{"id":22289,"date":"2024-10-08T18:21:48","date_gmt":"2024-10-08T23:21:48","guid":{"rendered":"https:\/\/bolttech.io\/insights\/insurance-%e5%a6%82%e4%bd%95%e6%93%b4%e5%b1%95%e5%88%b0%e5%85%b6%e5%82%b3%e7%b5%b1%e7%94%a2%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%93%b4%e5%b1%95%e5%88%b0%e5%85%b6%e5%82%b3%e7%b5%b1%e7%94%a2%e5%93%81%e4%b9%8b%e5%a4%96","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/insurance-%e5%a6%82%e4%bd%95%e6%93%b4%e5%b1%95%e5%88%b0%e5%85%b6%e5%82%b3%e7%b5%b1%e7%94%a2%e5%93%81%e4%b9%8b%e5%a4%96\/","title":{"rendered":"Insurance \u5982\u4f55\u64f4\u5c55\u5230\u5176\u50b3\u7d71\u7522\u54c1\u4e4b\u5916"},"content":{"rendered":"\n

\u4fdd\u96aa\u516c\u53f8\u5c08\u6ce8\u65bc\u98a8\u96aa\u9818\u57df\uff0c\u5e7e\u500b\u4e16\u7d00\u4ee5\u4f86\uff0c\u4ed6\u5011\u4e00\u76f4\u5c08\u6ce8\u65bc\u81ea\u5df1\u7684\u5c08\u696d\u9818\u57df\u3002<\/p>\n\n

\u5982\u4eca\uff0c\u4fdd\u96aa\u516c\u53f8\u767c\u73fe\uff0c\u5728\u50b3\u7d71\u4fdd\u96aa\u696d\u4e4b\u5916\uff0c\u6700\u597d\u627e\u5230\u589e\u9577\u548c\u8f49\u578b\u7684\u6a5f\u6703\u3002\u4fdd\u96aa\u696d\u4f75\u8cfc\u6d3b\u52d5\u7684\u5feb\u901f\u589e\u9577\uff0c\u4ee5\u53ca\u5c0d\u6578\u4f4d\u5316\u8f49\u578b\u7684\u627f\u8afe\uff0c\u6b63\u5728\u63a8\u52d5\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u516c\u53f8\u7684\u5275\u65b0\u548c\u8b8a\u9769\u3002 <\/p>\n\n

\u4f75\u8cfc<\/h2>\n\n

\u201c\u8003\u616e\u5230 COVID-19 \u7684\u5065\u5eb7\u3001\u7d93\u6fdf\u548c\u653f\u6cbb\u6311\u6230\u6240\u5e36\u4f86\u7684\u5ee3\u6cdb\u4e0d\u78ba\u5b9a\u6027\uff0c\u4fdd\u96aa\u696d\u5728 2020 \u5e74\u7684\u4f75\u8cfc\u6d3b\u52d5\u6bd4\u9810\u671f\u7684\u8981\u591a\uff0c\u201d\u5fb7\u52e4\u7684 Doug Sweeney \u548c Mark Purowitz<\/a> \u5beb\u9053\u3002<\/p>\n\n

Sweeney \u548c Purowitz \u6307\u51fa\uff0c\u96d6\u7136 2019 \u5e74\u81f3 2020 \u5e74\u671f\u9593\u4ea4\u6613\u7e3d\u6578\u7565\u6709\u4e0b\u964d\uff0c\u4f46\u5728\u6b64\u671f\u9593\u767c\u751f\u7684\u4f75\u8cfc\u50f9\u503c\u589e\u9577\u4e86 39%\u3002\u5fb7\u52e4\u7684\u4e00\u9805\u7814\u7a76\u767c\u73fe\uff0c\u5317\u7f8e 32% \u7684\u4fdd\u96aa\u516c\u53f8\u5c07\u4f75\u8cfc\u8996\u70ba\u63d0\u9ad8\u8ca1\u52d9\u7a69\u5b9a\u6027\u7684\u4e00\u7a2e\u65b9\u5f0f\uff0c\u4e26\u5728\u5feb\u901f\u6578\u4f4d\u5316\u8f49\u578b\u548c\u6975\u5ea6\u4e0d\u78ba\u5b9a\u6027\u7684\u6642\u4ee3\u63a1\u53d6\u6230\u7565\u884c\u52d5\u3002 <\/p>\n\n

COVID-19 \u5927\u6d41\u884c\u7684\u958b\u59cb\u66ab\u6642\u6e1b\u7de9\u4e86\u4f75\u8cfc\u6d3b\u52d5\uff0c\u4f46\u9019\u7a2e\u653e\u7de9\u4f3c\u4e4e\u662f\u4ea4\u6613\u7684\u63a8\u9072\uff0c\u800c\u4e0d\u662f\u672a\u6c7a\u4ea4\u6613\u7684\u53d6\u6d88\u3002\u201c\u4fdd\u96aa\u884c\u696d\u7684\u4ea4\u6613\u64ae\u5408\u8005\uff0c\u5c31\u50cf\u8a31\u591a\u5176\u4ed6\u4eba\u4e00\u6a23\uff0c\u5728\u4eca\u5e74\u4e0a\u534a\u5e74\u505c\u4e0b\u4f86\u9032\u884c\u53cd\u601d\uff0c\u4f46\u4e0d\u6703\u6301\u7e8c\u592a\u4e45\uff0c\u201dClyde & Co\u516c\u53f8\u4f01\u696d\u4fdd\u96aa\u96c6\u5718\u7684\u5408\u5925\u4eba Ivor Edwards<\/a>\u8aaa\u3002 <\/p>\n\n

2021 \u5e74\u4e0a\u534a\u5e74\uff0c\u4fdd\u96aa\u516c\u53f8\u7e7c\u7e8c\u63a5\u53d7\u4f75\u8cfc\u4ea4\u6613\u7684\u901f\u5ea6\u9032\u4e00\u6b65\u52a0\u5feb\u3002\u6839\u64da\u666e\u83ef\u6c38\u9053\u7684\u6578\u64da\uff0c2021 \u5e74 1 \u6708\u81f3 5 \u6708\u671f\u9593\u5ba3\u4f48\u4e86 215 \u7b46\u4fdd\u96aa\u4ea4\u6613\uff0c\u7e3d\u50f9\u503c\u70ba 246 \u5104\u7f8e\u5143\u3002 <\/p>\n\n

\u666e\u83ef\u6c38\u9053\u4fdd\u96aa\u4ea4\u6613\u4e3b\u7ba1 Mark Friedman<\/a> \u8868\u793a\uff1a\u300c\u4eca\u5e74\u4e0a\u534a\u5e74\uff0c\u4fdd\u96aa\u4ea4\u6613\u7684\u901f\u5ea6\u548c\u898f\u6a21\u7e7c\u7e8c\u52a0\u5feb\uff0c\u56e0\u70ba\u8ce3\u5bb6\u5e0c\u671b\u5229\u7528\u5c0d\u4fdd\u96aa\u696d\u52d9\u5f37\u52c1\u9700\u6c42\u63a8\u52d5\u7684\u9ad8\u4f30\u503c\u3002<\/p>\n\n

\u9019\u7a2e\u4e0a\u5347\u8da8\u52e2\u5728\u4e0d\u4e45\u7684\u5c07\u4f86\u6c92\u6709\u653e\u7de9\u7684\u8de1\u8c61\u3002\u201c\u6211\u5011\u9810\u8a08 2022 \u5e74\u4fdd\u96aa\u4f75\u8cfc\u6d3b\u52d5\u5c07\u7e7c\u7e8c\u5f37\u52c1\uff0c\u201d\u666e\u83ef\u6c38\u9053\u4ea4\u6613\u90e8\u9580\u8ca0\u8cac\u4eba John Potter<\/a> \u548c\u5176\u4ed6\u5408\u5925\u4eba\u5beb\u9053\u3002\u6839\u64da\u666e\u83ef\u6c38\u9053\u7684\u7814\u7a76\uff0c\u672a\u4f86\u4e00\u5e74\u7684\u4fdd\u96aa\u4f75\u8cfc\u53ef\u80fd\u6703\u6d89\u53ca\u7d93\u7d00\u516c\u53f8\u548c\u4fdd\u96aa\u516c\u53f8\uff0c\u4ee5\u5c0b\u6c42\u5728\u6301\u7e8c\u7684\u5927\u6d41\u884c\u548c\u5176\u4ed6\u6311\u6230\u4e2d\u627e\u5230\u65b0\u7684\u7acb\u8db3\u9ede\u3002 <\/p>\n\n

\"證券交易所市場概念\"<\/figure>\n\n

\u6578\u5b57\u5316\u8f49\u578b<\/h2>\n\n

Sweeney \u548c Purowitz \u5beb\u9053\uff0c\u5fb7\u52e4\u7684\u7814\u7a76\u9084\u767c\u73fe\uff0c79% \u7684\u4fdd\u96aa\u516c\u53f8\u5728\u75ab\u60c5\u671f\u9593\u767c\u73fe\u4e86\u5176\u7d44\u7e54\u6578\u4f4d\u5316\u65b9\u6cd5\u7684\u4e0d\u8db3\uff0c95% \u7684\u4fdd\u96aa\u516c\u53f8\u81f4\u529b\u65bc\u5728\u672a\u4f86\u5e7e\u5e74\u52a0\u901f\u6578\u5b57\u5316\u8f49\u578b\u3002\u4e0d\u51fa\u6240\u6599\uff0c\u9019\u7a2e\u5c0d\u6578\u5b57\u5316\u8f49\u578b\u7684\u95dc\u6ce8\u4e5f\u5f71\u97ff\u4e86\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u7684\u4f75\u8cfc\u3002 <\/p>\n\n

\u201c\u50b3\u7d71\u4fdd\u96aa\u516c\u53f8\u5e0c\u671b\u5347\u7d1a\u5176\u6838\u5fc3\u7cfb\u7d71\u4e26\u91cb\u653e\u4eba\u5de5\u667a\u6167\u3001\u6578\u64da\u5206\u6790\u548c\u7269\u806f\u7db2 \uff08IoT\uff09 \u7b49\u8b8a\u9769\u6027\u6280\u8853\u7684\u5168\u90e8\u6f5b\u529b\uff0c\u4ed6\u5011\u8d8a\u4f86\u8d8a\u591a\u5730\u5c07\u4f75\u8cfc\u4f5c\u70ba\u5176\u5275\u65b0\u6230\u7565\u7684\u4e00\u90e8\u5206\uff0c\u201dSapiens \u9996\u5e2d\u6230\u7565\u5b98 Alex Zukerman<\/a> \u5beb\u9053\u3002<\/p>\n\n

\u6295\u8cc7\u65bc\u6578\u5b57\u5316\u8f49\u578b\uff0c\u5305\u62ec\u901a\u904e\u4f75\u8cfc\u6d3b\u52d5\uff0c\u6b63\u5728\u70ba\u4fdd\u96aa\u516c\u53f8\u5e36\u4f86\u56de\u5831\u3002\u5b89\u6c38\u7684\u6578\u64da\u986f\u793a\uff0c\u96d6\u7136\u5305\u62ec\u4fdd\u96aa\u516c\u53f8\u5728\u5167\u7684\u91d1\u878d\u6a5f\u69cb\u5728 2020 \u5e74\u53ea\u6709 25% \u7684\u6848\u4f8b\u4f7f\u7528\u4f75\u8cfc\u4f86\u5be6\u73fe\u6578\u4f4d\u5316\u8f49\u578b\u76ee\u6a19\uff0c\u4f46\u201c\u9019\u4e9b\u4ea4\u6613\u5728 52% \u7684\u6642\u9593\u91cc\u8d85\u51fa\u4e86\u6295\u8cc7\u56de\u5831\u7387\u9810\u671f\uff0c\u201d\u5b89\u6c38\u7684 Martin Spit<\/a> \u5beb\u9053\u3002\u4ee5\u4fc3\u9032\u516c\u53f8\u6578\u4f4d\u5316\u8f49\u578b\u70ba\u76ee\u6a19\u7684\u4f75\u8cfc\u5728\u672a\u4f86\u5e7e\u5e74\u53ef\u80fd\u6703\u589e\u52a0\uff0c\u56e0\u70ba\u4fdd\u96aa\u516c\u53f8\u5c0b\u6c42\u63a5\u53d7\u9019\u7a2e\u95dc\u4fc2\u627f\u8afe\u7684\u5de8\u5927\u6295\u8cc7\u56de\u5831\u3002 <\/p>\n\n

\u4fdd\u96aa\u79d1\u6280\u6a6b\u5411\u589e\u9577<\/h2>\n\n

\u6700\u5f8c\uff0c\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u521d\u5275\u4fdd\u96aa\u79d1\u6280\u516c\u53f8\u548c\u73fe\u6709\u4fdd\u96aa\u516c\u53f8\u5982\u4f55\u5728\u8d8a\u4f86\u8d8a\u591a\u7684\u5782\u76f4\u9818\u57df\u4e2d\u65e5\u76ca\u722d\u596a\u5e02\u5834\u4efd\u984d\u3002\u9019\u4e3b\u8981\u662f\u7531\u65bc\u50cf Lemonade \u9019\u6a23\u7684\u516c\u53f8\u7684\u6210\u719f\u548c\u5b8c\u5584\uff0c\u8a72\u516c\u53f8\u6210\u7acb\u6642\u53ea\u5c08\u6ce8\u65bc\u79df\u623f\u8005\u4fdd\u96aa\uff0c\u4f46 \u5f8c\u4f86\u64f4\u5c55\u5230<\/a> \u63d0\u4f9b\u623f\u4e3b\u4fdd\u96aa\u3001\u5bf5\u7269\u4fdd\u96aa\u548c\u4eba\u58fd\u4fdd\u96aa\u3002 <\/p>\n\n

\u5fc5\u9808\u5f9e\u9019\u500b\u89d2\u5ea6\u4f86\u770b\u5f85\u50b3\u7d71\u904b\u71df\u5546\u5167\u90e8\u767c\u751f\u7684\u6578\u5b57\u5316\u8f49\u578b\u3002\u4fdd\u96aa\u79d1\u6280\u516c\u53f8\u985b\u8986\u4e86\u8a72\u884c\u696d\uff0c\u4e26\u8fc5\u901f\u6539\u8b8a\u4e86\u5ba2\u6236\u7684\u671f\u671b\u3002\u53ef\u91dd\u5c0d\u6bcf\u4f4d\u5ba2\u6236\u91cf\u8eab\u5b9a\u88fd\u7684\u53ef\u8abf\u7bc0\u3001\u6578\u64da\u4f9d\u64da\u7684\u4fdd\u8cbb\uff1f\u4fdd\u96aa\u79d1\u6280\u516c\u53f8\u63a8\u52d5\u4e86\u9019\u4e9b\u5275\u65b0\uff0c\u4ed6\u5011\u6b63\u5728\u5c07\u9019\u4e9b\u6a21\u578b\u5e36\u5165\u65b0\u7684\u5782\u76f4\u9818\u57df\u2014\u2014\u5ba2\u6236\u71b1\u5207\u5730\u7b49\u5f85\u4ed6\u5011\u53ef\u7528\u7684\u4fdd\u96aa\u7684\u65b0\u9748\u6d3b\u6027\u3002 <\/p>\n\n

\u6c7d\u8eca\u4fdd\u96aa\u5ba2\u6236\u662f\u5426\u9858\u610f\u7528\u4ed6\u5011\u7684\u99d5\u99db\u6578\u64da\u63db\u53d6\u91cf\u8eab\u5b9a\u88fd\u7684\u3001\u66f4\u5be6\u60e0\u7684\u4fdd\u55ae\uff1f\u6240\u6709\u8de1\u8c61\u90fd\u8868\u660e\u662f\u7684\u3002\u73fe\u5728\uff0c\u904b\u71df\u5546\u9762\u81e8\u7684\u6311\u6230\u662f\u5229\u7528\u9019\u7a2e\u65b0\u8208\u5ba2\u6236\u884c\u70ba\u7684\u589e\u9577\u6f5b\u529b\u3002 <\/p>\n\n

\u4fdd\u96aa\u696d\u4ecd\u7136\u662f\u5168\u7403\u98a8\u96aa\u5c08\u5bb6\u884c\u696d\u3002\u7136\u800c\uff0c\u901a\u904e\u5408\u4f75\u3001\u6536\u8cfc\u548c\u5408\u4f5c\u5925\u4f34\u95dc\u4fc2\u5be6\u73fe\u6578\u4f4d\u5316\u8f49\u578b\u7684\u4fdd\u96aa\u516c\u53f8\u6703\u5e73\u8861\u81ea\u5df1\u7684\u98a8\u96aa\u5c08\u696d\u77e5\u8b58\u8207\u6280\u8853\u5408\u4f5c\u5925\u4f34\u7684\u6280\u80fd\u548c\u7d93\u9a57\u4ee5\u53ca\u5176\u4ed6\u4e92\u88dc\u8ffd\u6c42\u3002\u5176\u7d50\u679c\u662f\u4e00\u500b\u66f4\u5177\u5275\u65b0\u6027\u548c\u5f48\u6027\u7684\u4fdd\u96aa\u884c\u696d\u3002 <\/p>\n\n

\u5716\u7247\u4f86\u81ea\uff1a ammentorp\/\u00a9123RF.com\uff0c elleaon\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u4fdd\u96aa\u516c\u53f8\u5c08\u6ce8\u65bc\u98a8\u96aa\u9818\u57df\uff0c\u5e7e\u500b\u4e16\u7d00\u4ee5\u4f86\uff0c\u4ed6\u5011\u4e00\u76f4\u5c08\u6ce8\u65bc\u81ea\u5df1\u7684\u5c08\u696d\u9818\u57df\u3002 \u5982\u4eca\uff0c\u4fdd\u96aa\u516c\u53f8\u767c\u73fe\uff0c\u5728\u50b3\u7d71\u4fdd\u96aa\u696d\u4e4b\u5916\uff0c\u6700 […]<\/p>\n","protected":false},"featured_media":10843,"template":"","insight-category":[],"class_list":["post-22289","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight\/22289","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\/10843"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media?parent=22289"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight-category?post=22289"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}