{"id":18518,"date":"2024-09-19T19:41:27","date_gmt":"2024-09-20T00:41:27","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e5%8f%83%e6%95%b8%e4%bf%9d%e9%9a%aa%e5%96%ae%e5%a6%82%e4%bd%95%e5%b9%ab%e5%8a%a9%e6%89%93%e6%93%8a%e6%ac%ba%e8%a9%90\/"},"modified":"2024-09-19T19:41:30","modified_gmt":"2024-09-20T00:41:30","slug":"%e5%8f%83%e6%95%b8%e4%bf%9d%e9%9a%aa%e5%96%ae%e5%a6%82%e4%bd%95%e5%b9%ab%e5%8a%a9%e6%89%93%e6%93%8a%e6%ac%ba%e8%a9%90","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e5%8f%83%e6%95%b8%e4%bf%9d%e9%9a%aa%e5%96%ae%e5%a6%82%e4%bd%95%e5%b9%ab%e5%8a%a9%e6%89%93%e6%93%8a%e6%ac%ba%e8%a9%90\/","title":{"rendered":"\u53c3\u6578\u4fdd\u96aa\u55ae\u5982\u4f55\u5e6b\u52a9\u6253\u64ca\u6b3a\u8a50"},"content":{"rendered":"\n<p>\u9577\u671f\u4ee5\u4f86\uff0c\u4eba\u5011\u4e00\u76f4\u6301\u61f7\u7591\u614b\u5ea6\u7684\u53c3\u6578\u5316\u4fdd\u96aa\u55ae\uff0c\u7531\u65bc\u5148\u9032\u7684\u6578\u64da\u5206\u6790\u5de5\u5177\uff0c\u5b83\u6b63\u5728\u767c\u63ee\u4f5c\u7528\u3002<\/p>\n\n<p>\u201c\u6f5b\u5728\u707d\u96e3\u6027\u98a8\u96aa\u7684\u4f86\u6e90\u548c\u6211\u5011\u91cf\u5316\u98a8\u96aa\u7684\u80fd\u529b\u6b63\u5728\u767c\u751f\u8b8a\u5316\uff0c\u201d\u4fdd\u96aa\u6559\u80b2\u63d0\u4f9b\u8005 The Institutes \u7684\u77e5\u8b58\u8cc7\u6e90\u9ad8\u7d1a\u7e3d\u76e3 <a href=\"https:\/\/www.insurancejournal.com\/news\/international\/2019\/09\/24\/540903.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Michael W. Elliott<\/a> \u5beb\u9053\u3002\n\u4eca\u5929\uff0c\u53c3\u6578\uff08\u6216\u57fa\u65bc\u6307\u6578\uff09\u7684\u4fdd\u96aa\u55ae\u66f4\u6709\u610f\u7fa9\uff0c\u56e0\u70ba\u5b83\u5011\u53ef\u4ee5\u66f4\u6709\u6548\u5730\u6839\u64da\u5ba2\u6236\u7684\u640d\u5931\u9032\u884c\u5b9a\u88fd\u3002 <\/p>\n\n<p><a href=\"https:\/\/www.boltinsurance.com\/insights\/blogs\/market-parametric-insurance-policies\" target=\"_blank\" rel=\"noreferrer noopener\">\u53c3\u6578\u4fdd\u55ae<\/a> \u9084\u63d0\u4f9b\u4e86\u4e00\u7a2e\u6253\u64ca\u6b3a\u8a50\u7684\u65b0\u65b9\u6cd5\uff0c\u9019\u4ecd\u7136\u662f\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u516c\u53f8\u6700\u95dc\u5fc3\u7684\u554f\u984c\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u4fdd\u96aa\u6b3a\u8a50\u7684\u73fe\u72c0<\/h2>\n\n<p>\u4fdd\u96aa\u6b3a\u8a50\u7684\u5b58\u5728\u6642\u9593\u5e7e\u4e4e\u8207\u4fdd\u96aa\u672c\u8eab\u4e00\u6a23\u9577\u3002\n\u4e00\u65e6\u4fdd\u96aa\u6210\u70ba\u500b\u4eba\u548c\u4f01\u696d\u74b0\u5883\u4e2d\u7684\u4e00\u7a2e\u9078\u64c7\uff0c\u4e0d\u4e45\u4e4b\u5f8c\uff0c\u4e0d\u6cd5\u4e4b\u5f92\u5c31\u60f3\u65b9\u8a2d\u6cd5\u6b3a\u9a19\u4fdd\u96aa\u516c\u53f8\uff0c\u4ee5\u7372\u5f97\u4e0d\u52de\u800c\u7372\u7684\u610f\u5916\u4e4b\u8ca1\u3002 <\/p>\n\n<p>\u5982\u4eca\uff0c\u4fdd\u96aa\u6b3a\u8a50\u4ee5\u8a31\u591a\u4e0d\u540c\u7684\u5f62\u5f0f\u51fa\u73fe\uff0c\u5f9e\u7cbe\u5fc3\u8a2d\u8a08\u7684\u6b3a\u9a19\u548c\u5fb9\u982d\u5fb9\u5c3e\u7684\u8b0a\u8a00\u5230\u201c\u8edf\u6027\u201d\u6b3a\u8a50\uff0c\u5373\u5ba2\u6236\u932f\u8aa4\u5730\u9673\u8ff0\u4ed6\u5011\u7684\u60c5\u6cc1\u4ee5\u6e1b\u5c11\u4ed6\u5011\u7684\u7e3d\u4fdd\u8cbb\uff0c\u74b0\u806f\u5168\u7403\u6b3a\u8a50\u89e3\u6c7a\u65b9\u6848\u9ad8\u7d1a\u526f\u7e3d\u88c1 <a href=\"https:\/\/www.propertycasualty360.com\/2022\/08\/23\/insurance-remains-industry-with-the-most-global-digital-fraud-growth\/\" target=\"_blank\" rel=\"noreferrer noopener\">Shai Cohen<\/a> \u8aaa\u3002\n\u96a8\u8457\u4e92\u806f\u7db2\u6210\u70ba\u4fdd\u96aa\u516c\u53f8\u548c\u5ba2\u6236\u6e9d\u901a\u3001\u5171\u7528\u3001\u5b58\u5132\u548c\u5206\u6790\u6578\u64da\u7684\u4e3b\u8981\u65b9\u5f0f\uff0c\u6578\u4f4d\u6216\u7db2\u8def\u6b3a\u8a50\u6025\u5287\u589e\u52a0\u3002 <\/p>\n\n<p>\u74b0\u806f \uff08TransUnion\uff09 \u7684\u7814\u7a76\u767c\u73fe\uff0c2021 \u5e74\u548c 2022 \u5e74\u6700\u5e38\u898b\u7684\u6b3a\u8a50\u985e\u578b\u662f\u7b2c\u4e00\u65b9\u61c9\u7528\u7a0b\u5f0f\u6b3a\u8a50\u3002\n\u5728\u9019\u4e9b\u60c5\u6cc1\u4e0b\uff0c\u5ba2\u6236\u4f7f\u7528\u4e0d\u6b63\u78ba\u3001\u865b\u5047\u6216\u7e31\u7684\u4fe1\u606f\u7533\u8acb\u4fdd\u96aa\uff0c\u76ee\u7684\u662f\u4ee5\u66f4\u4f4e\u7684\u6210\u672c\u7372\u5f97\u66f4\u597d\u7684\u4fdd\u96aa\u3002\n\u5ba2\u6236\u5728\u7d22\u8ce0\u904e\u7a0b\u4e2d\u865b\u5831\u640d\u5931\u7684\u6b3a\u8a50\u884c\u70ba\u4e5f\u6642\u6709\u767c\u751f\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\/handshake-with-contractor-1024x683.jpg\" alt=\"\" class=\"wp-image-11801\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-with-contractor-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-with-contractor-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-with-contractor-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-with-contractor.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u53c3\u6578\u7b56\u7565\u4f5c\u70ba\u9632\u6b62\u6b3a\u8a50\u7684\u9632\u79a6\u63aa\u65bd<\/h2>\n\n<p>\u6700\u5e38\u898b\u7684\u7533\u8acb\u548c\u7d22\u8ce0\u6b3a\u8a50\u985e\u578b\u53d6\u6c7a\u65bc\u9577\u671f\u4ee5\u4f86\u88ab\u8a8d\u70ba\u662f\u4fdd\u96aa\u55ae\u7279\u6709\u7684\u4e00\u500b\u7279\u5fb5\uff1a\u9700\u8981\u5ba2\u6236\u8f38\u5165\u3002<\/p>\n\n<p>\u5728\u7b2c\u4e00\u65b9\u7533\u8acb\u6b3a\u8a50\u4e2d\uff0c\u5ba2\u6236\u5411\u4fdd\u96aa\u516c\u53f8\u5831\u544a\u95dc\u9375\u8cc7\u8a0a\uff0c\u4f8b\u5982\u8ca1\u7522\u7684\u50f9\u503c\u3001\u4f4d\u7f6e\u548c\u6750\u6599\u3002\n\u5728\u7b2c\u4e00\u65b9\u7d22\u8ce0\u6b3a\u8a50\u4e2d\uff0c\u5ba2\u6236\u518d\u6b21\u5411\u4fdd\u96aa\u516c\u53f8\u5831\u544a\u95dc\u9375\u8cc7\u8a0a\uff0c\u4f8b\u5982\u640d\u5bb3\u7684\u985e\u578b\u548c\u7a0b\u5ea6\u3002 <\/p>\n\n<p>\u4fdd\u96aa\u516c\u53f8\u6295\u5165\u5927\u91cf\u6642\u9593\u548c\u7cbe\u529b\u4f86\u4ed4\u7d30\u6aa2\u67e5\u9019\u4e9b\u7d30\u7bc0\u3002\n\u53c3\u6578\u5316\u4fdd\u55ae\u53ef\u4ee5\u6d88\u9664\u4fdd\u96aa\u516c\u53f8\u5728\u63d0\u4f9b\u8cc7\u8a0a\u6642\u5c0d\u5ba2\u6236\u8aa0\u4fe1\u7684\u4f9d\u8cf4\uff0c\u5f9e\u800c\u5728\u5f88\u5927\u7a0b\u5ea6\u4e0a\u6d88\u9664\u5c0d\u9019\u4e9b\u5de5\u4f5c\u7684\u9700\u8981\u3002 <\/p>\n\n<p>\u53c3\u6578\u4fdd\u55ae\u6839\u64da\u6578\u64da\u800c\u4e0d\u662f\u5ba2\u6236\u5831\u544a\u8a2d\u5b9a\u4fdd\u8cbb\u4f75\u767c\u653e\u7d22\u8ce0\u4ed8\u6b3e\u3002\n\u4f8b\u5982\uff0c\u53c3\u6578\u6d2a\u6c34\u4fdd\u96aa\u6839\u64da\u5efa\u7bc9\u7269\u8207\u6d2a\u6c34\u7684\u8ddd\u96e2\u3001\u6d2a\u6c34\u7684\u56b4\u91cd\u7a0b\u5ea6\u548c\u5176\u4ed6\u56e0\u7d20\u4f86\u8a08\u7b97\u6d2a\u6c34\u640d\u5931\u3002\n\u7136\u5f8c\uff0c\u4fdd\u55ae\u6703\u6839\u64da\u9019\u4e9b\u8861\u91cf\u6a19\u6e96\u89f8\u767c\u7d22\u8ce0\u652f\u4ed8\u3002  <\/p>\n\n<p>\u5728\u53c3\u6578\u6cdb\u6d2a\u7b56\u7565\u4e2d\uff0c\u5ba2\u6236\u5c0d\u61c9\u7528\u7a0b\u5f0f\u7684\u8aa0\u5be6\u5ea6\u9060\u4e0d\u90a3\u9ebc\u91cd\u8981\u3002\n\u8986\u84cb\u7bc4\u570d\u4e0d\u662f\u57fa\u65bc\u5ba2\u6236\u95dc\u65bc\u5176\u9632\u6d2a\u6280\u8853\u7684\u5831\u544a\uff0c\u800c\u662f\u57fa\u65bc\u5efa\u7bc9\u7269\u7684\u4f4d\u7f6e\u548c\u6d2a\u6c34\u6e90\u7684\u66b4\u9732\u7a0b\u5ea6\u3002\n\u540c\u6a23\uff0c\u6b64\u985e\u7b56\u7565\u7684\u8072\u660e\u53ef\u4ee5\u7531 customers \u4ee5\u5916\u7684\u6578\u64da\u6e90\u7ba1\u7406\u3002  <\/p>\n\n<p>\u201c\u5c0d\u65bc\u67d0\u4e9b\u53c3\u6578\u7522\u54c1\uff0c\u6b3a\u8a50\u6027\u8072\u660e\u5e7e\u4e4e\u662f\u4e0d\u53ef\u80fd\u7684\uff0c\u56e0\u70ba\u89f8\u767c\u56e0\u7d20\u662f\u57fa\u65bc\u7b2c\u4e09\u65b9\u6578\u64da\uff0c\u201dInstech \u7684\u7814\u7a76\u5206\u6790\u5e2b <a href=\"https:\/\/www.instech.co\/insight\/four-challenges-facing-parametric-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Henry Gale<\/a> \u5beb\u9053\u3002\nGale \u4ee5\u5730\u9707\u653f\u7b56\u70ba\u4f8b\u3002\n\u5730\u9707\u640d\u5931\u7684\u53c3\u6578\u5316\u4fdd\u55ae\u53ef\u80fd\u6703\u6839\u64da\u5f9e\u806f\u90a6\u5730\u8cea\u6a5f\u69cb\uff08\u800c\u4e0d\u662f\u5ba2\u6236\uff09\u6536\u5230\u7684\u6578\u64da\u81ea\u52d5\u767c\u653e\u4ed8\u6b3e\u3002\n\u56e0\u6b64\uff0c\u5ba2\u6236\u7121\u6cd5\u5831\u544a\u4e0d\u6e96\u78ba\u6216\u507d\u9020\u7684\u4fe1\u606f\uff0c\u56e0\u70ba\u4fdd\u96aa\u516c\u53f8\u6c38\u9060\u4e0d\u9700\u8981\u4ed6\u5011\u7684\u8f38\u5165\u3002   <\/p>\n\n<p>\u201c\u6211\u53ef\u4ee5\u770b\u5230\u4e00\u500b\u672a\u4f86\uff0c\u7406\u8ad6\u4e0a\uff0c\u60a8\u53ef\u4ee5\u4f7f\u7528\u5be6\u6642\u6578\u64da\u70ba\u4efb\u4f55\u4e8b\u60c5\u5275\u5efa\u53c3\u6578\u5316\u4fdd\u96aa\u89e3\u6c7a\u65b9\u6848\u3002\u9019\u807d\u8d77\u4f86\u50cf\u79d1\u5e7b\u5c0f\u8aaa\uff0c\u4f46\u5be6\u969b\u4e0a\uff0c\u6703\u6709\u8db3\u5920\u7684\u6578\u64da\uff0c\u201cElement Insurance \u9996\u5e2d\u4fdd\u96aa\u8fa6\u516c\u5ba4\u517c\u9996\u5e2d\u8ca1\u52d9\u5b98 <a href=\"https:\/\/www.insurancetimes.co.uk\/news\/parametric-ugly-duckling-could-become-sectors-future\/1440616.article\" target=\"_blank\" rel=\"noreferrer noopener\">Eric Schuh<\/a> \u8aaa\u3002\n\u5728\u9019\u500b\u79d1\u5e7b\u7684\u672a\u4f86\uff0c\u5ba2\u89c0\u548c\u503c\u5f97\u4fe1\u8cf4\u7684\u6578\u64da\u4e5f\u53ef\u80fd\u6d88\u9664\u4fdd\u96aa\u6b3a\u8a50\u884c\u696d\u3002 <\/p>\n\n<p><em>\u5716\u7247\u4f86\u81ea\uff1a khunaspix\/\u00a9123RF.com\uff0c giggsy25\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u9577\u671f\u4ee5\u4f86\uff0c\u4eba\u5011\u4e00\u76f4\u6301\u61f7\u7591\u614b\u5ea6\u7684\u53c3\u6578\u5316\u4fdd\u96aa\u55ae\uff0c\u7531\u65bc\u5148\u9032\u7684\u6578\u64da\u5206\u6790\u5de5\u5177\uff0c\u5b83\u6b63\u5728\u767c\u63ee\u4f5c\u7528\u3002 \u201c\u6f5b\u5728\u707d\u96e3\u6027\u98a8\u96aa\u7684\u4f86\u6e90\u548c [&hellip;]<\/p>\n","protected":false},"featured_media":11813,"template":"","insight-category":[],"class_list":["post-18518","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight\/18518","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\/11813"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media?parent=18518"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight-category?post=18518"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}