{"id":18496,"date":"2024-09-19T19:41:11","date_gmt":"2024-09-20T00:41:11","guid":{"rendered":"https:\/\/bolttech.io\/insight\/2023-%e5%b9%b4%e5%8f%8a%e4%bb%a5%e5%be%8c%e7%9a%84%e4%bf%9d%e9%9a%aa%e8%b6%a8%e5%8b%a2\/"},"modified":"2024-09-19T19:41:12","modified_gmt":"2024-09-20T00:41:12","slug":"2023-%e5%b9%b4%e5%8f%8a%e4%bb%a5%e5%be%8c%e7%9a%84%e4%bf%9d%e9%9a%aa%e8%b6%a8%e5%8b%a2","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/2023-%e5%b9%b4%e5%8f%8a%e4%bb%a5%e5%be%8c%e7%9a%84%e4%bf%9d%e9%9a%aa%e8%b6%a8%e5%8b%a2\/","title":{"rendered":"2023 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class=\"wp-block-heading\">\u4fdd\u96aa\u8da8\u52e2\uff1a\u5927\u5c40\u89c0<\/h2>\n\n<p>\u4fdd\u96aa\u516c\u53f8\u6240\u8655\u7684\u8b8a\u5316\u6f6e\u6d41\u53ef\u4ee5\u5206\u70ba\u4e09\u985e\uff1a<\/p>\n\n<h3 class=\"wp-block-heading\">\u4fdd\u96aa\u65b9\u6cd5<\/h3>\n\n<p>\u6280\u8853\u63d0\u4f9b\u4e86\u5206\u914d\u4fdd\u96aa\u7684\u65b0\u65b9\u6cd5\uff0c\u4e5f\u63d0\u4f9b\u4e86\u627f\u4fdd\u548c\u4e86\u89e3\u98a8\u96aa\u7684\u65b0\u65b9\u6cd5\u3002\n\u4eba\u5de5\u667a\u6167 \uff08AI\uff09 \u53ef\u5e6b\u52a9\u4fdd\u96aa\u516c\u53f8\u66f4\u597d\u5730\u77ad\u89e3\u98a8\u96aa\u4e26\u89e3\u6c7a\u6b3a\u8a50\u554f\u984c\u3002\nAI \u751a\u81f3\u53ef\u4ee5\u6d88\u9664\u98a8\u96aa\u8a55\u4f30\u4e2d\u7684\u504f\u898b\u3002  <\/p>\n\n<p>\u540c\u6642\uff0c\u6578\u4f4d\u529f\u80fd\u73fe\u5728\u652f\u63f4\u5d4c\u5165\u5f0f\u4fdd\u96aa\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\u96aa\u548c\u5176\u4ed6\u5c16\u7aef\u7684\u5206\u92b7\u548c\u4fdd\u96aa\u6a21\u5f0f\u3002\n\u7531\u65bc\u652f\u63f4 AI \u7684\u6578\u64da\u5206\u6790\uff0c\u53c3\u6578\u4fdd\u96aa\u4e5f\u53ef\u80fd\u6703\u6372\u571f\u91cd\u4f86\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u66f4\u6539\u95dc\u4fc2<\/h3>\n\n<p>\u904b\u71df\u5546\u8207\u4ee3\u7406\u5546\u3001\u7d93\u7d00\u4eba\u548c\u5ba2\u6236\u7684\u95dc\u4fc2\u4e5f\u5728\u767c\u751f\u8b8a\u5316\u3002\n\u6578\u5b57\u5e73\u81fa\u548c\u5408\u4f5c\u5925\u4f34\u95dc\u4fc2\u4f7f\u4ee3\u7406\u4eba\u548c\u7d93\u7d00\u4eba\u6bd4\u4ee5\u5f80\u4efb\u4f55\u6642\u5019\u90fd\u66f4\u5bb9\u6613\u70ba\u4fdd\u96aa\u6d41\u7a0b\u589e\u52a0\u50f9\u503c\uff0c\u5efa\u7acb\u66f4\u7262\u56fa\u7684\u5ba2\u6236\u95dc\u4fc2\u4e26\u8ffd\u52a0\u92b7\u552e\u91cf\u8eab\u5b9a\u88fd\u7684\u4fdd\u96aa\u3002 <\/p>\n\n<p>\u5ba2\u6236\u7684\u671f\u671b\u4e5f\u5728\u767c\u751f\u8b8a\u5316\u3002\n\u4eca\u5929\u7684\u5ba2\u6236\u8a8d\u70ba\u4ed6\u5011\u7684\u4fdd\u96aa\u8cfc\u7269\u9ad4\u9a57\u5c07\u63d0\u4f9b\u8207\u4ed6\u5011\u5728\u7dda\u8cfc\u8cb7\u5176\u4ed6\u5546\u54c1\u548c\u670d\u52d9\u76f8\u540c\u7684\u4fbf\u5229\u6027\u3002\n\u5ffd\u8996\u6578\u4f4d\u5de5\u5177\u5851\u9020\u5ba2\u6236\u671f\u671b\u7684\u65b9\u5f0f\u7684\u904b\u71df\u5546\u5c07\u9762\u81e8\u98a8\u96aa\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u6578\u4f4d\u4e16\u754c<\/h3>\n\n<p>\u6211\u5011\u8d8a\u4f86\u8d8a\u591a\u5730\u5728\u7db2\u4e0a\u5de5\u4f5c\u3001\u8cfc\u7269\u548c\u804a\u5929\uff0c\u5275\u9020\u4e86\u4e00\u500b\u8207\u7269\u7406\u4e16\u754c\u5e73\u884c\u7684\u6578\u4f4d\u4e16\u754c\u3002\n\u5728\u9019\u500b\u6578\u4f4d\u4e16\u754c\u4e2d\uff0c\u6578\u4f4d\u76ee\u7684\u5730\u6b63\u5728\u6210\u70ba\u5efa\u7acb\u5ba2\u6236\u95dc\u4fc2\u7684\u6c83\u571f\u3002 <\/p>\n\n<p>\u5728\u6578\u4f4d\u751f\u614b\u7cfb\u7d71\u4e2d\u57f9\u990a\u7684\u4fdd\u96aa\u5408\u4f5c\u5925\u4f34\u95dc\u4fc2\u5275\u9020\u4e86\u63a5\u89f8\u5ba2\u6236\u7684\u65b0\u65b9\u5f0f\u3002\n\u9019\u4e9b\u751f\u614b\u7cfb\u7d71\u70ba\u5ba2\u6236\u589e\u52a0\u50f9\u503c\uff0c\u5728\u5ba2\u6236\u548c\u904b\u71df\u5546\u4e4b\u9593\u5efa\u7acb\u806f\u7e6b\uff0c\u4f75\u70ba\u5ea7\u5e2d\u63d0\u4f9b\u4e00\u7a2e\u5f37\u5927\u7684\u50f9\u503c\u69cb\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\u5c07\u8da8\u52e2\u548c\u6280\u8853\u4ed8\u8af8\u5be6\u8e10<\/h2>\n\n<p>\u201c\u5728\u904e\u53bb\u7684\u5e7e\u5e74\u88e1\uff0c\u5927\u591a\u6578\u4fdd\u96aa\u516c\u53f8\u5728\u514b\u670d\u4e00\u7cfb\u5217\u969c\u7919\u65b9\u9762\u8868\u73fe\u51fa\u4e86\u975e\u51e1\u7684\u9748\u6d3b\u6027\u548c\u97cc\u6027\uff0c\u5c24\u5176\u662f\u5927\u6d41\u884c\u7684\u5f71\u97ff\u548c\u4fc4\u70cf\u885d\u7a81\u7684\u7d93\u6fdf\u5f71\u97ff\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\u54e1\u5beb\u9053\u3002\n\u60e1\u52a3\u5929\u6c23\u548c\u74b0\u5883\u707d\u5bb3\u7684\u6301\u7e8c\u589e\u52a0\u4e5f\u7d66\u4fdd\u96aa\u516c\u53f8\u5e36\u4f86\u4e86\u58d3\u529b\u3002 <\/p>\n\n<p>Hersch\u7b49\u4eba\u5beb\u9053\uff0c\u4fdd\u96aa\u516c\u53f8\u50be\u5411\u65bc\u56db\u985e\u958b\u767c\uff0c\u4ee5\u4fbf\u5728\u9762\u5c0d\u9019\u4e9b\u6311\u6230\u6642\u5efa\u7acb\u9748\u6d3b\u6027\u548c\u5f48\u6027\u3002\n\u9019\u4e9b\u5305\u62ec\uff1a <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u6539\u9032\u5167\u90e8\u7cfb\u7d71\u4ee5\u53ca\u9762\u5411\u5ba2\u6236\u548c\u4ee3\u7406\u7684\u5de5\u5177\u3002<\/li>\n\n\n\n<li>\u64f4\u5c55\u4ed6\u5011\u7684\u80fd\u529b\u3002<\/li>\n\n\n\n<li>\u63a1\u7528\u654f\u6377\u7684\u4eba\u624d\u6230\u7565\u3002<\/li>\n\n\n\n<li>\u6295\u8cc7\u65bc\u63a8\u9032\u5176\u76ee\u6a19\u6240\u9700\u7684\u6280\u8853\u3002<\/li>\n<\/ul>\n\n<p>\u5118\u7ba1\u5982\u6b64\uff0c\u201c\u73fe\u5728\u4e0d\u662f\u904b\u71df\u5546\u5c0d\u4ed6\u5011\u5fc5\u9808\u505a\u51fa\u7684\u8abf\u6574\u611f\u5230\u6eff\u610f\u7684\u6642\u5019\uff0c\u201d\u4f5c\u8005\u8b66\u544a\u8aaa\u3002\n\u76f8\u53cd\uff0c\u73fe\u5728\u662f\u904b\u71df\u5546\u4f7f\u7528\u4ed6\u5011\u5df2\u7d93\u63a5\u53d7\u7684\u65b0\u5de5\u5177\u548c\u6230\u7565\u4f86\u69cb\u5efa\u5145\u6eff\u6311\u6230\u7684\u672a\u4f86\u7684\u6642\u5019\u4e86\u3002 <\/p>\n\n<p>\u901a\u8ca8\u81a8\u8139\u5728 2022 \u5e74\u5e36\u4f86\u4e86\u65b0\u7684\u6311\u6230\uff0c\u4e26\u4e14\u5728\u672a\u4f86\u5e7e\u5e74\u53ef\u80fd\u6703\u5982\u6b64\u3002\n\u745e\u58eb\u518d\u4fdd\u96aa\u7d93\u6fdf\u5b78\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> \u5beb\u9053\uff0c\u96a8\u8457\u901a\u8ca8\u81a8\u8139\u7684\u589e\u52a0\uff0c\u7d22\u8ce0\u6210\u672c\u4e5f\u6703\u589e\u52a0\uff0c\u9019\u53cd\u904e\u4f86\u53c8\u6703\u5f71\u97ff\u7372\u5229\u7387\u548c\u4fdd\u8cbb\u589e\u9577\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> \u5beb\u9053\uff0c\u5c0d\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u516c\u53f8\u4f86\u8aaa\uff0c\u597d\u6d88\u606f\u662f\u8a72\u884c\u696d\u7684\u589e\u9577\u52e2\u982d\u5f37\u52c1\uff0c\u70ba\u8fd1\u671f\u589e\u9577\u5960\u5b9a\u4e86\u57fa\u790e\u3002\n\u4fdd\u96aa\u516c\u53f8\u9700\u8981\u7e7c\u7e8c\u5229\u7528\u5176\u6578\u4f4d\u5316\u589e\u9577\u548c\u6548\u7387\uff0c\u4ee5\u63a7\u5236\u6210\u672c\uff0c\u540c\u6642\u5c55\u793a\u5ba2\u6236\u6240\u9700\u7684\u50f9\u503c\u548c\u53ef\u9760\u6027\u3002 <\/p>\n\n<p>\u6578\u5b57\u985b\u8986\u50c5\u50c5\u662f\u4e00\u7a2e\u9810\u6e2c\u6216\u65b0\u5947\u4e8b\u7269\u7684\u65e5\u5b50\u65e9\u5df2\u4e00\u53bb\u4e0d\u5fa9\u8fd4\u4e86\u3002\n\u5982\u4eca\uff0c\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u61c9\u5c0d\u6578\u4f4d\u9769\u547d\u3002\n\u90a3\u4e9b\u9019\u6a23\u505a\u7684\u4eba\u6703\u63a5\u53d7\u5b83\u7684\u597d\u8655\uff0c\u4f75\u70ba\u66f4\u7f8e\u597d\u7684\u672a\u4f86\u505a\u597d\u6e96\u5099\u3002  <\/p>\n\n<p><em>\u5716\u7247\u4f86\u81ea\uff1a nettpix\/\u00a9123RF.com\uff0c gstockstudio\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u7576\u524d\u6240\u6709\u4e3b\u8981\u7684\u4fdd\u96aa\u8da8\u52e2\u90fd\u53ef\u4ee5\u7528\u4e00\u500b\u8a5e\u4f86\u6982\u62ec\uff1a\u6578\u4f4d\u5316\u3002 \u5f9e\u4fdd\u96aa\u751f\u614b\u7cfb\u7d71\u5230\u4e0d\u65b7\u8b8a\u5316\u7684\u5ba2\u6236\u671f\u671b\uff0c\u4fdd\u96aa\u516c\u53f8\u4eca\u5929\u548c\u672a\u4f86\u9762 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