{"id":17955,"date":"2024-09-19T17:21:32","date_gmt":"2024-09-19T22:21:32","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e6%88%bf%e5%b1%8b%e6%93%81%e6%9c%89%e6%ac%8a%e8%b6%a8%e5%8b%a2%ef%bc%9a%e7%8f%be%e4%bb%a3%e6%85%8b%e5%ba%a6%e5%b0%8d-pc-%e4%bf%9d%e9%9a%aa%e5%85%ac%e5%8f%b8%e6%84%8f%e5%91%b3%e8%91%97%e4%bb%80\/"},"modified":"2024-09-19T17:21:40","modified_gmt":"2024-09-19T22:21:40","slug":"%e6%88%bf%e5%b1%8b%e6%93%81%e6%9c%89%e6%ac%8a%e8%b6%a8%e5%8b%a2%ef%bc%9a%e7%8f%be%e4%bb%a3%e6%85%8b%e5%ba%a6%e5%b0%8d-pc-%e4%bf%9d%e9%9a%aa%e5%85%ac%e5%8f%b8%e6%84%8f%e5%91%b3%e8%91%97%e4%bb%80","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e6%88%bf%e5%b1%8b%e6%93%81%e6%9c%89%e6%ac%8a%e8%b6%a8%e5%8b%a2%ef%bc%9a%e7%8f%be%e4%bb%a3%e6%85%8b%e5%ba%a6%e5%b0%8d-pc-%e4%bf%9d%e9%9a%aa%e5%85%ac%e5%8f%b8%e6%84%8f%e5%91%b3%e8%91%97%e4%bb%80\/","title":{"rendered":"\u623f\u5c4b\u64c1\u6709\u6b0a\u8da8\u52e2\uff1a\u73fe\u4ee3\u614b\u5ea6\u5c0d P&amp;C \u4fdd\u96aa\u516c\u53f8\u610f\u5473\u8457\u4ec0\u9ebc"},"content":{"rendered":"\n<p>\u5e7e\u5341\u5e74\u524d\u5178\u578b\u7684\u7f8e\u570b\u5bb6\u5ead\u7684\u9858\u666f\u5305\u62ec\u5169\u500b\u7236\u6bcd\u30012.3 \u500b\u5b69\u5b50\u3001\u4e00\u96bb\u72d7\u548c\u4e00\u500b\u5e36\u6709\u82b1\u5712\u548c\u67f5\u6b04\u7684\u5bb6\u3002<\/p>\n\n<p>\u7531\u65bc\u591a\u7a2e\u56e0\u7d20\u7684\u7d50\u5408\u2014\u2014\u623f\u5730\u7522\u548c\u79df\u91d1\u50f9\u683c\u4e0a\u6f32\u3001\u5b89\u9813\u4e0b\u4f86\u7684\u614b\u5ea6\u6539\u8b8a\uff0c\u4ee5\u53ca 2008 \u5e74\u7d93\u6fdf\u8870\u9000\u4e2d\u623f\u5730\u7522\u5e02\u5834\u5d29\u6f70\u5f8c\u5c0d\u64c1\u6709\u6b0a\u7684\u61f7\u7591\u2014\u2014\u9019\u4e00\u9858\u666f\u4e26\u6c92\u6709\u5f15\u8d77\u7576\u4eca\u5e74\u8f15\u4eba\u7684\u5171\u9cf4\u3002<\/p>\n\n<p>\u4e00\u500b\u91cd\u8981\u539f\u56e0\uff1a\u623f\u5c4b\u64c1\u6709\u6b0a\u8da8\u52e2\u6b63\u5728\u767c\u751f\u8b8a\u5316\uff0c\u5c0d\u65bc\u5e74\u8f15\u4eba\u4f86\u8aaa\uff0c\u8cb7\u623f\u4e26\u4e0d\u50cf\u5e7e\u5341\u5e74\u524d\u90a3\u6a23\u81ea\u7136\u800c\u7136\u3002\n\u4e8b\u5be6\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> \u767c\u73fe\uff0c\u73fe\u5728\u79df\u623f\u7684\u7f8e\u570b\u5bb6\u5ead\u6bd4\u904e\u53bb\u4e94\u5341\u5e74\u4e2d\u7684\u4efb\u4f55\u6642\u5019\u90fd\u591a\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u7f8e\u570b\u623f\u5c4b\u64c1\u6709\u6b0a\u8da8\u52e2\u5982\u4f55\u8b8a\u5316<\/h2>\n\n<p>\u6839\u64da\u4eba\u53e3\u666e\u67e5\u5c40\u7684\u6578\u64da\uff0c2016\u5e74\uff0c\u623f\u5c4b\u64c1\u6709\u7387\u964d\u81f3 50 \u5e74\u4f86\u7684\u6700\u4f4e\u9ede\uff0c\u53ea\u6709 63% \u7684\u4eba\u64c1\u6709\u623f\u5c4b\u3002\n\u9019\u4f4e\u65bc 2005 \u5e74 70% \u7684\u5cf0\u503c\uff0c\u6211\u5011\u73fe\u5728\u77e5\u9053\u9019\u5728\u5f88\u5927\u7a0b\u5ea6\u4e0a\u8981\u6b78\u529f\u65bc\u6b21\u7d1a\u8cb8\u6b3e\uff0c\u6700\u7d42\u5c0e\u81f4\u4e86 2008 \u5e74\u7684\u7d93\u6fdf\u8870\u9000\u3002 <\/p>\n\n<p>\u64c1\u6709\u7387\u6b63\u5728\u5f9e 2016 \u5e74\u7684\u4f4e\u9ede\u7de9\u6162\u4e0a\u5347\uff0c\u7d93\u6fdf\u5b78\u5bb6 <a href=\"https:\/\/www.wsj.com\/articles\/u-s-homeownership-rate-jumps-from-50-year-low-1501178297\" target=\"_blank\" rel=\"noreferrer noopener\">\u62c9\u723e\u592b\u00b7\u9ea5\u514b\u52de\u514b\u6797 \uff08Ralph McLaughlin<\/a> \uff09 \u5c07\u9019\u4e00\u6500\u5347\u6b78\u56e0\u65bc\u623f\u5730\u7522\u5d29\u76e4\u7684\u640d\u5bb3\u958b\u59cb\u9006\u8f49\u3002\n\u5118\u7ba1\u5982\u6b64\uff0c\u6839\u64da\u65af\u5766\u798f\u5927\u5b78\u9577\u58fd\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\u746a\u62c9\u00b7\u897f\u59c6\u65af\uff08Tamara Sims<\/a> \uff09\u53ca\u5176\u540c\u4e8b\u7684\u7814\u7a76\uff0c\u4eca\u5929\u7684\u5e74\u8f15\u4eba\u64c1\u6709\u623f\u5c4b\u7684\u53ef\u80fd\u6027\u4f4e\u65bc\u540c\u9f61\u7684\u7236\u6bcd\u3002\n\u5b30\u5152\u6f6e\u4e00\u4ee3\u5728 30 \u6b72\u6642\u64c1\u6709\u623f\u5c4b\u7684\u6bd4\u4f8b\u70ba 49%\u3002\n\u5c0d\u65bc\u5343\u79a7\u4e00\u4ee3\u4f86\u8aaa\uff0c\u9019\u500b\u6578\u4f4d\u662f36%\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\">\u70ba\u4ec0\u9ebc\u73fe\u5728\u64c1\u6709\u623f\u5c4b\u7684\u4eba\u8d8a\u4f86\u8d8a\u5c11\uff1f<\/h2>\n\n<p>\u5728\u904e\u53bb\u5e7e\u5341\u5e74\u4e2d\uff0c\u623f\u5c4b\u64c1\u6709\u6b0a\u8da8\u52e2\u767c\u751f\u8b8a\u5316\u7684\u539f\u56e0\u5f88\u591a\u4e14\u5c64\u6b21\u5206\u660e\u3002<\/p>\n\n<p>CNBC \u8a18\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\u8afe\u74e6 \uff08Annie Nova<\/a>\uff09 \u6307\u51fa\uff0c\u5176\u4e2d\u4e00\u500b\u539f\u56e0\u662f\u4eba\u5011\u5c0d\u7d50\u5a5a\u3001\u751f\u5b50\u548c\u5b89\u9813\u4e0b\u4f86\u7684\u6587\u5316\u614b\u5ea6\u767c\u751f\u4e86\u8b8a\u5316\u3002\n\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3\u7684\u6578\u64da\u986f\u793a\uff0c\u4eba\u5011\u7684\u7d50\u5a5a\u5e74\u9f61\u4e2d\u4f4d\u6578\u6b63\u5728\u4e0a\u5347\uff1a2010 \u5e74\uff0c\u53ea\u6709 51% \u7684 18 \u6b72\u4ee5\u4e0a\u7684\u4eba\u7d50\u5a5a\uff0c\u800c 1960 \u5e74\u70ba 72%\u3002\n\u7814\u7a76\u4eba\u54e1 <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\u9577\u671f\u4ee5\u4f86\uff0c\u5a5a\u59fb\u4e00\u76f4\u5728\u5931\u53bb\u201c\u5e02\u5834\u4efd\u984d\u201d\uff0c\u88ab\u540c\u5c45\u7b49\u9078\u64c7\u6240\u53d6\u4ee3\u3002\n\u5c0d\u8a31\u591a\u5e74\u8f15\u4eba\u4f86\u8aaa\uff0c\u9577\u671f\u7a69\u5b9a\u4e26\u4e0d\u4e00\u5b9a\u610f\u5473\u8457\u914d\u5076\u3001\u5b69\u5b50\u548c\u5bb6\u3002   <\/p>\n\n<p>\u6839\u64da\u76ae\u5c24\u6148\u5584\u4fe1\u8a17\u57fa\u91d1 \uff08Pew Charitable Trusts\uff09 \u7684\u6578\u64da\uff0c\u79df\u91d1\u8ca0\u64d4\u662f\u963b\u7919\u4eba\u5011\u64c1\u6709\u623f\u5c4b\u7684\u53e6\u4e00\u500b\u56e0\u7d20\u3002\n2015\u5e74\uff0c\u8d85\u904e\u4e09\u5206\u4e4b\u4e00\u7684\u79df\u623f\u5bb6\u5ead\u201c\u623f\u79df\u8ca0\u64d4\u201d\uff0c\u9019\u610f\u5473\u8457\u4ed6\u5011\u5c07\u7a05\u524d\u6536\u5165\u7684 30% \u4ee5\u4e0a\u7528\u65bc\u4f4f\u623f\u6210\u672c\u3002\n\u9019\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\u7576\u4e00\u500b\u4eba\u7684\u5927\u90e8\u5206\u6536\u5165\u7528\u65bc\u623f\u79df\u6642\uff0c\u5c31\u4e0d\u53ef\u80fd\u5b58\u4e0b\u8db3\u5920\u7684\u9322\u4f86\u652f\u4ed8\u623f\u5c4b\u7684\u9996\u4ed8\u3002   <\/p>\n\n<p>\u963b\u7919\u6709\u5e0c\u671b\u7684\u623f\u4e3b\u7684\u4e0d\u50c5\u50c5\u662f\u9ad8\u6602\u7684\u79df\u91d1\u50f9\u683c\u3002\n\u8a31\u591a\u4eba\u9084\u80cc\u8ca0\u8457\u5de8\u984d\u5b78\u751f\u50b5\u52d9\u3002\n\u5168\u570b\u623f\u5730\u7522\u7d93\u7d00\u4eba\u5354\u6703 \uff08NAR\uff09 \u548c\u975e\u71df\u5229\u7d44\u7e54\u7f8e\u570b\u5b78\u751f\u63f4\u52a9\u7d44\u7e54 2017 \u5e74\u7684\u4e00\u9805\u806f\u5408\u7814\u7a76\u767c\u73fe\uff0c\u5b78\u751f\u50b5\u52d9\u8ca0\u64d4\u4f7f\u5343\u79a7\u4e00\u4ee3\u7684\u623f\u5c4b\u64c1\u6709\u6b0a\u63a8\u9072\u4e86\u4e03\u5e74\u3002\nNAR \u7684\u9996\u5e2d\u7d93\u6fdf\u5b78\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> \u7a31\u9019\u7a2e\u8ca0\u64d4\u662f\u201c\u5f71\u97ff\u5343\u79a7\u4e00\u4ee3\u4f4f\u623f\u9078\u64c7\u548c\u5176\u4ed6\u91cd\u5927\u4eba\u751f\u6c7a\u5b9a\u7684\u8ca1\u52d9\u548c\u60c5\u611f\u6210\u672c\u201d\u3002   <\/p>\n\n<h2 class=\"wp-block-heading\">\u5e74\u8f15\u6d88\u8cbb\u8005\u6b63\u5728\u91cd\u65b0\u8a55\u4f30\u64c1\u6709\u623f\u5c4b\u7684\u50f9\u503c<\/h2>\n\n<p>\u5373\u4f7f\u4ed6\u5011\u6c92\u6709\u80cc\u8ca0\u50b5\u52d9\u4e26\u4e14\u6709\u73fe\u91d1\u652f\u4ed8\u9996\u4ed8\uff0c\u8a31\u591a\u6f5b\u5728\u7684\u623f\u4e3b\u4e5f\u4e0d\u9858\u627f\u64d4\u6295\u8cc7\u623f\u5730\u7522\u5e36\u4f86\u7684\u98a8\u96aa\u3002\n\u6839\u64da Redfin \u7684\u4e00\u9805\u7814\u7a76\uff0c\u5c0d\u65bc\u8a31\u591a 55 \u6b72\u4ee5\u4e0a\u7684\u4eba\u4f86\u8aaa\uff0c\u623f\u5730\u7522\u6839\u672c\u4e0d\u88ab\u8a8d\u70ba\u6709\u592a\u5927\u7684\u98a8\u96aa\u3002\n\u4f46\u5c0d\u65bc 35-44 \u6b72\u5e74\u9f61\u6bb5\u7684\u4e00\u534a\u4ee5\u4e0a\u7684\u4eba\u4f86\u8aaa\uff0c\u80a1\u7968\u88ab\u8a8d\u70ba\u662f\u66f4\u5b89\u5168\u7684\u9078\u64c7\uff0cRedfin \u7684\u9996\u5e2d\u7d93\u6fdf\u5b78\u5bb6 <a href=\"https:\/\/www.financial-planning.com\/news\/with-memories-of-housing-crash-older-millennials-prefer-stocks\" target=\"_blank\" rel=\"noreferrer noopener\">\u9054\u91cc\u723e\u00b7\u8cbb\u723e\u97cb\u745f \uff08Daryl Fairweather<\/a>\uff09 \u8aaa\u3002\nFairweather \u89e3\u91cb\u8aaa\uff0c\u9019\u53ef\u80fd\u662f\u4ed6\u5011\u5728\u623f\u5730\u7522\u5e02\u5834\u5d29\u6f70\u6642\u5ea6\u904e 20 \u591a\u6b72\u548c 30 \u6b72\u51fa\u982d\u7684\u7d50\u679c\u3002   <\/p>\n\n<p>\u9019\u610f\u5473\u8457\uff0c\u5728\u6295\u8cc7\u65b0\u623f\u4e4b\u524d\uff0c\u8a31\u591a\u5343\u79a7\u4e00\u4ee3\u548c X \u4e16\u4ee3\u5fc5\u9808\u514b\u670d\u4ed6\u5011\u5c0d\u6240\u770b\u5230\u7684\u5e02\u5834\u5931\u6557\u7684\u61f7\u7591\u3002<\/p>\n\n<p>\u5118\u7ba1\u5982\u6b64\uff0c\u53e6\u4e00\u9805 NAR \u7814\u7a76\u8868\u660e\uff0c84% \u7684\u7f8e\u570b\u4eba\u8a8d\u70ba\u8cb7\u623f\u662f\u4e00\u500b\u597d\u7684\u8ca1\u52d9\u6c7a\u5b9a\u3002\nNAR \u7e3d\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 \u8aaa\uff0c\u5118\u7ba1\u4fdd\u7559\u610f\u898b\u662f\u53ef\u4ee5\u7406\u89e3\u7684\uff0c\u4f46\u7d55\u5927\u591a\u6578\u4eba\u4ecd\u7136\u6e34\u671b\u6709\u4e00\u5929\u64c1\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\">\u9019\u4e9b\u623f\u5c4b\u64c1\u6709\u6b0a\u8da8\u52e2\u5c0d\u4fdd\u96aa\u516c\u53f8\u610f\u5473\u8457\u4ec0\u9ebc\uff1f<\/h2>\n\n<p>\u5c0d\u65bc\u4fdd\u96aa\u63d0\u4f9b\u8005\u4f86\u8aaa\uff0c\u6709\u4e00\u500b\u597d\u6d88\u606f\uff1a\u623f\u5730\u7522\u5e02\u5834\u70ba\u65b0\u8cb7\u5bb6\u63d0\u4f9b\u4e86\u5145\u5206\u7684\u7406\u7531\u4f86\u514b\u670d\u4ed6\u5011\u5c0d\u623f\u5c4b\u64c1\u6709\u6b0a\u7684\u4fdd\u7559\u3002<\/p>\n\n<p>\u96d6\u7136\u65b0\u8cb7\u5bb6\u4ecd\u7136\u7121\u6cd5\u7372\u5f97\u8a31\u591a\u7f8e\u570b\u5927\u578b\u5e02\u5834\u7684\u623f\u5730\u7522\u50f9\u683c\uff0c\u4f46\u8a72\u570b\u5176\u4ed6\u5730\u5340\u6709\u5f88\u591a\u512a\u60e0\u3002\n2018 \u5e74\u7b2c\u4e09\u5b63\u5ea6\uff0c\u4f4f\u623f\u64c1\u6709\u7387\u98c6\u5347\u81f3 64.4%\uff0cGenworth Mortgage Insurance \u9996\u5e2d\u7d93\u6fdf\u5b78\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\u64da\u4eba\u53e3\u666e\u67e5\u5c40\u7684\u6578\u64da\uff0c\u9019\u4e00\u589e\u9577\u662f\u7531\u9996\u6b21\u8cfc\u623f\u8005\u63a8\u52d5\u7684\u3002  <\/p>\n\n<p>Liu \u8aaa\uff0c\u9019\u4ee3\u8868\u4e86\u4e00\u7a2e\u8da8\u52e2\u3002\n\u5927\u591a\u6578\u4eba\u6703\u79df\u623f\uff0c\u76f4\u5230\u4ed6\u5011\u8cb7\u5f97\u8d77\u70ba\u6b62\u3002\n\u56e0\u6b64\uff0c\u7576\u66f4\u591a\u7684\u4eba\u8cb7\u5f97\u8d77\u623f\u5b50\u6642\uff0c\u5c31\u6703\u6709\u66f4\u591a\u7684\u4eba\u8cb7\u623f\u3002  <\/p>\n\n<p>\u9019\u5c0d\u4fdd\u96aa\u516c\u53f8\u53ca\u5176\u623f\u4e3b\u4fdd\u96aa\u7522\u54c1\u7dda\u4f86\u8aaa\u662f\u500b\u597d\u6d88\u606f\u3002\n\u5177\u9ad4\u4f86\u8aaa\uff0c\u6700\u7d42\u9996\u6b21\u8cfc\u623f\u8005\u7684\u6e67\u5165\u610f\u5473\u8457\u5e0c\u671b\u8aac\u660e\u65b0\u4e00\u4ee3\u623f\u4e3b\u4fdd\u8b77\u81ea\u5df1\u548c\u6295\u8cc7\u7684\u4fdd\u96aa\u516c\u53f8\u6709\u6a5f\u6703\u3002 <\/p>\n\n<p>\u70ba\u4e86\u8207\u90a3\u4e00\u4ee3\u623f\u4e3b\u5efa\u7acb\u806f\u7e6b\uff0c\u904b\u71df\u5546\u61c9\u7262\u8a18\u5169\u500b\u8981\u9ede\uff1a<\/p>\n\n<h3 class=\"wp-block-heading\">1. \u4e0d\u8981\u5ffd\u8996\u79df\u623f\u8005\u4fdd\u96aa<\/h3>\n\n<p>\u4f9b\u61c9\u5546\u9084\u53ef\u4ee5\u901a\u904e\u81ea\u5df1\u64fa\u812b 2.3 \u500b\u5b69\u5b50\u548c\u67f5\u6b04\u7684\u9858\u666f\u4f86\u5438\u5f15\u65b0\u5ba2\u6236\u3002\n\u4eca\u5929\u5f88\u5c11\u6709\u4eba\u8d70\u5927\u5b78-\u8077\u696d-\u5a5a\u59fb-\u64c1\u6709\u623f\u5c4b\u7684\u7b46\u76f4\u9053\u8def\u3002\n\u76f8\u53cd\uff0c\u4eba\u5011\u79df\u623f\u76f4\u5230\u8cb7\u623f\u6210\u70ba\u4e00\u7a2e\u9078\u64c7\u3002  <\/p>\n\n<p>\u9019\u5c31\u662f\u70ba\u4ec0\u9ebc\u4fdd\u96aa\u516c\u53f8\u61c9\u8a72\u8a8d\u771f\u5be9\u8996\u4ed6\u5011\u7684\u79df\u623f\u8005\u4fdd\u96aa\u7cfb\u5217\uff0c\u9019\u662f\u4e00\u500b\u76f8\u5c0d\u5bb9\u6613\u7af6\u722d\u7684\u7522\u54c1\u985e\u5225\u3002\nORC International \u9032\u884c\u7684 2016 \u5e74 <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">\u4fdd\u96aa\u8cc7\u8a0a\u7814\u7a76\u6240<\/a> \u6c11\u610f\u8abf\u67e5\u767c\u73fe\uff0c\u96d6\u7136 93% \u7684\u623f\u4e3b\u5728\u5bb6\u4e2d\u8cfc\u8cb7\u4e86\u4fdd\u96aa\uff0c\u4f46\u53ea\u6709 41% \u7684\u79df\u623f\u8005\u70ba\u4ed6\u5011\u7684\u8ca1\u7522\u6295\u4fdd\u3002\n\u9019\u662f\u4e00\u5927\u7b46\u9322\u3002  <\/p>\n\n<p>\u6b64\u5916\uff0c\u79df\u623f\u8005\u4fdd\u96aa\u5275\u9020\u4e86\u4e00\u689d\u9014\u5f91\uff0c\u4f9b\u61c9\u5546\u53ef\u4ee5\u901a\u904e\u8a72\u9014\u5f91\u5efa\u7acb\u91cd\u8981\u7684\u5ba2\u6236\u95dc\u4fc2\u2014\u2014\u9019\u7a2e\u95dc\u4fc2\u751a\u81f3\u5728\u64c1\u6709\u623f\u5c4b\u6210\u70ba\u4e00\u7a2e\u9078\u64c7\u4e4b\u524d\u5f88\u4e45\u5c31\u5df2\u7d93\u5efa\u7acb\u8d77\u4f86\u4e86\u3002\n\u9019\u5c31\u662f\u70ba\u4ec0\u9ebc\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\u5beb\u7684\u90a3\u6a23\uff0c\u904b\u71df\u5546\u5728\u884c\u92b7\u5176\u7522\u54c1\u6642\u4ee5\u500b\u4eba\u6d88\u8cbb\u8005\u800c\u4e0d\u662f\u6838\u5fc3\u5bb6\u5ead\u70ba\u76ee\u6a19\u662f\u6709\u610f\u7fa9\u7684\u3002\n\u4eca\u5929\u7684\u79df\u623f\u8005\u4fdd\u96aa\u5ba2\u6236\u53ef\u80fd\u662f\u660e\u5929\u7684\u623f\u4e3b\u4fdd\u96aa\u5ba2\u6236\uff0c\u4f46\u90a3\u500b\u4eba\u53ef\u80fd\u4e0d\u6703\u8a2d\u60f3\u8b93\u5b69\u5b50\u548c\u5bf5\u7269\u4f4f\u6eff\u90a3\u500b\u5bb6\u3002  <\/p>\n\n<p>\u77ad\u89e3\u9019\u4e00\u9ede\u7684\u904b\u71df\u5546\u53ef\u4ee5\u66f4\u597d\u5730\u5efa\u7acb\u5fe0\u5be6\u7684\u5e74\u8f15\u5ba2\u6236\u7fa4\uff0c\u7136\u5f8c\u6700\u7d42\u5e6b\u52a9\u9019\u4e9b\u5ba2\u6236\u5f9e\u79df\u623f\u8005\u904e\u6e21\u5230\u623f\u4e3b\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">2. \u70ba\u5e74\u8f15\u5ba2\u6236\u512a\u5316\u6578\u5b57\u7ba1\u9053<\/h3>\n\n<p>\u5c0d\u65bc\u904b\u71df\u5546\u4f86\u8aaa\uff0c\u91cd\u8981\u7684\u662f\u8981\u8a18\u4f4f\uff0c\u9019\u4e9b\u5ba2\u6236\u671f\u671b\u7372\u5f97\u7c21\u55ae\u3001\u7c21\u5316\u7684\u670d\u52d9\u4ee5\u53ca\u5b8c\u5584\u7684\u6578\u4f4d\u7528\u6236\u9ad4\u9a57\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> \u5beb\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\u8f15\u7684\u8cfc\u623f\u8005\u624b\u88e1\u62ff\u8457\u624b\u6a5f\u9577\u5927\uff0c\u4ed6\u5011\u5e0c\u671b\u80fd\u5920\u96a8\u6642\u96a8\u5730\u8a2a\u554f\u4fdd\u96aa\u8cc7\u8a0a\u3002<\/p>\n\n<p>\u904b\u71df\u5546\u6709\u5f88\u591a\u6a5f\u6703\u53ef\u4ee5\u5229\u7528\u9019\u4e9b\u5ba2\u6236\u7684\u614b\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\u5beb\u7684\u90a3\u6a23\uff0c\u623f\u4e3b\u4fdd\u96aa\u662f\u4e00\u9805\u50f9\u503c 1000 \u5104\u7f8e\u5143\u7684\u696d\u52d9\uff0c\u4f46\u53ea\u6709 6% \u7684\u4fdd\u55ae\u5728\u7db2\u4e0a\u92b7\u552e\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u5728\u7576\u4eca\u884c\u92b7\u623f\u4e3b\u4fdd\u96aa\u6642\uff0c\u8010\u5fc3\u5f88\u91cd\u8981<\/h2>\n\n<p>\u5343\u79a7\u4e00\u4ee3\u5373\u5c07\u6210\u70ba <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>\u9019\u4e00\u4ee3\u4eba\u76ee\u7779\u4e86\u4ed6\u5011\u7684\u7236\u6bcd\u5728\u5927\u8870\u9000\u671f\u9593\u82e6\u82e6\u6399\u624e\uff0c\u9019\u4f7f\u5f97\u4ed6\u5011\u5728\u8ca1\u52d9\u4e0a\u6301\u8b39\u614e\u614b\u5ea6\u3002\n\u66f4\u91cd\u8981\u7684\u662f\uff0c\u4ed6\u5011\u66f4\u7fd2\u6163\u65bc\u7814\u7a76\u5728\u7dda\u8cfc\u8cb7\u3001\u6bd4\u8f03\u50f9\u683c\u548c\u95b1\u8b80\u7528\u6236\u8a55\u8ad6\uff0c\u800c\u4e0d\u662f\u4f9d\u8cf4\u7576\u5730\u5c08\u696d\u4eba\u58eb\u7684\u5c08\u696d\u77e5\u8b58\u3002 <\/p>\n\n<p>\u8ca1\u7522\u548c\u610f\u5916\u96aa\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u8abf\u6574\u4ed6\u5011\u7684\u7522\u54c1\u548c\u884c\u92b7\u7b56\u7565\uff0c\u4ee5\u8207\u9019\u4e9b\u5e74\u8f15\u3001\u7cbe\u660e\u7684\u6d88\u8cbb\u8005\u5efa\u7acb\u806f\u7e6b\u3002\n\u5343\u79a7\u4e00\u4ee3\u8cfc\u8cb7\u7b2c\u4e00\u5957\u623f\u5b50\u7684\u6642\u9593\u53ef\u80fd\u6bd4\u524d\u5e7e\u4ee3\u4eba\u591a\u4e00\u9ede\uff0c\u4f46\u4fdd\u96aa\u516c\u53f8\u73fe\u5728\u6709\u6a5f\u6703\u8207\u9019\u4e9b\u6d88\u8cbb\u8005\u5efa\u7acb\u806f\u7e6b\u2014\u2014\u7576\u9019\u4e9b\u5ba2\u6236\u9700\u8981\u5e6b\u52a9\u70ba\u4ed6\u5011\u7684\u7b2c\u4e00\u5957\u623f\u5b50\u6295\u4fdd\u6642\uff0c\u4ed6\u5011\u53ef\u4ee5\u5728\u6b63\u78ba\u7684\u6642\u9593\u51fa\u73fe\u5728\u6b63\u78ba\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>\u5e7e\u5341\u5e74\u524d\u5178\u578b\u7684\u7f8e\u570b\u5bb6\u5ead\u7684\u9858\u666f\u5305\u62ec\u5169\u500b\u7236\u6bcd\u30012.3 \u500b\u5b69\u5b50\u3001\u4e00\u96bb\u72d7\u548c\u4e00\u500b\u5e36\u6709\u82b1\u5712\u548c\u67f5\u6b04\u7684\u5bb6\u3002 \u7531\u65bc\u591a\u7a2e\u56e0\u7d20\u7684\u7d50\u5408 [&hellip;]<\/p>\n","protected":false},"featured_media":5875,"template":"","insight-category":[],"class_list":["post-17955","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight\/17955","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media\/5875"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media?parent=17955"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight-category?post=17955"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}