{"id":19007,"date":"2024-09-19T23:22:49","date_gmt":"2024-09-20T04:22:49","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e5%b9%b3%e5%8f%b0%e6%8f%90%e4%be%9b%e5%95%86%e5%a6%82%e4%bd%95%e5%b8%ae%e5%8a%a9%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e5%ae%9e%e7%8e%b0%e5%88%86%e9%94%80%e6%88%90%e5%8a%9f\/"},"modified":"2024-09-19T23:22:50","modified_gmt":"2024-09-20T04:22:50","slug":"%e5%b9%b3%e5%8f%b0%e6%8f%90%e4%be%9b%e5%95%86%e5%a6%82%e4%bd%95%e5%b8%ae%e5%8a%a9%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e5%ae%9e%e7%8e%b0%e5%88%86%e9%94%80%e6%88%90%e5%8a%9f","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/%e5%b9%b3%e5%8f%b0%e6%8f%90%e4%be%9b%e5%95%86%e5%a6%82%e4%bd%95%e5%b8%ae%e5%8a%a9%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e5%ae%9e%e7%8e%b0%e5%88%86%e9%94%80%e6%88%90%e5%8a%9f\/","title":{"rendered":"\u5e73\u53f0\u63d0\u4f9b\u5546\u5982\u4f55\u5e2e\u52a9\u4fdd\u9669\u516c\u53f8\u5b9e\u73b0\u5206\u9500\u6210\u529f"},"content":{"rendered":"\n<p>\u4fdd\u9669\u7684\u6570\u5b57\u5316\u98a0\u8986\u5728 2010 \u5e74\u4ee3\u540e\u671f\u5c31\u5df2\u7ecf\u5728\u8fdb\u884c\uff0c\u5728 COVID-19 \u5927\u6d41\u884c\u7684\u538b\u529b\u4e0b\u8fc5\u901f\u52a0\u901f\u3002\n\u5982\u4eca\uff0c\u4fdd\u9669\u4e1a\u7684\u6700\u4f73\u7279\u5f81\u662f\u751f\u6d3b\u5728\u4e00\u4e2a\u540e\u98a0\u8986\u65f6\u4ee3\uff0c\u6280\u672f\u53ca\u5176\u5468\u56f4\u7684\u671f\u671b\u63a8\u52a8\u7740\u4fdd\u9669\u516c\u53f8\u7684\u4e1a\u52a1\u3001\u4ee3\u7406\u4eba\u7684\u8fd0\u8425\u548c\u5ba2\u6237\u7684\u9700\u6c42\u3002 <\/p>\n\n<p>\u8fd9\u4e2a\u540e\u98a0\u8986\u65f6\u4ee3\u4e3a\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u4e86\u5de8\u5927\u7684\u673a\u4f1a\u3002\n\u201c\u65b0\u6280\u672f\u7684\u5e7f\u6cdb\u4f7f\u7528\u53ef\u80fd\u6709\u52a9\u4e8e\u964d\u4f4e\u6210\u672c\u5e76\u4e3a\u6240\u6709\u76f8\u5173\u65b9\u521b\u9020\u4ef7\u503c\uff0c\u52302030\u5e74\u5c06\u5168\u7403\u4fdd\u8d39\u63a8\u9ad8\u81f310\u4e07\u4ebf\u7f8e\u5143\uff0c\u201d\u8d1d\u6069&amp;\u516c\u53f8\u7684 <a href=\"https:\/\/www.bain.com\/insights\/the-future-of-insurance-as-risks-mount-insurers-aim-to-augment-protection-with-prevention\/\" target=\"_blank\" rel=\"noreferrer noopener\">Andrew Schwedel\u3001Mark Judah\u548cCamille Goossens<\/a>\u5199\u9053\u3002 <\/p>\n\n<p>\u4fdd\u9669\u516c\u53f8\u5982\u4f55\u6574\u5408\u5404\u79cd\u65b0\u6280\u672f\uff0c\u4ee5\u4fbf\u5728\u540e\u98a0\u8986\u65f6\u4ee3\u53d6\u5f97\u6210\u529f\uff1f\n\u4fdd\u9669\u5e73\u53f0\u63d0\u4f9b\u5546\u6709\u52a9\u4e8e\u7b80\u5316\u8fd9\u79cd\u96c6\u6210\uff0c\u4f7f\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u4e3a\u5206\u9500\u6210\u529f\u505a\u597d\u51c6\u5907\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u4e2d\u65ad\u540e\u4fdd\u9669\u7684\u4e3b\u8981\u6311\u6218<\/h2>\n\n<p>\u7531\u4e8e\u65e9\u671f\u4fdd\u9669\u516c\u53f8\u5bf9\u91c7\u7528\u6280\u672f\u548c\u89e3\u51b3\u6d88\u8d39\u8005\u5bf9\u73b0\u6709\u5206\u9500\u6a21\u5f0f\u7684\u4e0d\u6ee1\u72b9\u8c6b\u4e0d\u51b3\uff0c\u9884\u8ba1\u6570\u5b57\u5316\u7684\u7834\u574f\u5c06\u5bf9\u4fdd\u9669\u884c\u4e1a\u7684\u5206\u9500\u9020\u6210\u7279\u522b\u4e25\u91cd\u7684\u6253\u51fb\uff0c\u5f8b\u5e08 <a href=\"https:\/\/www.proquest.com\/docview\/2207838951?pq-origsite=gscholar&amp;fromopenview=true\" target=\"_blank\" rel=\"noreferrer noopener\">Angelica Wilamowicz<\/a> \u5728\u300a\u94f6\u884c\u4e0e\u91d1\u878d\u6cd5\u5f8b\u8bc4\u8bba\u300b\u7684\u4e00\u7bc7\u6587\u7ae0\u4e2d\u5199\u9053\u3002<\/p>\n\n<p>\u5982\u4eca\uff0c\u968f\u7740\u6570\u5b57\u5316\u7684\u5168\u9762\u91c7\u7528\uff0c\u4fdd\u9669\u516c\u53f8\u786e\u5b9e\u9762\u4e34\u7740\u6311\u6218\u3002\n\u8fd0\u8425\u5546\u5fc5\u987b\u5e73\u8861\u6280\u672f\u7684\u597d\u5904\u4e0e\u5176\u6df1\u539a\u7684\u673a\u6784\u77e5\u8bc6\uff0c\u5176\u4e2d\u5927\u90e8\u5206\u5d4c\u5165\u5728\u65e7\u6d41\u7a0b\u4e2d\u3002\n\u4ed6\u4eec\u5fc5\u987b\u6ee1\u8db3\u5ba2\u6237\u7684\u671f\u671b\uff0c\u540c\u65f6\u98a0\u8986\u65e7\u7684\u7ecf\u8425\u65b9\u5f0f\u3002  <\/p>\n\n<p>\u8001\u724c\u4fdd\u9669\u516c\u53f8\u8fd8\u9762\u4e34\u7740\u6765\u81ea\u4e2d\u5c0f\u578b\u5e02\u573a\u7ade\u4e89\u5bf9\u624b\u7684\u7ade\u4e89\u3002\n\u501f\u52a9\u5e73\u53f0\u548c\u4e91\u8ba1\u7b97\u7b49\u6280\u672f\uff0c\u201c\u542f\u52a8\u4fdd\u9669\u4e1a\u52a1\u53d8\u5f97\u8d8a\u6765\u8d8a\u7b80\u5355\uff0c\u201d\u57c3\u68ee\u54f2\u7684 <a href=\"https:\/\/insuranceblog.accenture.com\/irish-insurance-in-2021-contending-with-disruption-in-mid-sized-national-markets\" target=\"_blank\" rel=\"noreferrer noopener\">James Thomas \u548c Alexander Cherry<\/a> \u5199\u9053\u3002\n\u73b0\u5728\u5e02\u573a\u4e3b\u8981\u662f\u6570\u5b57\u5316\u7684\uff0c\u65b0\u7684\u7ade\u4e89\u5bf9\u624b\u4e5f\u4e0d\u9700\u8981\u5728\u793e\u533a\u548c\u57ce\u5e02\u8bbe\u7acb\u5b9e\u4f53\u5e97\u6765\u7ade\u4e89\u3002  <\/p>\n\n<p>COVID-19 \u75ab\u60c5\u52a0\u901f\u4e86\u6570\u5b57\u5316\u91c7\u7528\uff0c\u4f7f\u98a0\u8986\u8fc5\u901f\u4ece\u5730\u5e73\u7ebf\u8d70\u5411\u540e\u89c6\u3002\n\u4e3a\u4e86\u5728\u540e\u98a0\u8986\u65f6\u4ee3\u5b9e\u73b0\u76ee\u6807\uff0c\u201c\u4fdd\u9669\u516c\u53f8\u5e94\u5229\u7528\u75ab\u60c5\u671f\u95f4\u91c7\u7528\u7684\u521b\u65b0\u548c\u8fd0\u8425\u7075\u6d3b\u6027\uff0c\u52a0\u901f\u8f6c\u578b\u4e3a\u66f4\u654f\u6377\u3001\u4ee5\u5ba2\u6237\u4e3a\u4e2d\u5fc3\u7684\u4e1a\u52a1\uff0c\u201d\u5fb7\u52e4\u526f\u4e3b\u5e2d\u517c\u7f8e\u56fd\u4e3b\u7ba1\u5408\u4f19\u4eba <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/industry\/financial-services\/impact-of-pandemic-insurance-industry.html\" target=\"_blank\" rel=\"noreferrer noopener\">Gary Shaw<\/a> \u5199\u9053\u3002\n\u5e73\u53f0\u5141\u8bb8\u4fdd\u9669\u516c\u53f8\u505a\u5230\u8fd9\u4e00\u70b9\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\/man-with-tablet-1024x684.jpg\" alt=\"&#x975E;&#x6D32;&#x9ED1;&#x4EBA;&#x5546;&#x4EBA;&#x65F6;&#x9AE6;&#x4EBA;&#x58EB;&#x4E0B;&#x73ED;&#x4F11;&#x606F;&#x65F6;&#x5728;&#x516C;&#x56ED;&#x91CC;&#x4F7F;&#x7528;&#x5E73;&#x677F;&#x7535;&#x8111;\" class=\"wp-image-10235\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-with-tablet-1024x684.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-with-tablet-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-with-tablet-768x513.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-with-tablet.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u5e73\u53f0\u5982\u4f55\u5e2e\u52a9\u8fd0\u8425\u5546\u5e94\u5bf9\u8fd9\u4e9b\u6311\u6218<\/h2>\n\n<p>\u6570\u5b57\u4fdd\u9669\u5206\u9500\u5e73\u53f0\u53ef\u4ee5\u5e2e\u52a9\u4fdd\u9669\u516c\u53f8\u5e94\u5bf9\u6311\u6218\uff0c\u6ee1\u8db3\u5ba2\u6237\u671f\u671b\uff0c\u540c\u65f6\u4fdd\u7559\u5b9d\u8d35\u7684\u627f\u4fdd\u3001\u4ee3\u7406\u548c\u5206\u9500\u77e5\u8bc6\u3002<\/p>\n\n<p>\u5728\u540e\u98a0\u8986\u65f6\u4ee3\uff0c\u6280\u672f\u5c06\u5e2e\u52a9\u4fdd\u9669\u516c\u53f8\u548c\u4ee3\u7406\u4eba\u66f4\u6709\u6548\u5730\u6267\u884c\u8bb8\u591a\u4efb\u52a1\uff0c\u603b\u90e8\u4f4d\u4e8e\u5370\u5ea6\u7684 InsuranceDekho \u7684\u8054\u5408\u521b\u59cb\u4eba\u517c\u9996\u5e2d\u6267\u884c\u5b98 <a href=\"https:\/\/www.news18.com\/news\/business\/savings-and-investments\/insurance-platforms-online-going-to-disrupt-insurance-industry-in-2022-heres-how-4613264.html\" target=\"_blank\" rel=\"noreferrer noopener\">Ankit Agrawal<\/a> 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<\/p>\n\n<p>\u6570\u5b57\u4fdd\u9669\u5e73\u53f0\u4e3a\u8fd9\u79cd\u6df7\u4e71\u5e26\u6765\u4e86\u79e9\u5e8f\u3002\n\u901a\u8fc7\u96c6\u6210\u5404\u79cd\u6570\u636e\u6e90\u548c\u53c2\u4e0e\u8005\uff0c\u8fd9\u4e9b\u5e73\u53f0\u4f7f\u5ba2\u6237\u80fd\u591f\u8f7b\u677e\u8bbf\u95ee\u4fdd\u9669\u4fe1\u606f\u548c\u4ed6\u4eec\u9700\u8981\u7684\u4fdd\u9669\u8303\u56f4\u3002\n\u5ba2\u6237\u65e0\u9700\u88ab\u6570\u767e\u79cd\u653f\u7b56\u9009\u9879\u548c\u7ec6\u8282\u6240\u6df9\u6ca1\uff0c\u800c\u662f\u53ef\u4ee5\u4f7f\u7528\u5355\u4e00\u5e73\u53f0\u4e0e\u8fd0\u8425\u5546\u8054\u7cfb\uff0c\u5411\u4ee3\u7406\u4eba\u63d0\u95ee\uff0c\u5e76\u83b7\u5f97\u4ed6\u4eec\u9700\u8981\u7684\u4fdd\u9669\u3002  <\/p>\n\n<p>\u5e73\u53f0\u8fd8\u7b80\u5316\u4e86\u8fd0\u8425\u5546\u548c\u4ee3\u7406\u7684\u5de5\u4f5c\uff0c\u5c06\u4fe1\u606f\u7ed3\u5408\u8d77\u6765\u4ee5\u81ea\u52a8\u6267\u884c\u65e5\u5e38\u4efb\u52a1\uff0c\u5e76\u6839\u636e\u5ba2\u6237\u7684\u4e2a\u6027\u5316\u9700\u6c42\u5efa\u8bae\u5173\u952e\u7684\u4ea4\u53c9\u9500\u552e\u548c\u8ffd\u52a0\u9500\u552e\u673a\u4f1a\u3002\n\u5176\u7ed3\u679c\u662f\u4e3a\u8fd0\u8425\u5546\u3001\u4ee3\u7406\u5546\u548c\u5ba2\u6237\u63d0\u4f9b\u4e86\u66f4\u52a0\u7b80\u5316\u548c\u6709\u6548\u7684\u5206\u9500\u6d41\u7a0b\u3002 <\/p>\n\n<p>\u6570\u5b57\u5316\u98a0\u8986\u5728\u8bb8\u591a\u65b9\u9762\u98a0\u8986\u4e86\u4fdd\u9669\u4e1a\u3002\n\u5e73\u53f0\u63d0\u4f9b\u5546\u63d0\u4f9b\u4e86\u4e00\u79cd\u4ece\u5608\u6742\u7684\u58f0\u97f3\u4e2d\u521b\u9020\u6e05\u6670\u5ea6\u5e76\u7b80\u5316\u5206\u53d1\u540c\u65f6\u589e\u52a0\u4ef7\u503c\u7684\u65b9\u6cd5\u3002 <\/p>\n\n<p><em>\u56fe\u7247\u6765\u81ea\uff1a chagin\/\u00a9123RF.com\uff0c warrengoldswain\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4fdd\u9669\u7684\u6570\u5b57\u5316\u98a0\u8986\u5728 2010 \u5e74\u4ee3\u540e\u671f\u5c31\u5df2\u7ecf\u5728\u8fdb\u884c\uff0c\u5728 COVID-19 \u5927\u6d41\u884c\u7684\u538b\u529b\u4e0b\u8fc5\u901f\u52a0\u901f\u3002 \u5982\u4eca\uff0c\u4fdd\u9669 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