{"id":34524,"date":"2025-02-13T22:54:31","date_gmt":"2025-02-13T14:54:31","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e5%89%b5%e6%96%b0%ef%bc%9a%e5%9c%a8%e8%89%b1%e9%9b%a3%e7%9a%84%e4%bf%9d%e9%9a%aa%e5%b8%82%e5%a0%b4%e4%b8%ad%e8%93%ac%e5%8b%83%e7%99%bc%e5%b1%95%e7%9a%84%e7%a7%98%e8%a8%a3\/"},"modified":"2025-04-14T19:24:09","modified_gmt":"2025-04-14T11:24:09","slug":"%e5%89%b5%e6%96%b0%ef%bc%9a%e5%9c%a8%e8%89%b1%e9%9b%a3%e7%9a%84%e4%bf%9d%e9%9a%aa%e5%b8%82%e5%a0%b4%e4%b8%ad%e8%93%ac%e5%8b%83%e7%99%bc%e5%b1%95%e7%9a%84%e7%a7%98%e8%a8%a3","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e5%89%b5%e6%96%b0%ef%bc%9a%e5%9c%a8%e8%89%b1%e9%9b%a3%e7%9a%84%e4%bf%9d%e9%9a%aa%e5%b8%82%e5%a0%b4%e4%b8%ad%e8%93%ac%e5%8b%83%e7%99%bc%e5%b1%95%e7%9a%84%e7%a7%98%e8%a8%a3\/","title":{"rendered":"\u5275\u65b0\uff1a\u5728\u8271\u96e3\u7684\u4fdd\u96aa\u5e02\u5834\u4e2d\u84ec\u52c3\u767c\u5c55\u7684\u79d8\u8a23"},"content":{"rendered":"\n<p>\u4fdd\u96aa\u5e02\u5834\u5c0d\u5ba2\u6236\u548c\u4fdd\u96aa\u516c\u53f8\u4f86\u8aaa\u90fd\u8b8a\u5f97\u8d8a\u4f86\u8d8a\u5177\u6709\u6311\u6230\u6027\u3002\u4e0d\u65b7\u4e0a\u6f32\u7684\u4fdd\u8cbb\u3001\u4e0d\u65b7\u840e\u7e2e\u7684\u627f\u904b\u5546\u904b\u529b\u4ee5\u53ca\u4e0d\u65b7\u8b8a\u5316\u7684\u76e3\u7ba1\u8981\u6c42\uff0c\u8b93\u8a31\u591a\u4eba\u5c0d\u5e02\u5834\u96d9\u65b9\u90fd\u611f\u5230\u4e0d\u78ba\u5b9a\u3002\u5e78\u904b\u7684\u662f\uff0c\u904b\u71df\u5546\u5df2\u7d93\u64c1\u6709\u4e00\u500b\u53ef\u4ee5\u7528\u4f86\u53d6\u5f97\u6210\u529f\u7684\u79d8\u5bc6\u6b66\u5668 &#8211; \u5275\u65b0\u3002\u96a8\u8457\u6211\u5011\u5c0d\u4fdd\u96aa\u516c\u53f8\u6230\u7565\u7684\u770b\u6cd5\u767c\u751f\u4e86\u8f49\u8b8a\uff0c\u5de7\u5999\u5730\u5229\u7528\u4e86\u4e0d\u65b7\u767c\u5c55\u7684\u6280\u8853\uff0c\u4f75\u767c\u63ee\u4e86\u4eba\u985e\u7684\u8070\u660e\u624d\u667a\uff0c\u4fdd\u96aa\u5e02\u5834\u5275\u65b0\u65e2\u662f\u53ef\u80fd\u7684\uff0c\u4e5f\u662f\u5fc5\u8981\u7684\u3002\u73fe\u5728\u662f\u70ba\u66f4\u597d\u7684\u5e02\u5834\u672a\u4f86\u505a\u597d\u6e96\u5099\u7684\u6642\u5019\u4e86\u3002    <\/p>\n\n<h2 class=\"wp-block-heading\">\u786c\u4fdd\u96aa\u5e02\u5834\u662f\u4ec0\u9ebc\u610f\u601d\uff1f<\/h2>\n\n<p>\u4fdd\u96aa\u5e02\u5834\u975e\u5e38\u50b3\u7d71\uff0c\u4e26\u4e14\u6709\u5176\u56fa\u5b9a\u7684\u65b9\u5f0f\u3002\u7562\u7adf\uff0c\u98a8\u96aa\u5f88\u5c11\u6703\u6e1b\u8f15\uff0c\u7121\u8ad6\u767c\u751f\u4ec0\u9ebc\uff0c\u4eba\u5011\u90fd\u9700\u8981\u4fdd\u8b77\u7684\u4fdd\u8b49\u3002 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<\/p>\n\n<p>\u73fe\u5728\uff0c\u8b93\u6211\u5011\u770b\u770b\u4e00\u4e9b\u53ef\u884c\u7684\u7b56\u7565\uff0c\u5b83\u5011\u5c07\u8aac\u660e\u60a8\u5728\u8271\u96e3\u7684\u4fdd\u96aa\u5e02\u5834\u4e2d\u8301\u58ef\u6210\u9577\u3002<\/p>\n\n<h4 class=\"wp-block-heading\">\u89e3\u6c7a\u65b9\u6848 1\uff1a\u5229\u7528\u76c8\u9918\u751f\u7522\u7dda\u89e3\u6c7a\u7522\u80fd\u9650\u5236<\/h4>\n\n<p>\u4fdd\u96aa\u516c\u53f8\u7684\u76c8\u9918\u4fdd\u96aa\u6709\u5f88\u591a\u597d\u8655\u3002\u76c8\u9918\u96aa\u7a2e\u4fdd\u96aa\u70ba\u96e3\u4ee5\u7f6e\u4fe1\u7684\u98a8\u96aa\u63d0\u4f9b\u9748\u6d3b\u7684\u4fdd\u96aa\u9078\u9805\u548c\u5275\u9020\u6027\u7684\u89e3\u6c7a\u65b9\u6848\uff0c\u63d0\u4f9b\uff1a <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u66f4\u5927\u7684\u627f\u4fdd\u9748\u6d3b\u6027 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<\/p>\n\n<p>\u8d85\u984d\u4fdd\u96aa\u662f\u4e00\u7a2e\u6709\u50f9\u503c\u7684\u65b9\u5f0f\uff1a<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u5728\u5177\u6709\u6311\u6230\u6027\u7684\u884c\u696d\u4e2d\u4fdd\u6301\u5e02\u5834\u4f54\u6709\u7387<\/li>\n\n\n\n<li>\u6e2c\u8a66\u65b0\u7522\u54c1\u6216\u8986\u84cb\u7387\u65b9\u6cd5<\/li>\n\n\n\n<li>\u6db5\u84cb\u8d85\u51fa\u6a19\u6e96\u5e02\u5834\u7bc4\u570d\u7684\u4e0d\u5c0b\u5e38\u98a8\u96aa<\/li>\n\n\n\n<li>\u5728\u5229\u57fa\u5e02\u5834\u4e2d\u767c\u5c55\u5c08\u696d\u77e5\u8b58<\/li>\n<\/ul>\n\n<p>\u7c21\u800c\u8a00\u4e4b\uff0c\u76c8\u9918\u96aa\u7a2e\u4fdd\u96aa\u5141\u8a31\u4fdd\u96aa\u516c\u53f8\u5728\u5e02\u5834\u8271\u96e3\u7684\u60c5\u6cc1\u4e0b\u63d0\u4f9b\u4fdd\u96aa\u5e02\u5834\u5275\u65b0\u3002<\/p>\n\n<h4 class=\"wp-block-heading\">\u89e3\u6c7a\u65b9\u6848 2\uff1a\u901a\u904e\u6280\u8853\u63d0\u9ad8\u6548\u7387<\/h4>\n\n<p>\u4fdd\u96aa\u904b\u71df\u7684\u6548\u7387\u81f3\u95dc\u91cd\u8981\uff0c\u4e26\u4e14\u61c9\u8a72\u662f\u4fdd\u96aa\u516c\u53f8\u7684\u95dc\u9375\u7b56\u7565\u3002 <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/insurance-2030-the-impact-of-ai-on-the-future-of-insurance\" target=\"_blank\" rel=\"noopener\">\u4fdd\u96aa\u696d\u4e2d\u7684 AI<\/a> \u548c\u4e0d\u65b7\u767c\u5c55\u7684\u6578\u4f4d\u4fdd\u96aa\u516c\u53f8\u5de5\u5177\u662f\u6e1b\u8f15\u4fdd\u96aa\u516c\u53f8\u58d3\u529b\u548c\u61c9\u5c0d\u4fdd\u96aa\u80fd\u529b\u6311\u6230\u540c\u6642\u4fdd\u6301\u4f4e\u6210\u672c\u7684\u7d55\u4f73\u65b9\u5f0f\u3002\u4fdd\u96aa\u696d\u7684 AI \u5177\u6709\u8a31\u591a\u512a\u52e2\uff0c\u4f8b\u5982\uff1a <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>\u7c21\u5316\u627f\u4fdd<\/strong>\uff1a\u5f9e\u6e1b\u5c11\u7ba1\u7406\u54e1\u8ca0\u64d4\u5230\u57fa\u65bc\u6578\u64da\u5206\u6790\u7684\u81ea\u52d5\u98a8\u96aa\u8a55\u4f30\uff0c\u4fdd\u96aa\u696d\u7684 AI \u53ef\u4ee5\u63d0\u4f9b\u5f88\u591a\u6771\u897f\u3002\u6dfb\u52a0\u5373\u6642\u4fdd\u55ae\u5831\u50f9\uff0c\u4ee5\u7372\u5f97\u975e\u8907\u96dc\u7684\u4fdd\u96aa\u548c\u57fa\u65bc\u5e02\u5834\u72c0\u6cc1\u7684\u5be6\u6642\u5b9a\u50f9\uff0c\u4ee5\u9032\u4e00\u6b65\u63d0\u9ad8\u6548\u7387\u3002 <\/li>\n\n\n\n<li><strong>\u589e\u5f37\u7684\u7d22\u8ce0\u7ba1\u7406\uff1a<\/strong> \u4fdd\u96aa\u696d\u4e2d\u7684 AI \u9084\u652f\u63f4\u81ea\u52d5\u6b3a\u8a50\u6aa2\u6e2c\u3001\u7d22\u8ce0\u56b4\u91cd\u6027\u7684\u9810\u6e2c\u5206\u6790\u4ee5\u53ca\u66f4\u597d\u7684\u300c\u5206\u985e\u300d\u548c\u8def\u7531\uff0c\u5f9e\u800c\u66f4\u5feb\u5730\u89e3\u6c7a\u7d22\u8ce0\u3002<\/li>\n\n\n\n<li><strong>\u6578\u5b57\u512a\u52e2<\/strong>\uff1a \u5373\u6642\u901a\u4fe1\u5de5\u5177\u3001\u81ea\u52d5\u5316\u4fdd\u55ae\u7ba1\u7406\u3001\u6578\u4f4d\u6587\u6a94\u8655\u7406\u548c\u5ba2\u6236\u81ea\u52a9\u670d\u52d9\u90fd\u63d0\u9ad8\u4e86\u4fdd\u96aa\u904b\u71df\u7684\u6548\u7387\u3002<\/li>\n<\/ul>\n\n<p>\u9019\u4e9b\u6280\u8853\u6539\u9032\u5e6b\u52a9\u904b\u71df\u5546\u5728\u8271\u96e3\u7684\u5e02\u5834\u689d\u4ef6\u4e0b\u4fdd\u6301\u76c8\u5229\u80fd\u529b\uff0c\u540c\u6642\u4ecd\u80fd\u70ba\u5ba2\u6236\u63d0\u4f9b\u66f4\u597d\u7684\u670d\u52d9\u3002\u95dc\u9375\u5728\u65bc\u9078\u64c7\u5408\u9069\u7684\u5de5\u5177\u548c\u5408\u4f5c\u5925\u4f34\u3002 <\/p>\n\n<h4 class=\"wp-block-heading\">\u89e3\u6c7a\u65b9\u68483\uff1a\u63a1\u7528\u6578\u4f4d\u5206\u92b7<\/h4>\n\n<p>\u70ba\u4fdd\u96aa\u516c\u53f8\u4f7f\u7528\u6578\u4f4d\u4fdd\u96aa\u5206\u92b7\u548c\u6578\u5b57\u5e73\u81fa\uff0c\u4f7f\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u5728\u8271\u96e3\u7684\u4fdd\u96aa\u5e02\u5834\u4e2d\u84ec\u52c3\u767c\u5c55\u3002\u5145\u5206\u5229\u7528\u6578\u4f4d\u6642\u4ee3\u4e0d\u50c5\u50c5\u662f\u5728\u4fdd\u96aa\u4e2d\u4f7f\u7528 AI\u3002\u6709\u8a31\u591a\u65b0\u7684\u4fdd\u96aa\u516c\u53f8\u5de5\u5177\u53ef\u4ee5\u9032\u4e00\u6b65\u7c21\u5316\u548c\u6539\u5584\u5ba2\u6236\u8207\u4fdd\u96aa\u516c\u53f8\u7684\u95dc\u4fc2\u3002  <\/p>\n\n<p>\u6210\u529f\u7684\u6578\u4f4d\u5206\u92b7\u5e73\u81fa\uff0c\u5982 Bolt \u81ea\u5df1\u7684\u5e73\u81fa\uff0c\u662f\u4fdd\u96aa\u516c\u53f8\u8207\u5176\u76ee\u6a19\u5e02\u5834\u4e4b\u9593\u7684\u91cd\u8981\u4ef2\u4ecb\u3002\u5b83\u5011\u901a\u5e38\u662f\u81ea\u52d5\u5316\u548c API \u9a45\u52d5\u7684\uff0c\u5141\u8a31\u71df\u904b\u5546\u901a\u904e\u4e00\u7ad9\u5f0f\u9580\u6236\u76f4\u63a5\u8207\u4ee3\u7406\u4eba\u3001\u7d93\u7d00\u4eba\u548c\u5d4c\u5165\u5f0f\u4fdd\u96aa\u5408\u4f5c\u5925\u4f34\u806f\u7e6b\u3002\u6578\u5b57\u4fdd\u96aa\u5206\u92b7\u5e02\u5834\u9810\u8a08\u5c07\u4ee5 <a href=\"https:\/\/www.verifiedmarketresearch.com\/product\/digital-insurance-platform-market\/\" target=\"_blank\" rel=\"noopener\">11.24%\u7684\u8907\u5408\u5e74\u589e\u9577\u7387<\/a>\u589e\u9577\uff0c\u52302031\u5e74\u5c07\u9054\u52303015.1\u5104\u7f8e\u5143\u3002    <\/p>\n\n<p>\u6578\u5b57\u4fdd\u96aa\u5206\u92b7\u5177\u6709\u591a\u7a2e\u512a\u52e2\uff0c\u5305\u62ec\u6539\u8b8a\u4fdd\u96aa\u516c\u53f8\u548c\u5ba2\u6236\u7684\u4e92\u52d5\u65b9\u5f0f\u4ee5\u53ca\u5927\u5927\u64f4\u5927\u6f5b\u5728\u7684\u5e02\u5834\u7bc4\u570d\u3002\u4f8b\u5982\uff0c\u4e00\u5bb6 Bolt \u5408\u4f5c\u5925\u4f34\u901a\u904e\u63a1\u7528\u6578\u4f4d\u6280\u8853\u5927\u5927 <a href=\"https:\/\/bolttech.io\/fr\/case-studies\/etude-de-cas-courtier-en-assurance-des-particuliers\/\">\u63d0\u9ad8\u4e86\u5ba2\u6236\u8a55\u7d1a<\/a> \u3002 <\/p>\n\n<p>\u6578\u5b57\u4fdd\u96aa\u5206\u92b7\u9084\u6e1b\u5c11\u4e86\u5197\u9918\u3001\u91cd\u8907\u7684\u6578\u64da\u8f38\u5165\u548c\u7ba1\u7406\u4efb\u52d9\uff0c\u5f9e\u800c\u63d0\u9ad8\u4e86\u904b\u71df\u6210\u672c\u4e26\u6539\u5584\u4e86\u5ba2\u6236\u670d\u52d9\u3002\u7406\u8ce0\u8655\u7406\u6642\u9593\u53ef\u4ee5\u6e1b\u5c11 <a href=\"https:\/\/digitalcommons.kennesaw.edu\/cgi\/viewcontent.cgi?article=1822&amp;context=ajis\" target=\"_blank\" rel=\"noopener\">%-50%<\/a> \u5e74\uff0c\u64da\u4f30\u8a08\uff0c\u5728 2018 \u5e74\u70ba\u6574\u500b\u884c\u696d\u7bc0\u7701\u4e86 120 \u5104\u7f8e\u5143\u2014\u2014\u5728\u4fdd\u96aa\u696d\u7684 AI \u51fa\u73fe\u4e26\u9032\u4e00\u6b65\u7522\u751f\u8d85\u51fa\u9810\u7b97\u7684\u5f71\u97ff\u4e4b\u524d\u3002  <\/p>\n\n<p>\u6700\u5f8c\uff0c\u4fdd\u96aa\u516c\u53f8\u7684\u6578\u4f4d\u5e73\u81fa\u53ef\u4ee5\u63d0\u9ad8\u4fdd\u96aa\u904b\u71df\u6548\u7387\u7684 <a href=\"https:\/\/www.researchgate.net\/publication\/321636110_The_Impact_of_Digitalization_on_the_Insurance_Value_Chain_and_the_Insurability_of_Risks\" target=\"_blank\" rel=\"noopener\">\u81ea\u52d5\u5316\u548c\u6a19\u6e96\u5316<\/a> \uff0c\u4f75\u70ba\u958b\u767c\u65b0\u7522\u54c1\u548c\u6539\u9032\u73fe\u6709\u7522\u54c1\u5275\u9020\u6a5f\u6703\u3002\u5be6\u6642\u5831\u50f9\u529f\u80fd\u5141\u8a31\u4fdd\u96aa\u516c\u53f8\u6839\u64da\u5e02\u5834\u72c0\u6cc1\u548c\u98a8\u96aa\u56e0\u7d20\u52d5\u614b\u8abf\u6574\u8cbb\u7387\uff0c\u800c\u81ea\u52d5\u627f\u4fdd\u898f\u5247\u78ba\u4fdd\u6240\u6709\u6e20\u9053\u7684\u98a8\u96aa\u8a55\u4f30\u4e00\u81f4\u3002 <\/p>\n\n<p>\u7576\u4e00\u5bb6\u9818\u5148\u7684\u4fdd\u96aa\u516c\u53f8\u8207 Bolt \u7684 <a href=\"https:\/\/bolttech.io\/fr\/case-studies\/etude-de-cas-dun-assureur-de-premier-plan\/\">\u4fdd\u96aa\u516c\u53f8\u6578\u5b57\u5e73\u81fa<\/a>\u5408\u4f5c\u6642\uff0c\u4ed6\u5011\u7684\u4ee3\u7406\u7db2\u8def\u986f\u8457\u589e\u9577\uff0c\u589e\u52a0\u4e86 40 \u5104\u7f8e\u5143\u7684\u65b0\u4fdd\u8cbb\uff0c\u4e26\u4e14\u80fd\u5920\u8655\u7406\u8d85\u904e 20000 \u500b\u6bcf\u65e5\u5831\u50f9\uff0c\u5927\u5927\u63d0\u9ad8\u4e86\u53ef\u64f4\u5145\u6027\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u5728\u8271\u96e3\u7684\u4fdd\u96aa\u5e02\u5834\u4e2d\u84ec\u52c3\u767c\u5c55\uff1a\u95dc\u9375\u8981\u9ede<\/h2>\n\n<p>\u7576\u524d\u7684\u7d93\u6fdf\u74b0\u5883\u4e26\u4e0d\u5bb9\u6613\uff0c\u4f46\u53ea\u8981\u4fdd\u96aa\u516c\u53f8\u63a1\u53d6\u6b63\u78ba\u7684\u6230\u7565\uff0c\u8271\u96e3\u7684\u4fdd\u96aa\u5e02\u5834\u5c31\u4e0d\u5fc5\u6210\u70ba\u589e\u9577\u548c\u76c8\u5229\u7684\u969c\u7919\u3002\u7136\u800c\uff0c\u4fdd\u96aa\u5e02\u5834\u5275\u65b0\u81f3\u95dc\u91cd\u8981\u3002\u5982\u679c\u60a8\u5e0c\u671b\u4f5c\u70ba\u4fdd\u96aa\u516c\u53f8\u5728\u9019\u500b\u8271\u96e3\u7684\u4fdd\u96aa\u5e02\u5834\u4e2d\u84ec\u52c3\u767c\u5c55\uff0c\u8acb\u78ba\u4fdd\u60a8\uff1a  <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u8a55\u4f30\u60a8\u7576\u524d\u7684\u904b\u529b\u4e26\u63a2\u7d22\u76c8\u9918\u751f\u7522\u7dda\u5408\u4f5c\u5925\u4f34\u95dc\u4fc2\u3002<\/li>\n\n\n\n<li>\u6295\u8cc7 AI \u548c\u81ea\u52d5\u5316\u5de5\u5177\u4ee5\u63d0\u9ad8\u904b\u71df\u6548\u7387\u3002<\/li>\n\n\n\n<li>\u63a1\u7528\u6578\u4f4d\u512a\u5148\u6230\u7565\u4f86\u6eff\u8db3\u73fe\u4ee3\u6d88\u8cbb\u8005\u7684\u671f\u671b\u3002<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">\u6eff\u61f7\u4fe1\u5fc3\u5730\u99d5\u99ad\u786c\u4fdd\u96aa\u5e02\u5834 &#8211; \u8207 bolt \u5408\u4f5c<\/h2>\n\n<p>\u627f\u904b\u5546\u5fc5\u9808\u8fc5\u901f\u9069\u61c9\u4e0d\u65b7\u8b8a\u5316\u7684\u5e02\u5834\u689d\u4ef6\u3002Bolt \u70ba\u60a8\u63d0\u4f9b\u53ef\u64f4\u5c55\u7684\u6280\u8853\u9a45\u52d5\u578b\u5e73\u81fa\uff0c\u4ee5\u52a0\u901f\u589e\u9577\u3001\u64f4\u5c55\u5206\u92b7\u7ba1\u9053\u4e26\u512a\u5316\u904b\u71df\u6548\u7387\u3002\u7121\u8ad6\u60a8\u662f\u9700\u8981\u904e\u5269\u7684\u4fdd\u96aa\u696d\u52d9\u5bb9\u91cf\u3001\u7121\u7e2b\u6578\u4f4d\u5206\u92b7\uff0c\u9084\u662f\u6578\u64da\u9a45\u52d5\u7684\u6d1e\u5bdf\u529b\u4ee5\u5be6\u73fe\u66f4\u667a\u6167\u7684\u627f\u4fdd\uff0cBolt 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