wp-block-list\">\n<li>\u4ed6\u4eec\u662f\u7531\u6700\u9ad8\u9886\u5bfc\u5c42\u7684\u627f\u8bfa\u63a8\u52a8\u7684\u3002<\/li>\n\n\n\n<li>\u4ee5\u5ba2\u6237\u4e3a\u4e2d\u5fc3\u7684\u6307\u6807\u548c\u6fc0\u52b1\u63aa\u65bd\u662f\u4ed6\u4eec\u6240\u505a\u7684\u4e00\u5207\u7684\u57fa\u7840\u3002<\/li>\n\n\n\n<li>\u4ed6\u4eec\u4f9d\u8d56\u4e8e\u5f3a\u5927\u7684\u5ba2\u6237\u4fe1\u4efb\u7ebd\u5e26\u3002<\/li>\n\n\n\n<li>\u89e3\u51b3\u771f\u6b63\u7684\u5ba2\u6237\u95ee\u9898\u53ef\u4ee5\u5efa\u7acb\u4fe1\u4efb\u5e76\u5438\u5f15\u5ba2\u6237\u3002<\/li>\n\n\n\n<li>\u4e00\u65e6\u5ba2\u6237\u53c2\u4e0e\u8fdb\u6765\uff0c\u751f\u6001\u7cfb\u7edf\u5c31\u4f1a\u901a\u8fc7\u63d0\u4f9b\u5bf9\u5ba2\u6237\u548c\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u4f19\u4f34\u90fd\u6709\u5229\u7684\u670d\u52a1\u548c\u6d41\u7a0b\u6765\u4fdd\u6301\u4e0e\u5ba2\u6237\u7684\u76f8\u5173\u6027\u3002<\/li>\n\n\n\n<li>\u4ed6\u4eec\u4e86\u89e3\u751f\u6001\u7cfb\u7edf\u7684\u72ec\u7279\u7ecf\u6d4e\u5b66\uff0c\u5e76\u5229\u7528\u8fd9\u4e9b\u5dee\u5f02\u6765\u53d1\u6325\u81ea\u5df1\u7684\u4f18\u52bf\u3002<\/li>\n\n\n\n<li>\u4ed6\u4eec\u4f53\u73b0\u4e86\u7b80\u5316\u5ba2\u6237\u670d\u52a1\u7684\u4e00\u81f4\u5168\u6e20\u9053\u65b9\u6cd5\u3002<\/li>\n<\/ol>\n\n<p>\u5bf9\u4e8e\u8bb8\u591a\u6210\u529f\u7684\u4fdd\u9669\u516c\u53f8\u6765\u8bf4\uff0c\u5efa\u7acb\u6709\u6548\u7684\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u610f\u5473\u7740\u91c7\u7528\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u4f19\u4f34\u548c\u5ba2\u6237\u7684\u89c2\u70b9\u3002 \u901a\u8fc7\u8fd9\u6837\u505a\uff0c\u8fd9\u4e9b\u8fd0\u8425\u5546\u53ef\u4ee5\u8bc6\u522b\u75db\u70b9\u5e76\u90e8\u7f72\u4ed6\u4eec\u7684\u6280\u672f\u8fdb\u6b65\u6765\u89e3\u51b3\u8fd9\u4e9b\u75db\u70b9\u3002 \u901a\u8fc7\u8fd9\u79cd\u65b9\u5f0f\uff0c\u8fd9\u4e9b\u4fdd\u9669\u516c\u53f8\u53d1\u73b0\u4e86\u540c\u65f6\u4e3a\u81ea\u5df1\u3001\u5408\u4f5c\u4f19\u4f34\u3001\u4ee3\u7406\u4eba\u548c\u7ecf\u7eaa\u4eba\u4ee5\u53ca\u5ba2\u6237\u89e3\u51b3\u95ee\u9898\u7684\u65b0\u65b9\u6cd5\u3002<\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"642\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-dinner-toast-1024x642.jpg\" alt=\"\" class=\"wp-image-11624\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-dinner-toast-1024x642.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-dinner-toast-300x188.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-dinner-toast-768x481.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-dinner-toast.jpg 1277w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">2023 \u5e74\u53ca\u4ee5\u540e\u7684\u4fdd\u9669\u751f\u6001\u7cfb\u7edf\u9884\u6d4b<\/h2>\n\n<p>\u8f6c\u578b\u4e3a\u6210\u719f\u7684\u751f\u6001\u7cfb\u7edf\u4fdd\u9669\u516c\u53f8\u662f\u4e00\u9879\u6311\u6218\u3002 Payne\u3001White \u548c Manchester \u5199\u9053\uff0c\u5b89\u6c38\u786e\u5b9a\u7684\u8d8b\u52bf\u6e05\u5355\u201c\u8868\u660e\u9700\u8981\u8fdb\u884c\u6839\u672c\u6027\u7684\u8f6c\u578b\uff0c\u4e0d\u4ec5\u662f\u6280\u672f\uff0c\u8fd8\u5305\u62ec\u5546\u4e1a\u6a21\u5f0f\u3001\u6587\u5316\u548c\u6280\u80fd\u7ec4\u5408\u201d\u3002<\/p>\n\n<p>\u4eba\u5de5\u667a\u80fd \uff08AI\uff09 \u5c06\u7ee7\u7eed\u5728\u8fd9\u4e00\u8f6c\u578b\u4e2d\u53d1\u6325\u4f5c\u7528\u3002 \u201c\u8fd0\u8425\u5546\u5c1a\u672a\u5b8c\u5168\u610f\u8bc6\u5230\u5176\u6570\u636e\u8d44\u4ea7\u7684\u6f5c\u529b\uff0c\u4f8b\u5982\uff0c\u7d22\u8d54\u5386\u53f2\u548c\u5206\u9500\u4e92\u52a8\uff0c\u201d\u9ea6\u80af\u9521\u7684 <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/how-top-tech-trends-will-transform-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Krish Krishnakanthan<\/a> \u548c\u5176\u4ed6\u4f5c\u8005\u5199\u9053\u3002 \u968f\u7740 AI \u7ee7\u7eed\u6210\u4e3a\u6570\u5b57\u5206\u6790\u7684\u5e38\u6001\uff0c\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u4f19\u4f34\u5c06\u627e\u5230\u65b0\u7684\u65b9\u6cd5\u6765\u4f7f\u7528\u6570\u636e\u751f\u6210\u7684\u89c1\u89e3\uff0c\u4e3a\u751f\u6001\u7cfb\u7edf\u53c2\u4e0e\u8005\u548c\u5ba2\u6237\u63d0\u4f9b\u4e92\u60e0\u4e92\u5229\u3002<\/p>\n\n<p>\u9ea6\u80af\u9521\u7684 <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/insurance-blog\/digital-ecosystems-for-insurers-no-one-size-fits-all\" target=\"_blank\" rel=\"noreferrer noopener\">Ulrike Deetjen<\/a> \u8868\u793a\uff0c\u4e3a\u4e86\u83b7\u5f97\u6301\u4e45\u7684\u6210\u529f\uff0c\u4fdd\u9669\u516c\u53f8\u9700\u8981\u5efa\u7acb\u4e00\u4e2a\u80fd\u591f\u652f\u6301\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u5de5\u4f5c\u7684\u6838\u5fc3\u4e1a\u52a1\u3002 \u4f8b\u5982\uff0c\u51cf\u5c11\u6570\u636e\u5b64\u5c9b\u7684\u5f71\u54cd\u4f7f\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u66f4\u597d\u5730\u5229\u7528\u73b0\u6709\u6570\u636e\u96c6\uff0c\u5e76\u5229\u7528\u7531\u6b64\u4ea7\u751f\u7684\u89c1\u89e3\u6765\u6539\u5584\u751f\u6001\u7cfb\u7edf\u4f53\u9a8c\u3002<\/p>\n\n<p>\u751f\u6001\u7cfb\u7edf\u7ecf\u6d4e\u4e3a\u4f01\u4e1a\u589e\u957f\u63d0\u4f9b\u4e86\u4e30\u5bcc\u7684\u673a\u4f1a\u3002 \u603b\u7684\u6765\u8bf4\uff0c\u201c\u5230 2025 \u5e74\uff0c\u96c6\u6210\u7f51\u7edc\u7ecf\u6d4e\u53ef\u80fd\u4ee3\u8868 60 \u4e07\u4ebf\u7f8e\u5143\u7684\u5168\u7403\u6536\u5165\u6c60\uff0c\u201d\u9ea6\u80af\u9521\u7684 <a href=\"https:\/\/www.mckinsey.com\/business-functions\/mckinsey-digital\/our-insights\/how-do-companies-create-value-from-digital-ecosystems\" target=\"_blank\" rel=\"noreferrer noopener\">Miklos Dietz\u3001Hamza Khan \u548c Istvan Rab<\/a> \u9884\u6d4b\u3002 \u867d\u7136\u751f\u6001\u7cfb\u7edf\u4ec5\u5360 2020 \u5e74\u5168\u7403\u603b\u6536\u5165\u7684 1% \u5230 2%\uff0c\u4f46\u4f5c\u8005\u4f30\u8ba1\uff0c\u5230 2025 \u5e74\uff0c\u8fd9\u4e9b\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u53ef\u80fd\u8d21\u732e\u9ad8\u8fbe 30% \u7684\u5168\u7403\u603b\u6536\u5165\u3002<\/p>\n\n<p>\u751f\u6001\u7cfb\u7edf\u6a21\u578b\u7684\u6269\u5c55\u662f\u4e0d\u53ef\u907f\u514d\u7684\u3002 \u751f\u6001\u7cfb\u7edf\u4e3a\u89e3\u51b3\u4fdd\u9669\u516c\u53f8\u5f53\u4eca\u9762\u4e34\u7684\u4e00\u4e9b\u6700\u5927\u95ee\u9898\u63d0\u4f9b\u4e86\u673a\u4f1a\uff0c\u5e76\u4e14\u4ee5\u4f7f\u53c2\u4e0e\u4fdd\u9669\u5173\u7cfb\u7684\u6bcf\u4e2a\u4eba\u90fd\u53d7\u76ca\u7684\u65b9\u5f0f\u89e3\u51b3\u3002<\/p>\n\n<p>\u4e8b\u5b9e\u4e0a\uff0c\u751f\u6001\u7cfb\u7edf\u53ef\u80fd\u6210\u4e3a\u4fdd\u9669\u4e1a\u7684\u65b0\u5e38\u6001\u3002 \u201c\u6839\u636e\u76ee\u524d\u7684\u8d8b\u52bf\uff0c\u6211\u4eec\u9884\u8ba1\u751f\u6001\u7cfb\u7edf\u5c06\u5728\u76f8\u5bf9\u8f83\u8fd1\u7684\u5c06\u6765\u6210\u4e3a\u4e00\u79cd\u4e3b\u8981\u7684\u5546\u4e1a\u6a21\u5f0f\u3002\u901a\u5e38\u60c5\u51b5\u4e0b\uff0c\u4eca\u5929\u611f\u89c9\u521b\u65b0\u7684\u4e1c\u897f\u5f88\u5feb\u5c31\u4f1a\u6210\u4e3a\u57fa\u7ebf\uff0c\u201c <a href=\"https:\/\/www.ey.com\/en_gl\/insurance\/2022-global-insurance-outlook-growing-with-people-purpose-and-tech\" target=\"_blank\" rel=\"noreferrer noopener\">Isabelle Santenac<\/a> \u548c\u5b89\u6c38\u7684\u4e00\u4e2a\u56e2\u961f\u5199\u9053\u3002<\/p>\n\n<p>\u4e0e\u6b64\u540c\u65f6\uff0c\u4e0d\u540c\u65f6\u63a5\u53d7\u751f\u6001\u7cfb\u7edf\u5173\u7cfb\u53ca\u5176\u5e95\u5c42\u6280\u672f\u7684\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u4f1a\u53d1\u73b0\u81ea\u5df1\u5728\u7ade\u4e89\u4e2d\u4e89\u5148\u6050\u540e\u5730\u4fdd\u6301\u76f8\u5173\u6027\u3002 \u201c\u968f\u7740\u521b\u65b0\u53d8\u5f97\u8d8a\u6765\u8d8a\u666e\u904d\uff0c\u4e0d\u521b\u65b0\u7684\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u4f1a\u53d1\u73b0\u81ea\u5df1\u56e0\u9006\u5411\u9009\u62e9\u548c\u8fd0\u8425\u6548\u7387\u6076\u5316\u800c\u5904\u4e8e\u52a3\u52bf\uff0c\u201d\u4fe1\u7528\u8bc4\u7ea7\u673a\u6784\u548c\u6570\u636e\u5206\u6790\u63d0\u4f9b\u5546 AM Best \u7684\u6267\u884c\u526f\u603b\u88c1\u517c\u9996\u5e2d\u8fd0\u8425\u5b98 <a href=\"https:\/\/www.majesco.com\/game-changing-trends-in-2022-for-the-future-of-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Jim Gillard<\/a> \u8bf4\u3002<\/p>\n\n<p>\u534f\u4f5c\u5e76\u4e0d\u662f\u4e00\u4e2a\u65b0\u6982\u5ff5\u3002 \u4eba\u7c7b\u4e00\u76f4\u90fd\u662f\u4e00\u79cd\u793e\u4f1a\u6027\u7269\u79cd\uff0c\u5b81\u613f\u5171\u540c\u5b9e\u73b0\u76ee\u6807\uff0c\u4e5f\u4e0d\u613f\u5b64\u519b\u594b\u6218\u3002 \u4fdd\u9669\u751f\u6001\u7cfb\u7edf\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u5229\u7528\u6570\u5b57\u5de5\u5177\u5b9e\u65bd\u65b0\u89c4\u6a21\u7684\u534f\u4f5c\uff0c\u4f7f\u4fdd\u9669\u516c\u53f8\u3001\u5176\u5408\u4f5c\u4f19\u4f34\u53ca\u5176\u5ba2\u6237\u53d7\u76ca\u3002<\/p>\n\n<p><em>\u56fe\u7247\u6765\u81ea\uff1a langstrup\/\u00a9123RF.com\uff0c nonwarit\/\u00a9123RF.com\uff0c rawpixel\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5f53\u751f\u6001\u7cfb\u7edf\u4f19\u4f34\u5173\u7cfb\u9996\u6b21\u51fa\u73b0\u65f6\uff0c\u5f88\u5c11\u6709\u4fdd\u9669\u516c\u53f8\u5c06\u5176\u89c6\u4e3a\u4e00\u4e2a\u9769\u547d\u6027\u7684\u6982\u5ff5\u3002 \u957f\u671f\u4ee5\u6765\uff0c\u4f01\u4e1a\u4e00\u76f4\u5728\u5171\u540c\u52aa\u529b\uff0c\u4ee5\u5b9e\u73b0\u5171 [&hellip;]<\/p>\n","protected":false},"featured_media":11645,"template":"","insight-category":[],"class_list":["post-18458","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight\/18458","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\/11645"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media?parent=18458"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight-category?post=18458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}