{"id":22282,"date":"2024-10-08T18:21:44","date_gmt":"2024-10-08T23:21:44","guid":{"rendered":"https:\/\/bolttech.io\/insights\/insurance-%e5%a6%82%e4%bd%95%e6%89%a9%e5%b1%95%e5%88%b0%e5%85%b6%e4%bc%a0%e7%bb%9f%e4%ba%a7%e5%93%81%e4%b9%8b%e5%a4%96\/"},"modified":"2024-10-08T18:21:50","modified_gmt":"2024-10-08T23:21:50","slug":"insurance-%e5%a6%82%e4%bd%95%e6%89%a9%e5%b1%95%e5%88%b0%e5%85%b6%e4%bc%a0%e7%bb%9f%e4%ba%a7%e5%93%81%e4%b9%8b%e5%a4%96","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/insurance-%e5%a6%82%e4%bd%95%e6%89%a9%e5%b1%95%e5%88%b0%e5%85%b6%e4%bc%a0%e7%bb%9f%e4%ba%a7%e5%93%81%e4%b9%8b%e5%a4%96\/","title":{"rendered":"Insurance \u5982\u4f55\u6269\u5c55\u5230\u5176\u4f20\u7edf\u4ea7\u54c1\u4e4b\u5916"},"content":{"rendered":"\n<p>\u4fdd\u9669\u516c\u53f8\u4e13\u6ce8\u4e8e\u98ce\u9669\u9886\u57df\uff0c\u51e0\u4e2a\u4e16\u7eaa\u4ee5\u6765\uff0c\u4ed6\u4eec\u4e00\u76f4\u4e13\u6ce8\u4e8e\u81ea\u5df1\u7684\u4e13\u4e1a\u9886\u57df\u3002<\/p>\n\n<p>\u5982\u4eca\uff0c\u4fdd\u9669\u516c\u53f8\u53d1\u73b0\uff0c\u5728\u4f20\u7edf\u4fdd\u9669\u4e1a\u4e4b\u5916\uff0c\u6700\u597d\u627e\u5230\u589e\u957f\u548c\u8f6c\u578b\u7684\u673a\u4f1a\u3002\u4fdd\u9669\u4e1a\u5e76\u8d2d\u6d3b\u52a8\u7684\u5feb\u901f\u589e\u957f\uff0c\u4ee5\u53ca\u5bf9\u6570\u5b57\u5316\u8f6c\u578b\u7684\u627f\u8bfa\uff0c\u6b63\u5728\u63a8\u52a8\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u516c\u53f8\u7684\u521b\u65b0\u548c\u53d8\u9769\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u5e76\u8d2d<\/h2>\n\n<p>\u201c\u8003\u8651\u5230 COVID-19 \u7684\u5065\u5eb7\u3001\u7ecf\u6d4e\u548c\u653f\u6cbb\u6311\u6218\u6240\u5e26\u6765\u7684\u5e7f\u6cdb\u4e0d\u786e\u5b9a\u6027\uff0c\u4fdd\u9669\u4e1a\u5728 2020 \u5e74\u7684\u5e76\u8d2d\u6d3b\u52a8\u6bd4\u9884\u671f\u7684\u8981\u591a\uff0c\u201d\u5fb7\u52e4\u7684 <a href=\"https:\/\/www2.deloitte.com\/us\/en\/pages\/financial-services\/articles\/insurance-m-and-a-outlook.html\" target=\"_blank\" rel=\"noreferrer noopener\">Doug Sweeney \u548c Mark Purowitz<\/a> \u5199\u9053\u3002<\/p>\n\n<p>Sweeney \u548c Purowitz \u6307\u51fa\uff0c\u867d\u7136 2019 \u5e74\u81f3 2020 \u5e74\u671f\u95f4\u4ea4\u6613\u603b\u6570\u7565\u6709\u4e0b\u964d\uff0c\u4f46\u5728\u6b64\u671f\u95f4\u53d1\u751f\u7684\u5e76\u8d2d\u4ef7\u503c\u589e\u957f\u4e86 39%\u3002\u5fb7\u52e4\u7684\u4e00\u9879\u7814\u7a76\u53d1\u73b0\uff0c\u5317\u7f8e 32% \u7684\u4fdd\u9669\u516c\u53f8\u5c06\u5e76\u8d2d\u89c6\u4e3a\u63d0\u9ad8\u8d22\u52a1\u7a33\u5b9a\u6027\u7684\u4e00\u79cd\u65b9\u5f0f\uff0c\u5e76\u5728\u5feb\u901f\u6570\u5b57\u5316\u8f6c\u578b\u548c\u6781\u5ea6\u4e0d\u786e\u5b9a\u6027\u7684\u65f6\u4ee3\u91c7\u53d6\u6218\u7565\u884c\u52a8\u3002 <\/p>\n\n<p>COVID-19 \u5927\u6d41\u884c\u7684\u5f00\u59cb\u6682\u65f6\u51cf\u7f13\u4e86\u5e76\u8d2d\u6d3b\u52a8\uff0c\u4f46\u8fd9\u79cd\u653e\u7f13\u4f3c\u4e4e\u662f\u4ea4\u6613\u7684\u63a8\u8fdf\uff0c\u800c\u4e0d\u662f\u672a\u51b3\u4ea4\u6613\u7684\u53d6\u6d88\u3002\u201c\u4fdd\u9669\u884c\u4e1a\u7684\u4ea4\u6613\u64ae\u5408\u8005\uff0c\u5c31\u50cf\u8bb8\u591a\u5176\u4ed6\u4eba\u4e00\u6837\uff0c\u5728\u4eca\u5e74\u4e0a\u534a\u5e74\u505c\u4e0b\u6765\u8fdb\u884c\u53cd\u601d\uff0c\u4f46\u4e0d\u4f1a\u6301\u7eed\u592a\u4e45\uff0c\u201dClyde &amp; Co\u516c\u53f8\u4f01\u4e1a\u4fdd\u9669\u96c6\u56e2\u7684\u5408\u4f19\u4eba <a href=\"https:\/\/www.insurancejournal.com\/news\/international\/2021\/02\/18\/601726.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Ivor Edwards<\/a>\u8bf4\u3002 <\/p>\n\n<p>2021 \u5e74\u4e0a\u534a\u5e74\uff0c\u4fdd\u9669\u516c\u53f8\u7ee7\u7eed\u63a5\u53d7\u5e76\u8d2d\u4ea4\u6613\u7684\u901f\u5ea6\u8fdb\u4e00\u6b65\u52a0\u5feb\u3002\u6839\u636e\u666e\u534e\u6c38\u9053\u7684\u6570\u636e\uff0c2021 \u5e74 1 \u6708\u81f3 5 \u6708\u671f\u95f4\u5ba3\u5e03\u4e86 215 \u7b14\u4fdd\u9669\u4ea4\u6613\uff0c\u603b\u4ef7\u503c\u4e3a 246 \u4ebf\u7f8e\u5143\u3002 <\/p>\n\n<p>\u666e\u534e\u6c38\u9053\u4fdd\u9669\u4ea4\u6613\u4e3b\u7ba1 <a href=\"https:\/\/www.propertycasualty360.com\/2021\/07\/15\/insurance-ma-activity-in-first-half-2021-reaches-24-6b-in-value\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mark Friedman<\/a> \u8868\u793a\uff1a\u201c\u4eca\u5e74\u4e0a\u534a\u5e74\uff0c\u4fdd\u9669\u4ea4\u6613\u7684\u901f\u5ea6\u548c\u89c4\u6a21\u7ee7\u7eed\u52a0\u5feb\uff0c\u56e0\u4e3a\u5356\u5bb6\u5e0c\u671b\u5229\u7528\u5bf9\u4fdd\u9669\u4e1a\u52a1\u5f3a\u52b2\u9700\u6c42\u63a8\u52a8\u7684\u9ad8\u4f30\u503c\u3002<\/p>\n\n<p>\u8fd9\u79cd\u4e0a\u5347\u8d8b\u52bf\u5728\u4e0d\u4e45\u7684\u5c06\u6765\u6ca1\u6709\u653e\u7f13\u7684\u8ff9\u8c61\u3002\u201c\u6211\u4eec\u9884\u8ba1 2022 \u5e74\u4fdd\u9669\u5e76\u8d2d\u6d3b\u52a8\u5c06\u7ee7\u7eed\u5f3a\u52b2\uff0c\u201d\u666e\u534e\u6c38\u9053\u4ea4\u6613\u90e8\u95e8\u8d1f\u8d23\u4eba <a href=\"https:\/\/www.pwc.com\/us\/en\/industries\/insurance\/library\/deals-insights.html\" target=\"_blank\" rel=\"noreferrer noopener\">John Potter<\/a> \u548c\u5176\u4ed6\u5408\u4f19\u4eba\u5199\u9053\u3002\u6839\u636e\u666e\u534e\u6c38\u9053\u7684\u7814\u7a76\uff0c\u672a\u6765\u4e00\u5e74\u7684\u4fdd\u9669\u5e76\u8d2d\u53ef\u80fd\u4f1a\u6d89\u53ca\u7ecf\u7eaa\u516c\u53f8\u548c\u4fdd\u9669\u516c\u53f8\uff0c\u4ee5\u5bfb\u6c42\u5728\u6301\u7eed\u7684\u5927\u6d41\u884c\u548c\u5176\u4ed6\u6311\u6218\u4e2d\u627e\u5230\u65b0\u7684\u7acb\u8db3\u70b9\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\/analyzing-stock-charts--1024x683.jpg\" alt=\"&#x8BC1;&#x5238;&#x4EA4;&#x6613;&#x6240;&#x5E02;&#x573A;&#x6982;&#x5FF5;\" class=\"wp-image-10831\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-stock-charts--1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-stock-charts--300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-stock-charts--768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/analyzing-stock-charts-.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u6570\u5b57\u5316\u8f6c\u578b<\/h2>\n\n<p>Sweeney \u548c Purowitz \u5199\u9053\uff0c\u5fb7\u52e4\u7684\u7814\u7a76\u8fd8\u53d1\u73b0\uff0c79% \u7684\u4fdd\u9669\u516c\u53f8\u5728\u75ab\u60c5\u671f\u95f4\u53d1\u73b0\u4e86\u5176\u7ec4\u7ec7\u6570\u5b57\u5316\u65b9\u6cd5\u7684\u4e0d\u8db3\uff0c95% \u7684\u4fdd\u9669\u516c\u53f8\u81f4\u529b\u4e8e\u5728\u672a\u6765\u51e0\u5e74\u52a0\u901f\u6570\u5b57\u5316\u8f6c\u578b\u3002\u4e0d\u51fa\u6240\u6599\uff0c\u8fd9\u79cd\u5bf9\u6570\u5b57\u5316\u8f6c\u578b\u7684\u5173\u6ce8\u4e5f\u5f71\u54cd\u4e86\u4fdd\u9669\u516c\u53f8\u4e4b\u95f4\u7684\u5e76\u8d2d\u3002 <\/p>\n\n<p>\u201c\u4f20\u7edf\u4fdd\u9669\u516c\u53f8\u5e0c\u671b\u5347\u7ea7\u5176\u6838\u5fc3\u7cfb\u7edf\u5e76\u91ca\u653e\u4eba\u5de5\u667a\u80fd\u3001\u6570\u636e\u5206\u6790\u548c\u7269\u8054\u7f51 \uff08IoT\uff09 \u7b49\u53d8\u9769\u6027\u6280\u672f\u7684\u5168\u90e8\u6f5c\u529b\uff0c\u4ed6\u4eec\u8d8a\u6765\u8d8a\u591a\u5730\u5c06\u5e76\u8d2d\u4f5c\u4e3a\u5176\u521b\u65b0\u6218\u7565\u7684\u4e00\u90e8\u5206\uff0c\u201dSapiens \u9996\u5e2d\u6218\u7565\u5b98 <a href=\"https:\/\/www.forbes.com\/sites\/forbesbusinessdevelopmentcouncil\/2021\/05\/25\/three-factors-that-will-drive-insurance-mergers-and-acquisitions-this-year\/\" target=\"_blank\" rel=\"noreferrer noopener\">Alex Zukerman<\/a> \u5199\u9053\u3002<\/p>\n\n<p>\u6295\u8d44\u4e8e\u6570\u5b57\u5316\u8f6c\u578b\uff0c\u5305\u62ec\u901a\u8fc7\u5e76\u8d2d\u6d3b\u52a8\uff0c\u6b63\u5728\u4e3a\u4fdd\u9669\u516c\u53f8\u5e26\u6765\u56de\u62a5\u3002\u5b89\u6c38\u7684\u6570\u636e\u663e\u793a\uff0c\u867d\u7136\u5305\u62ec\u4fdd\u9669\u516c\u53f8\u5728\u5185\u7684\u91d1\u878d\u673a\u6784\u5728 2020 \u5e74\u53ea\u6709 25% \u7684\u6848\u4f8b\u4f7f\u7528\u5e76\u8d2d\u6765\u5b9e\u73b0\u6570\u5b57\u5316\u8f6c\u578b\u76ee\u6807\uff0c\u4f46\u201c\u8fd9\u4e9b\u4ea4\u6613\u5728 52% \u7684\u65f6\u95f4\u91cc\u8d85\u51fa\u4e86\u6295\u8d44\u56de\u62a5\u7387\u9884\u671f\uff0c\u201d\u5b89\u6c38\u7684 <a href=\"https:\/\/www.ey.com\/en_us\/insurance\/insurance-m-and-a-a-review-of-2020-and-expectations-for-2021\" target=\"_blank\" rel=\"noreferrer noopener\">Martin Spit<\/a> \u5199\u9053\u3002\u4ee5\u4fc3\u8fdb\u516c\u53f8\u6570\u5b57\u5316\u8f6c\u578b\u4e3a\u76ee\u6807\u7684\u5e76\u8d2d\u5728\u672a\u6765\u51e0\u5e74\u53ef\u80fd\u4f1a\u589e\u52a0\uff0c\u56e0\u4e3a\u4fdd\u9669\u516c\u53f8\u5bfb\u6c42\u63a5\u53d7\u8fd9\u79cd\u5173\u7cfb\u627f\u8bfa\u7684\u5de8\u5927\u6295\u8d44\u56de\u62a5\u3002  <\/p>\n\n<h2 class=\"wp-block-heading\">\u4fdd\u9669\u79d1\u6280\u6a2a\u5411\u589e\u957f<\/h2>\n\n<p>\u6700\u540e\uff0c\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u521d\u521b\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u548c\u73b0\u6709\u4fdd\u9669\u516c\u53f8\u5982\u4f55\u5728\u8d8a\u6765\u8d8a\u591a\u7684\u5782\u76f4\u9886\u57df\u4e2d\u65e5\u76ca\u4e89\u593a\u5e02\u573a\u4efd\u989d\u3002\u8fd9\u4e3b\u8981\u662f\u7531\u4e8e\u50cf Lemonade \u8fd9\u6837\u7684\u516c\u53f8\u7684\u6210\u719f\u548c\u5b8c\u5584\uff0c\u8be5\u516c\u53f8\u6210\u7acb\u65f6\u53ea\u4e13\u6ce8\u4e8e\u79df\u623f\u8005\u4fdd\u9669\uff0c\u4f46 <a href=\"https:\/\/www.fool.com\/investing\/2021\/05\/29\/lemonades-300-billion-growth-opportunity\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u540e\u6765\u6269\u5c55\u5230<\/a> \u63d0\u4f9b\u623f\u4e3b\u4fdd\u9669\u3001\u5ba0\u7269\u4fdd\u9669\u548c\u4eba\u5bff\u4fdd\u9669\u3002 <\/p>\n\n<p>\u5fc5\u987b\u4ece\u8fd9\u4e2a\u89d2\u5ea6\u6765\u770b\u5f85\u4f20\u7edf\u8fd0\u8425\u5546\u5185\u90e8\u53d1\u751f\u7684\u6570\u5b57\u5316\u8f6c\u578b\u3002\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u98a0\u8986\u4e86\u8be5\u884c\u4e1a\uff0c\u5e76\u8fc5\u901f\u6539\u53d8\u4e86\u5ba2\u6237\u7684\u671f\u671b\u3002\u53ef\u9488\u5bf9\u6bcf\u4f4d\u5ba2\u6237\u91cf\u8eab\u5b9a\u5236\u7684\u53ef\u8c03\u8282\u3001\u6570\u636e\u4f9d\u636e\u7684\u4fdd\u8d39\uff1f\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u63a8\u52a8\u4e86\u8fd9\u4e9b\u521b\u65b0\uff0c\u4ed6\u4eec\u6b63\u5728\u5c06\u8fd9\u4e9b\u6a21\u578b\u5e26\u5165\u65b0\u7684\u5782\u76f4\u9886\u57df\u2014\u2014\u5ba2\u6237\u70ed\u5207\u5730\u7b49\u5f85\u4ed6\u4eec\u53ef\u7528\u7684\u4fdd\u9669\u7684\u65b0\u7075\u6d3b\u6027\u3002   <\/p>\n\n<p>\u6c7d\u8f66\u4fdd\u9669\u5ba2\u6237\u662f\u5426\u613f\u610f\u7528\u4ed6\u4eec\u7684\u9a7e\u9a76\u6570\u636e\u6362\u53d6\u91cf\u8eab\u5b9a\u5236\u7684\u3001\u66f4\u5b9e\u60e0\u7684\u4fdd\u5355\uff1f\u6240\u6709\u8ff9\u8c61\u90fd\u8868\u660e\u662f\u7684\u3002\u73b0\u5728\uff0c\u8fd0\u8425\u5546\u9762\u4e34\u7684\u6311\u6218\u662f\u5229\u7528\u8fd9\u79cd\u65b0\u5174\u5ba2\u6237\u884c\u4e3a\u7684\u589e\u957f\u6f5c\u529b\u3002  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