{"id":18500,"date":"2024-09-19T19:41:15","date_gmt":"2024-09-20T00:41:15","guid":{"rendered":"https:\/\/bolttech.io\/insight\/2023-%e5%b9%b4%e5%8f%8a%e4%bb%a5%e5%90%8e%e7%9a%84%e4%bf%9d%e9%99%a9%e8%b6%8b%e5%8a%bf\/"},"modified":"2024-09-19T19:41:22","modified_gmt":"2024-09-20T00:41:22","slug":"2023-%e5%b9%b4%e5%8f%8a%e4%bb%a5%e5%90%8e%e7%9a%84%e4%bf%9d%e9%99%a9%e8%b6%8b%e5%8a%bf","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/2023-%e5%b9%b4%e5%8f%8a%e4%bb%a5%e5%90%8e%e7%9a%84%e4%bf%9d%e9%99%a9%e8%b6%8b%e5%8a%bf\/","title":{"rendered":"2023 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class=\"wp-block-heading\">\u4fdd\u9669\u8d8b\u52bf\uff1a\u5927\u5c40\u89c2<\/h2>\n\n<p>\u4fdd\u9669\u516c\u53f8\u6240\u5904\u7684\u53d8\u5316\u6f6e\u6d41\u53ef\u4ee5\u5206\u4e3a\u4e09\u7c7b\uff1a<\/p>\n\n<h3 class=\"wp-block-heading\">\u4fdd\u9669\u65b9\u6cd5<\/h3>\n\n<p>\u6280\u672f\u63d0\u4f9b\u4e86\u5206\u914d\u4fdd\u9669\u7684\u65b0\u65b9\u6cd5\uff0c\u4e5f\u63d0\u4f9b\u4e86\u627f\u4fdd\u548c\u4e86\u89e3\u98ce\u9669\u7684\u65b0\u65b9\u6cd5\u3002\n\u4eba\u5de5\u667a\u80fd \uff08AI\uff09 \u53ef\u5e2e\u52a9\u4fdd\u9669\u516c\u53f8\u66f4\u597d\u5730\u4e86\u89e3\u98ce\u9669\u5e76\u89e3\u51b3\u6b3a\u8bc8\u95ee\u9898\u3002\nAI \u751a\u81f3\u53ef\u4ee5\u6d88\u9664\u98ce\u9669\u8bc4\u4f30\u4e2d\u7684\u504f\u89c1\u3002  <\/p>\n\n<p>\u540c\u65f6\uff0c\u6570\u5b57\u529f\u80fd\u73b0\u5728\u652f\u6301\u5d4c\u5165\u5f0f\u4fdd\u9669\u3001 <a href=\"https:\/\/www.boltinc.com\/insights\/blogs\/pay-as-you-go-insurance?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.25.1725281480091&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">\u5373\u7528\u5373\u4ed8<\/a> \u4fdd\u9669\u548c\u5176\u4ed6\u5c16\u7aef\u7684\u5206\u9500\u548c\u4fdd\u9669\u6a21\u5f0f\u3002\n\u7531\u4e8e\u652f\u6301 AI \u7684\u6570\u636e\u5206\u6790\uff0c\u53c2\u6570\u4fdd\u9669\u4e5f\u53ef\u80fd\u4f1a\u5377\u571f\u91cd\u6765\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u66f4\u6539\u5173\u7cfb<\/h3>\n\n<p>\u8fd0\u8425\u5546\u4e0e\u4ee3\u7406\u5546\u3001\u7ecf\u7eaa\u4eba\u548c\u5ba2\u6237\u7684\u5173\u7cfb\u4e5f\u5728\u53d1\u751f\u53d8\u5316\u3002\n\u6570\u5b57\u5e73\u53f0\u548c\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u4f7f\u4ee3\u7406\u4eba\u548c\u7ecf\u7eaa\u4eba\u6bd4\u4ee5\u5f80\u4efb\u4f55\u65f6\u5019\u90fd\u66f4\u5bb9\u6613\u4e3a\u4fdd\u9669\u6d41\u7a0b\u589e\u52a0\u4ef7\u503c\uff0c\u5efa\u7acb\u66f4\u7262\u56fa\u7684\u5ba2\u6237\u5173\u7cfb\u5e76\u8ffd\u52a0\u9500\u552e\u91cf\u8eab\u5b9a\u5236\u7684\u4fdd\u9669\u3002 <\/p>\n\n<p>\u5ba2\u6237\u7684\u671f\u671b\u4e5f\u5728\u53d1\u751f\u53d8\u5316\u3002\n\u4eca\u5929\u7684\u5ba2\u6237\u8ba4\u4e3a\u4ed6\u4eec\u7684\u4fdd\u9669\u8d2d\u7269\u4f53\u9a8c\u5c06\u63d0\u4f9b\u4e0e\u4ed6\u4eec\u5728\u7ebf\u8d2d\u4e70\u5176\u4ed6\u5546\u54c1\u548c\u670d\u52a1\u76f8\u540c\u7684\u4fbf\u5229\u6027\u3002\n\u5ffd\u89c6\u6570\u5b57\u5de5\u5177\u5851\u9020\u5ba2\u6237\u671f\u671b\u7684\u65b9\u5f0f\u7684\u8fd0\u8425\u5546\u5c06\u9762\u4e34\u98ce\u9669\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u6570\u5b57\u4e16\u754c<\/h3>\n\n<p>\u6211\u4eec\u8d8a\u6765\u8d8a\u591a\u5730\u5728\u7f51\u4e0a\u5de5\u4f5c\u3001\u8d2d\u7269\u548c\u804a\u5929\uff0c\u521b\u9020\u4e86\u4e00\u4e2a\u4e0e\u7269\u7406\u4e16\u754c\u5e73\u884c\u7684\u6570\u5b57\u4e16\u754c\u3002\n\u5728\u8fd9\u4e2a\u6570\u5b57\u4e16\u754c\u4e2d\uff0c\u6570\u5b57\u76ee\u7684\u5730\u6b63\u5728\u6210\u4e3a\u5efa\u7acb\u5ba2\u6237\u5173\u7cfb\u7684\u6c83\u571f\u3002 <\/p>\n\n<p>\u5728\u6570\u5b57\u751f\u6001\u7cfb\u7edf\u4e2d\u57f9\u517b\u7684\u4fdd\u9669\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u521b\u9020\u4e86\u63a5\u89e6\u5ba2\u6237\u7684\u65b0\u65b9\u5f0f\u3002\n\u8fd9\u4e9b\u751f\u6001\u7cfb\u7edf\u4e3a\u5ba2\u6237\u589e\u52a0\u4ef7\u503c\uff0c\u5728\u5ba2\u6237\u548c\u8fd0\u8425\u5546\u4e4b\u95f4\u5efa\u7acb\u8054\u7cfb\uff0c\u5e76\u4e3a\u5ea7\u5e2d\u63d0\u4f9b\u4e00\u79cd\u5f3a\u5927\u7684\u4ef7\u503c\u6784\u5efa\u65b9\u5f0f\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\/09\/handshake-in-office-setting-1024x684.jpg\" alt=\"\" class=\"wp-image-11707\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-in-office-setting-1024x684.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-in-office-setting-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-in-office-setting-768x513.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-in-office-setting.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u5c06\u8d8b\u52bf\u548c\u6280\u672f\u4ed8\u8bf8\u5b9e\u8df5<\/h2>\n\n<p>\u201c\u5728\u8fc7\u53bb\u7684\u51e0\u5e74\u91cc\uff0c\u5927\u591a\u6570\u4fdd\u9669\u516c\u53f8\u5728\u514b\u670d\u4e00\u7cfb\u5217\u969c\u788d\u65b9\u9762\u8868\u73b0\u51fa\u4e86\u975e\u51e1\u7684\u7075\u6d3b\u6027\u548c\u97e7\u6027\uff0c\u5c24\u5176\u662f\u5927\u6d41\u884c\u7684\u5f71\u54cd\u548c\u4fc4\u4e4c\u51b2\u7a81\u7684\u7ecf\u6d4e\u5f71\u54cd\uff0c\u201d <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/industry\/financial-services\/financial-services-industry-outlooks\/insurance-industry-outlook.html\" target=\"_blank\" rel=\"noreferrer noopener\">Karl Hersch<\/a> \u548c\u5fb7\u52e4\u7684\u7814\u7a76\u4eba\u5458\u5199\u9053\u3002\n\u6076\u52a3\u5929\u6c14\u548c\u73af\u5883\u707e\u5bb3\u7684\u6301\u7eed\u589e\u52a0\u4e5f\u7ed9\u4fdd\u9669\u516c\u53f8\u5e26\u6765\u4e86\u538b\u529b\u3002 <\/p>\n\n<p>Hersch \u7b49\u4eba\u5199\u9053\uff0c\u4fdd\u9669\u516c\u53f8\u503e\u5411\u4e8e\u56db\u7c7b\u5f00\u53d1\uff0c\u4ee5\u4fbf\u5728\u9762\u5bf9\u8fd9\u4e9b\u6311\u6218\u65f6\u5efa\u7acb\u7075\u6d3b\u6027\u548c\u5f39\u6027\u3002\n\u8fd9\u4e9b\u5305\u62ec\uff1a <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u6539\u8fdb\u5185\u90e8\u7cfb\u7edf\u4ee5\u53ca\u9762\u5411\u5ba2\u6237\u548c\u4ee3\u7406\u7684\u5de5\u5177\u3002<\/li>\n\n\n\n<li>\u6269\u5c55\u4ed6\u4eec\u7684\u80fd\u529b\u3002<\/li>\n\n\n\n<li>\u91c7\u7528\u654f\u6377\u7684\u4eba\u624d\u6218\u7565\u3002<\/li>\n\n\n\n<li>\u6295\u8d44\u4e8e\u63a8\u8fdb\u5176\u76ee\u6807\u6240\u9700\u7684\u6280\u672f\u3002<\/li>\n<\/ul>\n\n<p>\u5c3d\u7ba1\u5982\u6b64\uff0c\u201c\u73b0\u5728\u4e0d\u662f\u8fd0\u8425\u5546\u5bf9\u4ed6\u4eec\u5fc5\u987b\u505a\u51fa\u7684\u8c03\u6574\u611f\u5230\u6ee1\u610f\u7684\u65f6\u5019\uff0c\u201d\u4f5c\u8005\u8b66\u544a\u8bf4\u3002\n\u76f8\u53cd\uff0c\u73b0\u5728\u662f\u8fd0\u8425\u5546\u4f7f\u7528\u4ed6\u4eec\u5df2\u7ecf\u63a5\u53d7\u7684\u65b0\u5de5\u5177\u548c\u6218\u7565\u6765\u6784\u5efa\u5145\u6ee1\u6311\u6218\u7684\u672a\u6765\u7684\u65f6\u5019\u4e86\u3002 <\/p>\n\n<p>\u901a\u8d27\u81a8\u80c0\u5728 2022 \u5e74\u5e26\u6765\u4e86\u65b0\u7684\u6311\u6218\uff0c\u5e76\u4e14\u5728\u672a\u6765\u51e0\u5e74\u53ef\u80fd\u4f1a\u5982\u6b64\u3002\n\u745e\u58eb\u518d\u4fdd\u9669\u7ecf\u6d4e\u5b66\u5bb6 <a href=\"https:\/\/www.swissre.com\/institute\/research\/sigma-research\/Insurance-Monitoring\/us-property-casualty-outlook-july-2022.html\" target=\"_blank\" rel=\"noreferrer noopener\">Thomas Holzheu \u548c James Finucane<\/a> \u5199\u9053\uff0c\u968f\u7740\u901a\u8d27\u81a8\u80c0\u7684\u589e\u52a0\uff0c\u7d22\u8d54\u6210\u672c\u4e5f\u4f1a\u589e\u52a0\uff0c\u8fd9\u53cd\u8fc7\u6765\u53c8\u4f1a\u5f71\u54cd\u5229\u6da6\u7387\u548c\u4fdd\u8d39\u589e\u957f\u3002 <\/p>\n\n<p>S&amp;P \u7684 <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/research\/us-pc-insurance-market-report-personal-commercial-auto-fortunes-flip\" target=\"_blank\" rel=\"noreferrer noopener\">Tim Zawacki<\/a> \u5199\u9053\uff0c\u5bf9\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u516c\u53f8\u6765\u8bf4\uff0c\u597d\u6d88\u606f\u662f\u8be5\u884c\u4e1a\u7684\u589e\u957f\u52bf\u5934\u5f3a\u52b2\uff0c\u4e3a\u8fd1\u671f\u589e\u957f\u5960\u5b9a\u4e86\u57fa\u7840\u3002\n\u4fdd\u9669\u516c\u53f8\u9700\u8981\u7ee7\u7eed\u5229\u7528\u5176\u6570\u5b57\u5316\u589e\u957f\u548c\u6548\u7387\uff0c\u4ee5\u63a7\u5236\u6210\u672c\uff0c\u540c\u65f6\u5c55\u793a\u5ba2\u6237\u6240\u9700\u7684\u4ef7\u503c\u548c\u53ef\u9760\u6027\u3002 <\/p>\n\n<p>\u6570\u5b57\u98a0\u8986\u4ec5\u4ec5\u662f\u4e00\u79cd\u9884\u6d4b\u6216\u65b0\u5947\u4e8b\u7269\u7684\u65e5\u5b50\u65e9\u5df2\u4e00\u53bb\u4e0d\u590d\u8fd4\u4e86\u3002\n\u5982\u4eca\uff0c\u4fdd\u9669\u516c\u53f8\u5fc5\u987b\u5e94\u5bf9\u6570\u5b57\u9769\u547d\u3002\n\u90a3\u4e9b\u8fd9\u6837\u505a\u7684\u4eba\u4f1a\u63a5\u53d7\u5b83\u7684\u597d\u5904\uff0c\u5e76\u4e3a\u66f4\u7f8e\u597d\u7684\u672a\u6765\u505a\u597d\u51c6\u5907\u3002  <\/p>\n\n<p><em>\u56fe\u7247\u6765\u81ea\uff1a nettpix\/\u00a9123RF.com\uff0c gstockstudio\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5f53\u524d\u6240\u6709\u4e3b\u8981\u7684\u4fdd\u9669\u8d8b\u52bf\u90fd\u53ef\u4ee5\u7528\u4e00\u4e2a\u8bcd\u6765\u6982\u62ec\uff1a\u6570\u5b57\u5316\u3002 \u4ece\u4fdd\u9669\u751f\u6001\u7cfb\u7edf\u5230\u4e0d\u65ad\u53d8\u5316\u7684\u5ba2\u6237\u671f\u671b\uff0c\u4fdd\u9669\u516c\u53f8\u4eca\u5929\u548c\u672a\u6765\u9762 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