{"id":87962,"date":"2021-04-27T08:31:02","date_gmt":"2021-04-27T08:31:02","guid":{"rendered":"https:\/\/www.alj.com\/?post_type=perspective&#038;p=87962"},"modified":"2022-01-14T11:47:35","modified_gmt":"2022-01-14T11:47:35","slug":"%e4%b8%ba%e6%9c%aa%e6%9d%a5%e6%8a%95%e8%b4%ad%e4%bf%9d%e9%99%a9","status":"publish","type":"perspective","link":"https:\/\/alj.com\/zh-hans\/perspective\/%e4%b8%ba%e6%9c%aa%e6%9d%a5%e6%8a%95%e8%b4%ad%e4%bf%9d%e9%99%a9\/","title":{"rendered":"\u4e3a\u672a\u6765\u6295\u8d2d\u4fdd\u9669"},"content":{"rendered":"<h4>\u4fdd\u9669\u79d1\u6280\u6216\u79f0\u4e3a\u201cInsurTech\u201d\u5df2\u7ecf\u6539\u53d8\u4e86\u5168\u7403\u4fdd\u9669\u884c\u4e1a\u3002\u4fdd\u9669\u79d1\u6280\u4ecd\u5728\u53d1\u5c55\uff0c2020 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5G 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API \u4f7f\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u5c06\u6d88\u8d39\u8005\u4e0e\u4fdd\u9669\u94fe\u7684\u6bcf\u4e2a\u73af\u8282\uff08\u5982\u6570\u5b57\u4e2d\u67a2\u795e\u7ecf\u7cfb\u7edf\uff09\u8054\u7cfb\u8d77\u6765\u30025G \u4e3a\u4f9b\u5e94\u5546\u548c\u6d88\u8d39\u8005\u4e4b\u95f4\u65b0\u7684\u4ea4\u4e92\u6a21\u5f0f\u63d0\u4f9b\u4e86\u57fa\u7840\u67b6\u6784\u3002<\/p>\n<p>\u7b80\u8a00\u4e4b\uff0c\u66f4\u667a\u80fd\u3001\u66f4\u4e2a\u6027\u5316\u7684\u6570\u636e\u4f7f\u7528\u4ee5\u53ca\u6765\u81ea\u591a\u4e2a\u8bbe\u5907\u548c\u6765\u6e90\u7684\u4e0d\u65ad\u589e\u957f\u7684\u6570\u636e\u6d41\u8ba9\u4fdd\u9669\u79d1\u6280\u80fd\u591f\u5f7b\u5e95\u6539\u53d8\u4fdd\u9669\u884c\u4e1a\u3002\u7531\u4e8e\u6ca1\u6709\u4f20\u7edf\u7684\u4ea7\u54c1\u3001\u6d41\u7a0b\u6216 IT \u7cfb\u7edf\u53ef\u4ee5\u7ea6\u675f\uff0c\u56e0\u6b64\u4ed6\u4eec\u80fd\u591f\u4ece\u5934\u5f00\u59cb\u8bbe\u8ba1\u65b0\u7684\u6570\u5b57\u6d41\u7a0b\u3001\u4ea7\u54c1\u548c\u7cfb\u7edf\u3002\u4ed6\u4eec\u53ef\u4ee5\u5229\u7528\u6700\u65b0\u7684\u6280\u672f\u6765\u7784\u51c6\u7279\u5b9a\u7684\u7ec6\u5206\u5e02\u573a\uff0c\u800c\u4e0d\u662f\u8bd5\u56fe\u63d0\u4f9b\u7aef\u5230\u7aef\u89e3\u51b3\u65b9\u6848\uff0c\u4ece\u800c\u5229\u7528\u4ed6\u4eec\u7684\u6570\u5b57\u5316\u4e13\u4e1a\u77e5\u8bc6\uff0c\u901a\u8fc7\u5229\u7528\u4ee5\u4e0b\u7279\u6027\u4f7f\u4ef7\u503c\u6700\u5927\u5316\uff1a<\/p>\n<ul>\n<li><strong>\u8fde\u63a5\u6027\u589e\u5f3a\uff1a<\/strong>\u4f7f\u7528\u4eba\u5de5\u667a\u80fd\u548c\u673a\u5668\u4eba\u901a\u8fc7\u5177\u6709\u6570\u5b57\u9500\u552e\u529f\u80fd\u7684\u6570\u5b57\u5ba2\u6237\u754c\u9762\u63d0\u4f9b\u673a\u5668\u4eba\u54a8\u8be2\u3002<\/li>\n<li><strong>\u6709\u9488\u5bf9\u6027\u7684\u4ea7\u54c1\u6982\u5ff5\uff1a<\/strong>\u6839\u636e\u4f7f\u7528\u60c5\u51b5\u6216\u589e\u503c\u670d\u52a1\u63d0\u4f9b\u4e2a\u6027\u5316\u7684\u201c\u5c0f\u7968\u201d\u4ea7\u54c1\u3002<\/li>\n<li><strong>\u5b8c\u5168\u81ea\u52a8\u5316\uff1a<\/strong>\u901a\u8fc7\u8fd0\u7528\u5b8c\u5168\u81ea\u52a8\u5316\u7684\u65b9\u6cd5\uff0c\u4fdd\u9669\u79d1\u6280\u53ef\u4ee5\u964d\u4f4e\u6210\u672c\u5e76\u52a0\u5feb\u6d41\u7a0b\uff0c\u4ee5\u6ee1\u8db3\u5ba2\u6237\u7684\u671f\u671b\u3002<\/li>\n<li><strong>\u6570\u636e\u9a71\u52a8\u7684\u51b3\u7b56\u548c\u89c1\u89e3\uff1a<\/strong>\u901a\u8fc7\u8bbf\u95ee\u5404\u79cd\u6570\u636e\u6e90\uff08\u5305\u62ec\u901a\u8fc7\u5df2\u5b89\u88c5\u7684\u8bbe\u65bd\u548c\u667a\u80fd\u624b\u673a\u5e94\u7528\u7a0b\u5e8f\u7684\u8fdc\u7a0b\u4fe1\u606f\u5904\u7406\uff09\uff0c\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u6b63\u8fd0\u7528\u673a\u5668\u5b66\u4e60\u6280\u672f\u63d0\u4f9b\u521b\u65b0\u7684\u3001\u4e2a\u6027\u5316\u7684\u4ea7\u54c1\u548c\u670d\u52a1\u3002<\/li>\n<\/ul>\n<blockquote>\n<p><em>\u201c<\/em><em>\u4fdd\u9669\u79d1\u6280\u8fd0\u7528\u65e0\u98ce\u9669\u627f\u4fdd\u3001\u73b0\u573a\u8d2d\u4e70\u548c<\/em><em> AI \u9a71\u52a8\u7684\u7406\u8d54\u5904\u7406\u7b49\u521b\u65b0\uff0c\u91cd\u65b0\u5b9a\u4e49\u5ba2\u6237\u4f53\u9a8c\uff0c\u8ba9\u5ba2\u6237\u65c5\u7a0b\u66f4\u5feb\u3001\u66f4\u8f7b\u677e\u3001\u66f4\u9ad8\u6548\u3002\u201d<\/em><\/p>\n<p><em>\u201c\u800c\u5728\u6c7d\u8f66\u9886\u57df\uff0c\u539f\u59cb\u8bbe\u5907\u5236\u9020\u5546\u6b63\u5728\u7ed3\u6210\u65b0\u7684\u4f19\u4f34\u5173\u7cfb\uff0c\u5171\u540c\u5f00\u53d1\u8f66\u5185\u652f\u4ed8\u7cfb\u7edf\uff0c\u4ee5\u4fbf\u9a7e\u9a76\u5458\u76f4\u63a5\u5728\u8f66\u4e0a\u652f\u4ed8\u71c3\u6599\u3001\u96f6\u98df\u751a\u81f3\u9152\u5e97\u9884\u8ba2\u7b49\u8d39\u7528\uff0c\u201d<\/em>\u5b89\u5229\u6377\u91d1\u878d\u516c\u53f8\u9996\u5e2d\u91d1\u878d\u670d\u52a1\u5b98 <a href=\"https:\/\/alj.com\/zh-hans\/financial-services\/\">Nil\u00fcfer G\u00fcnhan<\/a>\u8bf4\u9053\u3002<\/p>\n<\/blockquote>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-87939\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/04\/ALJ-Insurance-Tech-Infographics-Health.jpg\" alt=\"\" width=\"2560\" height=\"1896\" \/><\/p>\n<h2>\u6539\u8fdb\u4e0e\u98a0\u8986<\/h2>\n<p>\u4fdd\u9669\u79d1\u6280\u6709\u4e24\u4e2a\u4e3b\u8981\u65b9\u9762\uff1a\u6539\u8fdb\u4e0e\u98a0\u8986\u3002<\/p>\n<p>\u9996\u5148\u662f\u5173\u4e4e\u53ef\u4ee5\u6539\u8fdb\u3001\u52a0\u901f\u548c\u7b80\u5316\u73b0\u6709\u6d41\u7a0b\u7684\u6280\u672f\u3002\u8fd9\u53ef\u80fd\u6db5\u76d6\u4e86\u6240\u6709\u4fdd\u9669\u79d1\u6280\u7684 80%\u3002\u81ea\u4ece\u7845\u82af\u7247\u53d1\u660e\u4ee5\u6765\uff0c\u5168\u7403\u7684\u4fdd\u9669\u516c\u53f8\u4e00\u76f4\u5728\u9010\u6b65\u5e94\u7528\u6280\u672f\u3002\u5728\u56f4\u7ed5\u6587\u4ef6\u548c\u884c\u653f\u4e8b\u52a1\u7684\u884c\u4e1a\u4e2d\uff0c\u8bb8\u591a\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u90fd\u5173\u6ce8\u4ee5\u4f4e\u4e8e\u73b0\u6709\u7cfb\u7edf\u7684\u6210\u672c\u89e3\u51b3\u4fdd\u9669\u516c\u53f8\u3001\u7ecf\u7eaa\u4eba\u548c\u627f\u4fdd\u4eba\u9762\u4e34\u7684\u65e5\u5e38\u95ee\u9898\u3002<\/p>\n<p>\u54a8\u8be2\u516c\u53f8 Accenture \u5728\u5176 2019 \u5e74\u7684\u62a5\u544a\u300a\u4fdd\u9669\u79d1\u6280\u7684\u5174\u8d77\u300b(<em>The Rise of Insurtech<\/em>) \u4e2d\uff0c\u5bf9<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a>\u7ea6 450 \u5bb6\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u8fdb\u884c\u4e86\u8c03\u67e5\uff0c\u65e8\u5728\u6df1\u5165\u4e86\u89e3\u8be5\u884c\u4e1a\u3002\u51fa\u73b0\u7684\u4e00\u4e2a\u91cd\u8981\u60c5\u51b5\u662f\uff0c\u8bb8\u591a\u4fdd\u9669\u516c\u53f8\u4ecd\u7136\u4f9d\u8d56\u57fa\u672c\u4e0a\u5c06\u6570\u636e\u5b58\u50a8\u5728\u201c\u56f4\u5899\u5f0f\u201d\u7b52\u4ed3\u4e2d\u7684\u4f20\u7edf IT \u7cfb\u7edf\u3002\u53ef\u4ee5\u8bf4\uff0c\u6539\u5584\u4fdd\u9669\u7ba1\u7406\u5404\u4e2a\u65b9\u9762\u7684\u6700\u5927\u8fdb\u6b65\u662f\u91c7\u7528\u201c\u6570\u636e\u751f\u6001\u7cfb\u7edf\u201d\uff0c\u800c\u4e0d\u662f\u5b64\u7acb\u7684\u4f20\u7edf\u7cfb\u7edf\u3002<\/p>\n<p>\u6b63\u5982 Accenture \u62a5\u544a\u6240\u8ff0\uff0c\u201c\u5206\u6563\u7684\u3001\u8fc7\u65f6\u7684\u6280\u672f\u88ab\u4f20\u7edf\u7684\u516c\u53f8\u548c IT \u6cbb\u7406\u7ed3\u6784\u6240\u5305\u56f4\uff0c\u53ef\u80fd\u5f88\u96be\u88ab\u6253\u7834\u3002\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u5e94\u8003\u8651\u4e0e\u5176\u4ed6\u79d1\u6280\u516c\u53f8\u5408\u4f5c\uff0c\u521b\u5efa\u57fa\u4e8e\u751f\u6001\u7cfb\u7edf\u7684\u6570\u5b57\u4ea7\u54c1\u548c\u670d\u52a1\u3002\u201d<\/p>\n<p>\u4fdd\u9669\u516c\u53f8\u548c\u7ecf\u7eaa\u4eba\u53ea\u9700\u6d88\u9664\u6570\u636e\u8bb0\u5f55\u4e4b\u95f4\u7684\u865a\u62df\u58c1\u5792\u4fbf\u53ef\u4e0e\u7b2c\u4e09\u65b9\u516c\u53f8\u5408\u4f5c\uff0c\u4f8b\u5982\u6cd5\u5f8b\u8d39\u7528\u6216\u6c7d\u8f66\u56de\u6536\u516c\u53f8\uff0c\u901f\u5ea6\u66f4\u5feb\uff0c\u8fd8\u80fd\u6539\u8fdb\u4ed6\u4eec\u81ea\u5df1\u7684\u5185\u90e8\u7ba1\u7406\u6d41\u7a0b\u3002<\/p>\n<p>\u4fdd\u9669\u884c\u4e1a\u6709\u6570\u767e\u5bb6\u516c\u53f8\u5173\u6ce8\u4fc3\u8fdb\u5404\u79cd\u7c7b\u578b\u7684\u884c\u653f\u804c\u80fd\uff0c\u5305\u62ec Amazon Web Services\u3001Oracle\u3001DXC Technology\u3001Accenture\u3001CapGemini \u7b49\u4e3b\u8981\u4f01\u4e1a\u3002<\/p>\n<p>\u53cd\u8fc7\u6765\uff0c\u5927\u578b\u4f01\u4e1a\u4e5f\u4e0e\u4e2d\u578b SaaS\uff08\u8f6f\u4ef6\u5373\u670d\u52a1\uff09\u4e13\u4e1a\u516c\u53f8\u5408\u4f5c\uff0c\u5982 Pegasystems\u3001Duck Creek\u3001Guidewire Software\u3001OutSystems \u7b49\u3002\u8fd9\u521b\u9020\u4e86\u4e00\u4e2a\u7531\u77e5\u8bc6\u548c\u8d44\u6e90\u7ec4\u6210\u7684\u751f\u6001\u7cfb\u7edf\uff0c\u4fdd\u9669\u516c\u53f8\u548c\u4ee3\u7406\u53ef\u4ee5\u8bbf\u95ee\u8be5\u7cfb\u7edf\uff0c\u4ee5\u4fbf\u66f4\u597d\u5730\u7ba1\u7406\u4f20\u7edf\u7cfb\u7edf\u5411\u66f4\u7075\u6d3b\u3001\u5b9a\u5236\u7a0b\u5ea6\u66f4\u9ad8\u3001\u66f4\u4ee5\u5ba2\u6237\u4e3a\u672c\u7684\u65b9\u5411\u8f6c\u53d8\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u4e1a\u52a1\u94fe\u4e2d\u7684\u6bcf\u4e2a\u5408\u4f5c\u4f19\u4f34\u516c\u53f8\u90fd\u53ef\u4ee5\u9009\u62e9\u5728\u9700\u8981\u65f6\u8fdb\u5165\u6bcf\u4e2a\u6570\u636e\u6d41\uff0c\u800c\u4e0d\u662f\u5c06\u4fdd\u9669\u516c\u53f8\u6570\u636e\u5b58\u50a8\u5728\u50cf\u5178\u578b\u4f20\u7edf\u7cfb\u7edf\u4e00\u6837\u7684\u7b52\u4ed3\u4e2d\u3002\u5b83\u53ef\u80fd\u662f\u65e5\u672c\u6f5c\u5728\u5730\u9707\u707e\u96be\u635f\u5931\u7684\u7cbe\u7b97\u98ce\u9669\u8868\uff0c\u4e5f\u53ef\u4ee5\u662f\u6885\u8d5b\u5fb7\u65af\u8f66\u4e3b\u58f0\u79f0\u6570\u636e\u6765\u81ea\u6b27\u76df\u5730\u533a\u3002\u5173\u952e\u5728\u4e8e\uff0c\u901a\u8fc7\u8fd9\u79cd\u5408\u4f5c\u5173\u7cfb\uff0c\u6bcf\u4e2a\u8981\u7d20\u90fd\u53ef\u4ee5\u88ab\u4efb\u4f55\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u3001\u7ecf\u7eaa\u4eba\u6216\u4fdd\u9669\u5546\u4f5c\u4e3a\u4e00\u4e2a\u5c42\u6b21\u6dfb\u52a0\u5230\u4ed6\u4eec\u81ea\u5df1\u7684\u516c\u53f8\u751f\u6001\u7cfb\u7edf\u4e2d\u3002\u5b83\u4e3a\u5927\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u4e86\u5229\u7528\u4fdd\u9669\u516c\u53f8\u5408\u4f5c\u4f19\u4f34\u63d0\u4f9b\u7684\u6570\u636e\u8d44\u6e90\u548c\u4e13\u4e1a\u77e5\u8bc6\uff0c\u4ece\u800c\u5feb\u901f\u83b7\u53d6\u65b0\u60f3\u6cd5\u5e76\u6269\u5927\u89c4\u6a21\u7684\u673a\u4f1a\u3002<\/p>\n<p>\u53e6\u5916\u4e00\u4e2a\u5173\u952e\u5728\u4e8e\uff0c\u7531\u4e8e\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u7684\u521b\u65b0\uff0c\u4fdd\u9669\u5ba2\u6237\u76ee\u524d\u662f\u5728\u6267\u884c\u7ecf\u7eaa\u4eba\u3001\u4ee3\u7406\u548c\u4fdd\u9669\u516c\u53f8\u5341\u5e74\u524d\u5b8c\u6210\u7684\u8bb8\u591a\u7ba1\u7406\u4efb\u52a1\u3002\u5730\u5740\u53d8\u66f4\u3001\u5a5a\u59fb\u72b6\u51b5\u3001\u5de5\u4f5c\u8c03\u52a8\u7b49\u4e2d\u671f\u8c03\u6574 (MTA) \u90fd\u7531\u6295\u4fdd\u4eba\u901a\u8fc7\u667a\u80fd\u624b\u673a\u5e94\u7528\u7a0b\u5e8f\u4e0a\u4f20\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u6bcf\u4e2a\u4fdd\u9669\u516c\u53f8\u90fd\u9700\u8981\u4e00\u4e2a\u5408\u89c4\u4e14\u5b89\u5168\u7684\u591a\u6e20\u9053\u6570\u636e\u7ba1\u7406\u7f51\u7edc\uff0c\u540c\u65f6\u5b83\u8fd8\u8981\u6709\u80fd\u529b\u81ea\u52a8\u6267\u884c\u4ece\u62a5\u4ef7\u5230\u7d22\u8d54\u652f\u4ed8\u7b49\u5c3d\u53ef\u80fd\u591a\u7684\u7ba1\u7406\u529f\u80fd\u3002<\/p>\n<p>\u5b9e\u9645\u4e0a\uff0c\u7406\u8d54\u4e3a\u5f00\u53d1\u53ef\u8282\u7701\u5b9d\u8d35\u7ba1\u7406\u65f6\u95f4\u7684\u4fdd\u9669\u79d1\u6280\u4ea7\u54c1\u63d0\u4f9b\u4e86\u6700\u5927\u7684\u7a7a\u95f4\u3002\u5f53\u4fdd\u9669\u516c\u53f8\u5904\u7406\u7d22\u8d54\u65f6\uff0c\u4f8b\u5982\u6bcf\u6708 500 \u8d77\u201c\u8f7b\u5fae\u4e8b\u6545\u201d\u6c7d\u8f66\u4fdd\u9669\u7d22\u8d54\uff0c\u4ece FNOL\uff08\u9996\u6b21\u62a5\u635f\uff09\u5230\u7406\u8d54\u7ed3\u7b97\uff0c\u4efb\u4f55\u53ef\u4ee5\u51cf\u5c11\u51e0\u5206\u949f\u65f6\u95f4\u7684\u8f6f\u4ef6\u90fd\u53ef\u80fd\u4e3a\u6bcf\u8d77\u7d22\u8d54\u8282\u7701 10 \u81f3 25 \u7f8e\u5143\u3002\u6bcf\u4e2a SaaS \u6280\u672f\u8fdb\u6b65\u53ef\u80fd\u770b\u8d77\u6765\u662f\u5411\u524d\u7684\u4e00\u5c0f\u6b65\uff0c\u4f46\u4ece\u73b0\u91d1\u89d2\u5ea6\u6765\u770b\uff0c\u5b83\u4f1a\u5728\u4e00\u4e2a\u8d22\u653f\u5e74\u5ea6\u5185\u4ee5\u975e\u5e38\u79ef\u6781\u7684\u65b9\u5f0f\u5f71\u54cd\u76c8\u4e8f\u5e95\u7ebf\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-87925\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/04\/ALJ-Insurance-Tech-Infographics-Data.jpg\" alt=\"\" width=\"2560\" height=\"1707\" \/><\/p>\n<h2>\u4fdd\u9669\u79d1\u6280\u98a0\u8986\u8005<\/h2>\n<p>\u4fdd\u9669\u79d1\u6280\u98a0\u8986\u662f\u5b83\u5f15\u8d77\u5173\u6ce8\u7684\u65b9\u9762\u3002\u5f53\u60a8\u8c08\u5230\u6784\u5efa\u672a\u6765\u65f6\uff0c\u60a8\u7ecf\u5e38\u4f1a\u770b\u5230\u5927\u91cf\u6295\u8d44\u57fa\u91d1\u548c\u98ce\u9669\u6295\u8d44\u6d41\u5165\u3002\u5176\u4e2d\u90e8\u5206\u539f\u56e0\u662f\uff0c\u4fdd\u9669\u79d1\u6280\u7684\u884c\u653f\u7ba1\u7406\u6539\u8fdb\u9886\u57df\u5df2\u7ecf\u88ab\u5168\u7403\u5927\u578b\u516c\u53f8\u548c\u8d22\u5bcc 500 \u5f3a\u516c\u53f8\u4e3b\u5bfc\u2014\u2014\u4ed6\u4eec\u6709\u73b0\u91d1\u6765\u505a\u8fd9\u9879\u5de5\u4f5c\u3002\u4f46\u662f\uff0c\u5168\u7403\u8bb8\u591a\u4fdd\u9669\u5e02\u573a\u7684\u98a0\u8986\u65f6\u673a\u5df2\u7ecf\u6210\u719f\u4e5f\u662f\u4e8b\u5b9e\uff0c\u8fd9\u4fc3\u4f7f\u8d8a\u6765\u8d8a\u591a\u7684\u6295\u8d44\u8005\u5f00\u59cb\u8003\u8651\u6536\u8d2d\u4fdd\u9669\u79d1\u6280\u521d\u521b\u4f01\u4e1a\u3002<\/p>\n<p>\u6839\u636e Willis Towers Watson \u7684\u5b63\u5ea6\u6027\u4fdd\u9669\u79d1\u6280\u62a5\u544a<a href=\"#_ftn2\" name=\"_ftnref2\"><sup>[2]<\/sup><\/a>\uff0c2020 \u5e74 COVID-19 \u5371\u673a\u5e76\u672a\u5f71\u54cd\u5230\u6574\u4f53\u4fdd\u9669\u79d1\u6280\u6295\u8d44\u3002\u76f8\u53cd\uff0c\u8fd9\u662f\u521b\u7eaa\u5f55\u7684\u4e00\u5e74\uff1a\u201c\u5728\u4e0d\u666f\u6c14\u7684\u4e00\u5e74\u91cc\uff0c\u5168\u7403\u4fdd\u9669\u79d1\u6280\u6295\u8d44\u4ecd\u6301\u7eed\u589e\u957f\u30022020 \u5e74\uff0c\u5168\u5e74\u4fdd\u9669\u79d1\u6280\u8d44\u91d1\u603b\u989d\u521b\u5386\u53f2\u65b0\u9ad8\uff0c\u8fbe\u5230 71 \u4ebf\u7f8e\u5143\uff0c\u4ea4\u6613\u91cf\u8fbe 377 \u7b14\u3002\u201d<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-87932\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/04\/ALJ-Insurance-Tech-Infographics-Growth.jpg\" alt=\"\" width=\"2560\" height=\"1991\" \/><\/p>\n<h2>\u4e00\u79cd\u65b0\u578b\u7684\u6c7d\u8f66\u4fdd\u9669<\/h2>\n<p>\u6b63\u5982\u6bd5\u9a6c\u5a01\u5728 2019 \u5e74<a href=\"#_ftn3\" name=\"_ftnref3\"><sup>[3]<\/sup><\/a>\u7684\u4e00\u4efd\u4fdd\u9669\u79d1\u6280\u62a5\u544a\u4e2d\u6307\u51fa\uff0c\u4ece\u62e5\u6709\u6c7d\u8f66\u5230\u79df\u8d41\u6c7d\u8f66\u7684\u8f6c\u53d8\uff0c\u6216\u8005\u4ece\u7b80\u5355\u5730\u8d2d\u4e70\u8ba2\u9605\u5230\u57ce\u5e02\u79fb\u52a8\u670d\u52a1\u7684\u8f6c\u53d8\uff0c\u662f\u6270\u4e71\u6c7d\u8f66\u4fdd\u9669\u5e02\u573a\u7684\u6700\u98a0\u8986\u6027\u56e0\u7d20\u4e4b\u4e00\u3002\u8fd9\u4e00\u8fdb\u7a0b\u56e0\u6b64\u6b21\u75ab\u60c5\u800c\u52a0\u901f\uff0c\u7279\u522b\u662f\u5728\u897f\u65b9\u7ecf\u6d4e\u4f53\uff0c\u8fd9\u91cc\u6240\u8c13\u7684\u52b3\u52a8\u529b\u201c\u6570\u5b57\u6e38\u6c11\u201d\u90e8\u5206\u73b0\u5728\u5df2\u4ece\u4e3b\u8981\u57ce\u5e02\u7684\u901a\u52e4\u533a\u91ca\u653e\u5230\u529e\u516c\u5ba4\u3002<\/p>\n<p>\u6765\u81ea\u7f8e\u56fd Metromile\u3001\u82f1\u56fd By Miles \u6216\u5370\u5ea6 PolicyBazaar \u7b49\u516c\u53f8\u7684\u6bcf\u82f1\u91cc\u652f\u4ed8\u4ea7\u54c1\u90fd\u6709\u7740\u76f8\u540c\u7684\u57fa\u672c\u5185\u5bb9\uff1a\u6839\u636e\u9a7e\u9a76\u5458\u884c\u4e3a\u3001\u884c\u9a76\u8def\u7ebf\u4ee5\u53ca\u4ece\u8f66\u8f86\u5185\u7f6e\u7684 DAS \u7cfb\u7edf\u6536\u96c6\u7684\u5176\u4ed6\u6570\u636e\u6765\u8bc4\u4f30\u6301\u7eed\u98ce\u9669\u3002<\/p>\n<figure id=\"attachment_52292\" aria-describedby=\"caption-attachment-52292\" style=\"width: 200px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-52292\" src=\"https:\/\/www.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg\" alt=\"Nil\u00fcfer G\u00fcnhan\" width=\"200\" height=\"300\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg 200w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-100x150.jpg 100w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-768x1153.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-682x1024.jpg 682w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278.jpg 1000w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-52292\" class=\"wp-caption-text\">\u5b89\u5229\u6377\u91d1\u878d\u516c\u53f8\u9996\u5e2d\u91d1\u878d\u670d\u52a1\u5b98 Nil\u00fcferG\u00fcnhan<\/figcaption><\/figure>\n<p>\u76f8\u6bd4\u8986\u76d6\u90ae\u653f\u7f16\u7801\u3001\u5f53\u5730\u72af\u7f6a\u7edf\u8ba1\u3001\u9a7e\u9a76\u5458\u7d22\u8d54\u5386\u53f2\u3001\u5de5\u4f5c\u3001\u6027\u522b\u3001\u5a5a\u59fb\u72b6\u51b5\u7b49\u7684\u73b0\u6709\u7cbe\u7b97\u8868\u65b9\u6cd5\uff0c\u8fd9\u662f\u627f\u4fdd\u98ce\u9669\u65b9\u9762\u7684\u91cd\u8981\u8f6c\u53d8\u3002\u7531\u4e8e\u6c7d\u8f66\u884c\u9a76\u91cc\u7a0b\u6570\u636e\u901a\u8fc7\u667a\u80fd\u624b\u673a\u6216\u8fdc\u7a0b\u4fe1\u606f\u5904\u7406\u8bbe\u5907\u5b9e\u65f6\u4f20\u9012\u5230\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u548c\u4fdd\u9669\u516c\u53f8\uff0c\u56e0\u6b64\u5b83\u8ba9\u4eba\u5de5\u667a\u80fd\u8fd8\u80fd\u6839\u636e\u6240\u6536\u96c6\u7684\u6570\u636e\u6765\u8ba1\u7b97\u5c06\u6765\u7684\u7eed\u4fdd\u4fdd\u8d39\u3002\u4fdd\u9669\u5b9a\u4ef7\u4e0d\u518d\u57fa\u4e8e\u539f\u59cb\u7684\u65e0\u7d22\u8d54\u6298\u6263\u6216\u6295\u4fdd\u4eba\u5730\u5740\u548c\u5de5\u4f5c\u4fe1\u606f\u3002<\/p>\n<p>\u5b83\u771f\u6b63\u5177\u6709\u98a0\u8986\u6027\uff0c\u8ba9\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u6839\u636e\u53f8\u673a\u4e2a\u4eba\u7684\u98ce\u9669\u72b6\u51b5\uff0c\u4f7f\u6bcf\u4efd\u4fdd\u9669\u90fd\u975e\u5e38\u4e2a\u6027\u5316\u3002\u6b64\u5916\uff0c\u5b83\u5b8c\u5168\u5b9e\u73b0\u4e86\u6d41\u7a0b\u7684\u81ea\u52a8\u5316\uff0c\u56e0\u6b64\u4e0d\u5b58\u5728\u6027\u522b\u3001\u79cd\u65cf\u8eab\u4efd\u6216\u793e\u4f1a\u9636\u5c42\u504f\u89c1\u7684\u6307\u63a7\u3002<\/p>\n<p><em>\u201c\u968f\u7740\u4fdd\u9669\u63d0\u4f9b\u5546\u6570\u91cf\u7684\u589e\u52a0\uff0c\u62e5\u6709\u6700\u4f73\u6570\u5b57\u4f53\u9a8c\u3001\u6570\u636e\u5206\u6790\u548c\u9884\u6d4b\u80fd\u529b\u7684\u63d0\u4f9b\u5546\u901a\u8fc7\u786e\u4fdd\u4ed6\u4eec\u7684\u89e3\u51b3\u65b9\u6848\u6700\u76f8\u5173\u3001\u53ca\u65f6\u548c\u76f4\u89c2\uff0c\u4ece\u800c\u8d62\u5f97\u6d88\u8d39\u8005\u7684\u4e1a\u52a1\u3002\u8fd9\u4e9b\u65b0\u6280\u672f\u5c06\u5f00\u542f\u8d8a\u6765\u8d8a\u591a\u7684\u7efc\u5408\u4f53\u9a8c\uff0c<\/em>\u201d<a href=\"https:\/\/alj.com\/zh-hans\/financial-services\/\">Nil\u00fcfer G\u00fcnhan<\/a> \u8bf4\u9053\u3002<\/p>\n<h2>\u4e0d\u65ad\u53d8\u5316\u7684\u5e02\u573a\u8d4b\u4e88\u4e86\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u80fd\u529b<\/h2>\n<p>\u867d\u7136 Covid-19 \u75ab\u60c5\u4fc3\u4f7f\u4eba\u4eec\u5bf9\u65b0\u7684\u533b\u7597\u4fdd\u9669\u89e3\u51b3\u65b9\u6848\u548c\u65c5\u6e38\u4fdd\u9669\u4ea7\u54c1\u7684\u5174\u8da3\u6fc0\u589e\uff0c\u4f46\u5f71\u54cd\u4fdd\u9669\u79d1\u6280\u53d1\u5c55\u7684\u8bb8\u591a\u793e\u4f1a\u56e0\u7d20\u5374\u66f4\u52a0\u6df1\u5165\u3002\u8fd9\u4e9b\u957f\u671f\u7684\u4eba\u53e3\u548c\u793e\u4f1a\u8d8b\u52bf\u4e3a\u4fdd\u9669\u79d1\u6280\u521b\u9020\u4e86\u586b\u8865\u5e02\u573a\u7a7a\u767d\u7684\u673a\u4f1a\uff0c\u6311\u6218\u4e86\u73b0\u6709\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u7684\u4f20\u7edf\u4ea7\u54c1\u548c\u670d\u52a1\u3002<\/p>\n<p>Z \u4e16\u4ee3\uff081990 \u5e74\u81f3 2005 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\u7684\u7528\u6237\u7fa4\u3002<\/p>\n<p>\u53e6\u4e00\u65b9\u9762\uff0c\u5317\u7f8e\u3001\u6b27\u6d32\u548c\u4e1c\u4e9a\u7684\u8001\u9f84\u5316\u4eba\u53e3\u53ef\u80fd\u9700\u8981\u4e1a\u5df2\u5b58\u5728\u7684\u65c5\u884c\u533b\u7597\u4fdd\u9669\u3001\u4e00\u7cfb\u5217\u533b\u7597\u4fdd\u5065\u548c\u798f\u5229\u653f\u7b56\u4ea7\u54c1\uff0c\u6216\u5ba0\u7269\u4fdd\u9669\u7b49\u3002<\/p>\n<p>\u6b27\u76df\u7edf\u8ba1\u5c40 (Eurostat) \u62a5\u544a\u79f0\uff0c2010 \u81f3 2020 \u5e74<a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a>\u671f\u95f4\uff0c\u5355\u4eba\u5bb6\u5ead\u6570\u91cf\u589e\u52a0\u4e86 18%\u3002\u5728\u745e\u5178\u3001\u5fb7\u56fd\u548c\u82ac\u5170\uff0c\u513f\u7ae5\u5728\u6240\u6709\u5bb6\u5ead\u4e2d\u7684\u5360\u6bd4\u4ec5\u4e3a 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Accenture \u4e8e 2020 <a href=\"#_ftn5\" name=\"_ftnref5\">[5]<\/a>\u5e74\u521d\u53d1\u8868\u7684\u7814\u7a76\uff0c\u5370\u5ea6\u662f\u7ee7\u7f8e\u56fd\u548c\u82f1\u56fd\u4e4b\u540e\u91d1\u878d\u79d1\u6280\u6295\u8d44\u989d\u7b2c\u4e09\u5927\u7684\u63a5\u6536\u56fd\u3002<\/p>\n<h2>\u533a\u57df\u4e2d\u5fc3\uff0c\u5408\u89c4\u652f\u6301<\/h2>\n<p>\u8bb8\u591a\u653f\u5e9c\u673a\u6784\u3001\u94f6\u884c\u548c\u6295\u8d44\u57fa\u91d1\u652f\u6301\u533a\u57df\u6027\u4fdd\u9669\u79d1\u6280\u4e2d\u5fc3\u7684\u60f3\u6cd5\uff0c\u65e8\u5728\u4e3a\u8fd9\u4e2a\u84ec\u52c3\u53d1\u5c55\u7684\u884c\u4e1a\u63d0\u4f9b\u652f\u6301\u3002\u5728\u4f26\u6566\uff0cInsurtech UK \u5145\u5f53\u521b\u610f\u5de5\u5382\u7684\u89d2\u8272\uff0c\u4e3a\u6295\u8d44\u8005\u548c\u5408\u4f5c\u4f19\u4f34\u63d0\u4f9b\u4e86\u6e20\u9053\u3002\u5728\u4e16\u754c\u5404\u5730\u7684\u5176\u4ed6\u57ce\u5e02\uff0c\u4ece\u9a6c\u5fb7\u91cc\u548c\u67cf\u6797\uff0c\u5230\u8fea\u62dc\u3001\u5723\u5730\u4e9a\u54e5\u3001\u4f0a\u65af\u5766\u5e03\u5c14\u7b49\u7b49\uff0c\u4e5f\u53ef\u4ee5\u89c1\u5230\u8fd9\u79cd\u540c\u6837\u7684\u65b9\u6cd5\uff0c\u8fd9\u4e9b\u57ce\u5e02\u4e2d\u6709\u7740\u7c7b\u4f3c\u60f3\u6cd5\u7684\u521b\u65b0\u8005\u8bd5\u56fe\u98a0\u8986\u5f53\u5730\u4fdd\u9669\u5e02\u573a\uff0c\u5e76\u6700\u7ec8\u5c06\u4ea7\u54c1\u63a8\u5411\u5168\u7403\uff0c\u800c\u65b9\u5f0f\u901a\u5e38\u662f\u4e0e\u66f4\u5927\u7684\u4fdd\u9669\u5206\u9500\u5546\u548c\u627f\u4fdd\u4eba\u5efa\u7acb\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u3002<\/p>\n<p>\u8bb8\u591a\u533a\u57df\u4e2d\u5fc3\u8fd8\u901a\u8fc7\u5e74\u5ea6\u9500\u552e\u7ade\u8d5b\u6216\u5956\u52b1\u63d0\u4f9b\u5956\u54c1\u3001\u98ce\u9669\u8d44\u672c\u548c\u8865\u52a9\u91d1\u3002\u745e\u58eb\u7684 Seedstars World\u3001\u4f26\u6566\u7684 Lloyd&#8217;s Lab \u5b75\u5316\u5668\u548c\u7f8e\u56fd\u7684 NAMIC Fastpitch \u6d3b\u52a8\u53ea\u662f\u8fd9\u79cd\u533a\u57df\u5c55\u793a\u65b9\u6cd5\u7684\u4e09\u4e2a\u4f8b\u5b50\uff0c\u8fd9\u79cd\u65b9\u6cd5\u65e8\u5728\u53d1\u5c55\u521b\u65b0\u7684\u521b\u4e1a\u516c\u53f8\u5e76\u5e2e\u52a9\u4ed6\u4eec\u5efa\u7acb\u6709\u7528\u7684\u8054\u7cfb\u3002<\/p>\n<p>\u5728\u5408\u89c4\u6027\u65b9\u9762\uff0c\u8fd9\u79cd\u533a\u57df\u4e2d\u5fc3\u65b9\u6cd5\u8fd8\u4e3a\u76d1\u7ba1\u673a\u6784\u63d0\u4f9b\u4e86\u5236\u5b9a\u6807\u51c6\u7684\u673a\u4f1a\uff0c\u5e76\u4e3a\u521b\u65b0\u8005\u63d0\u4f9b\u4e86\u5728\u6784\u5efa\u4ea7\u54c1\u65f6\u6709\u6548\u81ea\u52a8\u5408\u89c4\u7684\u673a\u4f1a\u3002<\/p>\n<p>Zego \u4e3a\u6b27\u6d32\u7684\u9001\u8d27\u9a91\u624b\u63d0\u4f9b\u5373\u4ed8\u5373\u7528\u5236\u4fdd\u9669\uff0c\u81ea\u52a8\u5efa\u7acb\u5173\u4e8e\u53d1\u52a8\u673a\u5bb9\u91cf\u3001\u9a91\u624b\u6267\u7167\u8981\u6c42\u7b49\u7684\u5f53\u5730\u5e02\u573a\u89c4\u5219\u3002\u6b64\u5916\uff0c\u5b83\u8fd8\u5177\u6709\u5bf9\u4fdd\u5355\u7528\u8bcd\u7684\u81ea\u52a8\u7ffb\u8bd1\u529f\u80fd\u3002\u5f53\u60a8\u4e3a\u7b2c\u4e00\u8bed\u8a00\u53ef\u80fd\u4e0d\u662f\u82f1\u8bed\u7684 Uber Eats \u6216 Deliveroo \u9a91\u624b\u63d0\u4f9b\u6309\u73ed\u4ed8\u8d39\u7684\u4fdd\u9669\u65f6\uff0c\u8fd9\u4e00\u70b9\u5f88\u91cd\u8981\u3002<\/p>\n<p>\u5728\u6b27\u6d32\uff0c\u8bb8\u591a\u6b27\u76df\u548c\u4e2a\u522b\u653f\u5e9c\u5b75\u5316\u5668\u548c\u8865\u52a9\u91d1\u53ef\u4f9b\u4fdd\u9669\u516c\u53f8\u4f7f\u7528\u3002\u8fd9\u4e9b\u534f\u4f1a\u4e0d\u4ec5\u63d0\u4f9b\u6709\u5173\u5408\u89c4\u7684\u91cd\u8981\u8054\u7cfb\u65b9\u5f0f\u548c\u77e5\u8bc6\uff0c\u8fd8\u53ef\u4ee5\u4e3a\u589e\u52a0\u8d44\u91d1\u6253\u5f00\u5927\u95e8\u3002\u901a\u8fc7\u52a0\u5165\u534f\u4f1a\u6216\u53c2\u52a0\u653f\u5e9c\u652f\u6301\u7684\u63a8\u4ecb\u4f1a\u83b7\u5f97\u7684\u771f\u6b63\u529b\u91cf\u662f\uff0c\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u53ef\u4ee5\u4ece\u4e00\u5f00\u59cb\u5c31\u83b7\u5f97\u5408\u89c4\u7684\u3001\u7ed3\u6784\u5316\u7684\u5efa\u8bae\u3002<\/p>\n<p>\u5728\u6b27\u76df\u3001\u4ee5\u8272\u5217\u3001\u5370\u5ea6\u548c\u8bb8\u591a\u5176\u4ed6\u5e02\u573a\uff0c\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u8fd8\u6709\u53e6\u4e00\u4e2a\u5408\u89c4\u4f18\u52bf\uff0c\u90a3\u5c31\u662f\u8d44\u672c\u6bd4\u7387\u6216\u507f\u4ed8\u80fd\u529b\u3002\u867d\u7136\u4fdd\u9669\u516c\u53f8\u5fc5\u987b\u6ee1\u8db3\u8d44\u672c\u6d41\u52a8\u6027\u548c\u73b0\u91d1\u50a8\u5907\u65b9\u9762\u7684\u9ad8\u6807\u51c6\uff0c\u4f46\u5728\u53d1\u751f\u707e\u96be\u6027\u7d22\u8d54\u65f6\uff0c\u76f8\u540c\u7684\u8d44\u672c\u6c34\u5e73\u901a\u5e38\u5e76\u4e0d\u9002\u7528\u4e8e\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u3002\u8fd9\u662f\u4e3a\u4e86\u8ba9\u521d\u521b\u4f01\u4e1a\u80fd\u591f\u6700\u597d\u5730\u5229\u7528\u5176\u53ef\u7528\u8d44\u91d1\uff0c\u5373\u4f7f\u4ed6\u4eec\u4e0e\u8f83\u5927\u7684\u4fdd\u9669\u516c\u53f8\u5728\u540c\u6837\u53d7\u4e25\u683c\u76d1\u7ba1\u7684\u5e02\u573a\u8fd0\u4f5c\u3002<\/p>\n<h2>\u5206\u9500\u662f\u5173\u952e<\/h2>\n<p>\u770b\u5230\u98a0\u8986\u6027\u7684\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u5e26\u6765\u65b0\u7684\u60f3\u6cd5\u548c\u4ea7\u54c1\u4ee4\u4eba\u5174\u594b\uff0c\u4f46\u8fd9\u5e76\u4e0d\u662f\u8981\u6311\u6218\u73b0\u72b6\u3002\u5927\u578b\u4fdd\u9669\u516c\u53f8\u901a\u5e38\u91c7\u53d6\u53cc\u8f68\u65b9\u5f0f\uff0c\u5efa\u7acb\u81ea\u5df1\u7684\u521b\u65b0\u4e2d\u5fc3\uff0c\u5e76\u5c06\u53ef\u5151\u6362\u73b0\u91d1\u6295\u8d44\u4e8e\u65b0\u7684\u4fdd\u9669\u516c\u53f8\u3002\u4ed6\u4eec\u57fa\u672c\u4e0a\u90fd\u4f1a\u8d2d\u4e70\u77e5\u8bc6\u2014\u2014\u4ed6\u4eec\u7136\u540e\u5bf9\u6b64\u5982\u4f55\u5904\u7406\u5c06\u53d6\u51b3\u4e8e\u4ed6\u4eec\u5728\u5168\u7403\u7684\u9500\u552e\u7f51\u7edc\u548c\u6218\u7565\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u4fdd\u9669\u5de8\u5934\u82cf\u9ece\u4e16\u5728 2018 \u5e74\u63a8\u51fa\u4e86\u521b\u65b0\u574a ( Innovation Foundry)\uff0c\u4ee5\u53ca\u4e00\u4e2a\u7406\u5ff5\u4e2d\u5fc3\u548c\u4e00\u4e2a\u4fdd\u9669\u79d1\u6280\u5956\u8ba1\u5212\u3002\u4e24\u5e74\u5185\uff0c\u4ed6\u4eec\u6709 700 \u591a\u4e2a\u4ea7\u54c1\u6982\u5ff5\u9700\u8981\u5ba1\u6838<a href=\"#_ftn6\" name=\"_ftnref6\">[6]<\/a>\u3002\u4e0d\u51fa\u6240\u6599\uff0c\u8981\u8003\u8651\u5982\u6b64\u5927\u91cf\u7684\u521b\u65b0\uff0c\u5373\u4f7f\u662f\u5bf9\u4fdd\u9669\u4e1a\u5de8\u5934\u6765\u8bf4\uff0c\u4e5f\u4e0d\u53ef\u80fd\u7ba1\u7406\u5f97\u597d\u3002<\/p>\n<p>\u8fc7\u53bb\u51e0\u5e74\u4e2d\uff0c\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u548c\u8f83\u5927\u53c2\u4e0e\u8005\u4e4b\u95f4\u7684\u5408\u4f5c\u5df2\u6210\u4e3a\u4e00\u79cd\u5168\u7403\u8d8b\u52bf\uff0c\u56e0\u6b64\u201c\u6982\u5ff5\u9a8c\u8bc1\u201d\u53ef\u4ee5\u4f5c\u4e3a\u4e00\u4e2a\u60f3\u6cd5\u53d1\u5c55\u7684\u57fa\u51c6\u3002\u6362\u53e5\u8bdd\u8bf4\uff1a\u542c\u8d77\u6765\u50cf\u662f\u8d62\u5bb6\uff0c\u4f46\u4eba\u4eec\u5b9e\u9645\u4e0a\u4f1a\u8d2d\u4e70\u4ea7\u54c1\u5417\uff1f<\/p>\n<p>2020 \u5e74 5 \u6708\uff0cAXA \u4e0e\u4f4d\u4e8e\u963f\u8054\u914b\u7684 Democrance \u5408\u4f5c<a href=\"#_ftn7\" name=\"_ftnref7\">[7]<\/a>\uff0c\u9996\u5148\u5728\u6cf0\u56fd\u8bd5\u6c34\u4e86\u5176\u6570\u5b57\u4fdd\u9669\u4ea7\u54c1\uff0c\u7136\u540e\u518d\u5c06\u5176\u63a8\u5e7f\u5230\u5176\u4ed6\u53d1\u5c55\u4e2d\u5e02\u573a\u3002\u5728\u6ce2\u5170\uff0c\u6700\u5927\u7684\u672c\u5730\u4fdd\u9669\u516c\u53f8 PZU \u6700\u8fd1\u4e0e Tractable AI \u5408\u4f5c<a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a>\uff0c\u7b80\u5316\u4e86\u7535\u673a\u7d22\u8d54\u7a0b\u5e8f\uff0c\u7136\u540e\u5728\u5176\u4ed6\u5e02\u573a\u5e94\u7528\u4e86\u76f8\u540c\u7684\u81ea\u52a8\u8f66\u8eab\u7ef4\u4fee\u7d22\u8d54\u6280\u672f\u3002\u4fdd\u9669\u79d1\u6280\u4ea7\u54c1\u7684\u6301\u7eed\u57fa\u51c6\u6d4b\u8bd5\u662f\u5b8c\u5584\u8fd9\u4e00\u8fc7\u7a0b\u7684\u4e00\u90e8\u5206\uff0c\u968f\u7740\u4fdd\u9669\u516c\u53f8\u4e0d\u65ad\u6536\u96c6\u66f4\u591a\u7d22\u8d54\u6570\u636e\uff0c\u4ed6\u4eec\u4f1a\u53d1\u73b0\u66f4\u591a\u9700\u8981\u89e3\u51b3\u7684\u95ee\u9898\u3002<\/p>\n<p>\u8fd9\u91cc\u7684\u53e6\u4e00\u4e2a\u5f71\u54cd\u56e0\u7d20\u662f\u4ea7\u54c1\u901a\u8fc7\u5206\u9500\u6e20\u9053\u8d70\u5411\u5e02\u573a\u7684\u8fc7\u7a0b\u3002\u9700\u8981\u8003\u8651\u8bb8\u591a\u5de8\u5927\u7684\u5e02\u573a\u53d8\u5316\u3002\u4ece\u4fdd\u9669\u79d1\u6280\u7684\u89d2\u5ea6\u6765\u770b\uff0c\u6700\u597d\u662f\u5728\u5927\u724c\u4fdd\u9669\u516c\u53f8\u7684\u5e87\u62a4\u4e0b\u53d1\u5c55\u65b0\u7684\u60f3\u6cd5\uff0c\u7136\u540e\u4f9d\u9760\u4ed6\u4eec\u7684\u9500\u552e\u6e20\u9053\u8fdb\u884c\u63a8\u5e7f\u3002\u4f8b\u5982\uff0cMapfre \u7684 Insure-Space \u8ba1\u5212\u4e3a\u521d\u521b\u4f01\u4e1a\u63d0\u4f9b\u4e86\u8d44\u91d1\u548c\u516d\u4e2a\u6708\u7684\u7814\u53d1\u65f6\u95f4\u3002\u540c\u6837\uff0c\u4f26\u6566\u7684 Lloyd&#8217;s Lab \u548c\u7f8e\u56fd\u7684 MetLife \u5df2\u5236\u5b9a\u5168\u7403\u521b\u65b0\u8ba1\u5212 \uff0c\u4e3a\u6b27\u6d32\u3001\u4e2d\u4e1c\u548c\u975e\u6d32\u4ee5\u53ca\u5317\u7f8e\u6d32\u7684\u4fdd\u9669\u79d1\u6280\u516c\u53f8\u63d0\u4f9b 10 \u4e07\u7f8e\u5143\u8d44\u91d1\u3002<\/p>\n<h2>\u4e3a\u672a\u6765\u6295\u8d2d\u4fdd\u9669<\/h2>\n<p>\u968f\u7740\u4fdd\u9669\u79d1\u6280\u5728\u65b0\u6280\u672f\u548c\u670d\u52a1\u65b9\u9762\u4e0d\u65ad\u8fdb\u6b65\u548c\u521b\u65b0\uff0c\u5e02\u573a\u7684\u67d0\u4e9b\u677f\u5757\u6709\u671b\u5e26\u6765\u91cd\u5927\u673a\u9047\u3002\u4f8b\u5982\uff0c\u5728\u75ab\u60c5\u540e\u7684\u4e16\u754c\uff0c\u533b\u7597\u4fdd\u9669\u5f88\u53ef\u80fd\u53d1\u751f\u5de8\u5927\u53d8\u5316\u3002\u4e0d\u5355\u5355\u5c40\u9650\u4e8e\u4ee5\u5927\u6570\u636e\u3001AI\u3001\u53ef\u7a7f\u6234\u6280\u672f\u7b49\u4e3a\u652f\u6491\u7684\u4f20\u7edf\u4eba\u5bff\u4fdd\u9669\uff0c\u8fd8\u6709\u9488\u5bf9\u6536\u5165\u635f\u5931\u6216\u88ab\u5c01\u9501\u5728\u7279\u5b9a\u5730\u70b9\uff0c\u4ee5\u53ca\u9488\u5bf9\u975e COVID \u72b6\u51b5\u7684\u5feb\u901f\u7b5b\u67e5\u548c\u8bca\u65ad\u5bf9\u6295\u4fdd\u4eba\u8fdb\u884c\u8d54\u507f\u7684\u65b0\u4ea7\u54c1\u3002\u8bb8\u591a\u56fd\u5bb6\u536b\u751f\u670d\u52a1\u673a\u6784\u5728\u75ab\u60c5\u671f\u95f4\u96be\u4ee5\u7ef4\u6301\u5b9a\u671f\u7b5b\u67e5\u6216\u5065\u5eb7\u68c0\u67e5\uff0c\u56e0\u6b64\u8fd9\u4e3a\u6570\u5b57\u536b\u751f\u548c\u533b\u7597\u4fdd\u9669\u516c\u53f8\u4ee5\u53ca\u65b0\u7684\u521d\u521b\u516c\u53f8\u63d0\u4f9b\u4e86\u5de8\u5927\u7684\u673a\u9047\u3002<\/p>\n<p>\u5728\u5317\u7f8e\u548c\u6b27\u6d32\uff0c\u5728\u5bb6\u529e\u516c\u7684\u8d8b\u52bf\u4e5f\u53ef\u80fd\u5e26\u6765\u57fa\u4e8e\u5e94\u7528\u7a0b\u5e8f\u7684 PAYG \u6c7d\u8f66\u4fdd\u9669\u4ea7\u54c1\u5927\u5e45\u589e\u957f\uff0c\u8bb8\u591a\u4ea7\u54c1\u5728\u9ed8\u8ba4\u60c5\u51b5\u4e0b\u8fd8\u5145\u5f53\u5b9e\u65f6\u6570\u636e\u91c7\u96c6\u8005\u7684\u89d2\u8272\u3002\u5c3d\u7ba1\u8fdc\u7a0b\u4fe1\u606f\u5904\u7406\u8bbe\u5907\u6b63\u5728\u6539\u5584\uff0c\u4f46\u662f\uff0c\u5982\u679c\u6d88\u8d39\u8005\u7684\u667a\u80fd\u624b\u673a\u80fd\u591f\u63d0\u4f9b\u8db3\u591f\u7684\u6570\u636e\u6765\u83b7\u5f97\u6309\u82f1\u91cc\u4ed8\u8d39\u7684\u4fdd\u9669\uff0c\u90a3\u4e48\u4ed6\u4eec\u53ef\u80fd\u4f1a\u62d2\u7edd\u8d2d\u4e70\u8fd9\u4e9b\u8fdc\u7a0b\u4fe1\u606f\u5904\u7406\u8bbe\u5907\u3002<\/p>\n<p>\u5fb7\u52e4\u7684\u8c03\u67e5<a href=\"#_ftn9\" name=\"_ftnref9\">[9]<\/a>\u6307\u51fa\uff0c\u6b64\u6b21\u75ab\u60c5\u9020\u6210\u4e86\u5546\u4e1a\u5730\u4ea7\u5e02\u573a\u7684\u6df1\u523b\u8f6c\u53d8\uff0c\u5f88\u591a\u516c\u53f8\u653e\u5f03\u79df\u7528\u5546\u4e1a\u529e\u516c\u573a\u6240\u6216\u662f\u5927\u5e45\u7f29\u5c0f\u8fd0\u8425\u89c4\u6a21\u3002\u8fd9\u5c06\u4e3a\u57ce\u5e02\u63d0\u4f9b\u65b0\u7684\u673a\u4f1a\uff0c\u8fd9\u4e9b\u57ce\u5e02\u7684\u529e\u516c\u7a7a\u95f4\u9010\u6e10\u88ab\u91cd\u65b0\u7528\u4f5c\u516c\u5bd3\u3001\u4f11\u95f2\u573a\u6240\uff0c\u6216\u662f\u88ab\u5730\u65b9\u653f\u5e9c\u7559\u4f5c\u5176\u4ed6\u7528\u9014\u3002\u5f53\u8fd9\u79cd\u8d8b\u52bf\u5f97\u5230\u6c14\u5019\u53d8\u5316\u548c\u53ef\u6301\u7eed\u53d1\u5c55\u5021\u8bae\u7684\u652f\u6301\u65f6\uff0c\u5b83\u5f88\u53ef\u80fd\u4ea7\u751f\u5bf9\u751f\u6001\u516c\u56ed\u3001\u7535\u52a8\u8e0f\u677f\u8f66\u5171\u4eab\u8ba1\u5212\u3001\u4f4e\u78b3\u57ce\u5e02\u4ea4\u4ed8\u9879\u76ee\u7b49\u7684\u4fdd\u9669\u9700\u6c42\u3002<\/p>\n<p>\u901a\u8fc7<a href=\"https:\/\/www.alj.com\/en\/financial-services\/\">\u5b89\u5229\u6377\u91d1\u878d\u516c\u53f8<\/a>\uff0cAbdul Latif Jameel \u5df2\u7ecf\u7262\u7262\u624e\u6839\u4e8e\u8fd9\u4e2a\u4ee4\u4eba\u5174\u594b\u7684\u5e02\u573a\uff0c\u627e\u5230\u4e86\u5c06<a href=\"https:\/\/aljinsurance.com\/\">\u4fdd\u9669<\/a>\u89e3\u51b3\u65b9\u6848\u548c\u91d1\u878d\u670d\u52a1<a href=\"https:\/\/www.alj.com\/en\/perspective\/embracing-digital-disruption-in-financial-services\/\">\u76f4\u63a5\u5e26\u7ed9\u5ba2\u6237<\/a>\u7684\u65b0\u9014\u5f84\u3002<\/p>\n<p>40 \u591a\u5e74\u524d\uff0c\u6211\u4eec\u5728\u6c99\u7279\u963f\u62c9\u4f2f\u7387\u5148\u63d0\u4f9b\u6c7d\u8f66\u878d\u8d44\uff0c\u8ba9\u90a3\u4e9b\u5728\u522b\u5904\u627e\u4e0d\u5230\u8d44\u91d1\u7684\u4eba\u4eec\u80fd\u8d2d\u4e70\u6c7d\u8f66\u3002<\/p>\n<p>\u6b64\u540e\uff0c\u6211\u4eec\u6210\u4e3a\u4e2d\u4e1c\u5730\u533a\u6700\u5927\u7684\u6c7d\u8f66\u79df\u8d41\u548c\u91d1\u878d\u63d0\u4f9b\u5546\u4e4b\u4e00\u3002\u800c\u4e14\uff0c\u6211\u4eec\u6269\u5927\u4e86\u91d1\u878d\u670d\u52a1\u8303\u56f4\uff0c\u4e0d\u4ec5\u6db5\u76d6\u8f66\u8f86\uff0c\u8fd8\u6db5\u76d6\u6d88\u8d39\u54c1\u3001\u5546\u7528\u8bbe\u5907\u3001\u623f\u5730\u4ea7\u4ee5\u53ca\u8f66\u8f86\u4fdd\u9669\u4ea7\u54c1\u3002<\/p>\n<p>\u6211\u4eec\u6b63\u5728\u6269\u5927\u6211\u4eec\u63d0\u4f9b\u7684\u4fdd\u9669\u54a8\u8be2\u670d\u52a1\u548c\u4ea7\u54c1\u7684\u8303\u56f4\uff0c\u5e76\u8ba1\u5212\u5efa\u7acb\u66f4\u591a\u7684\u4fdd\u9669\u7ecf\u7eaa\u516c\u53f8\uff08\u5305\u62ec\u5728\u57c3\u53ca\uff09\uff0c\u4ee5\u8865\u5145\u6211\u4eec\u5728\u6c99\u7279\u963f\u62c9\u4f2f\u548c\u571f\u8033\u5176\u7684\u73b0\u6709\u4fdd\u9669\u54a8\u8be2\u670d\u52a1\u548c\u4ea7\u54c1\u3002<\/p>\n<p>2020 \u5e74\uff0c\u6211\u4eec\u8fd8\u5728\u4f26\u6566\u6210\u7acb\u4e86\u52b3\u57c3\u5fb7\u9644\u5c5e\u518d\u4fdd\u9669\u7ecf\u7eaa\u516c\u53f8 <a href=\"https:\/\/jenoa.com\">JENOA<\/a>\uff0c\u8be5\u516c\u53f8\u5c06\u8854\u63a5 MENAT \u548c\u4f26\u6566\u52b3\u57c3\u5fb7\u7684\u518d\u4fdd\u9669\u4e1a\u52a1\uff0c\u540c\u65f6\u5e2e\u52a9\u6211\u4eec\u5f00\u53d1\u548c\u63d0\u4f9b\u4fdd\u9669\u4ea7\u54c1\uff0c\u4ee5\u6ee1\u8db3\u5ba2\u6237\u4e0d\u65ad\u53d8\u5316\u7684\u9700\u6c42\u3002<\/p>\n<p>JENOA \u5c06\u5386\u53f2\u548c\u4f20\u7edf\u4e0e\u521b\u65b0\u3001\u672a\u6765\u601d\u7ef4\u80fd\u529b\u548c\u518d\u4fdd\u9669\u5e02\u573a\u7684\u6700\u65b0\u6280\u672f\u8fdb\u6b65\u76f8\u7ed3\u5408\u3002\u5b83\u65e8\u5728\u6210\u4e3a\u7aef\u5230\u7aef\u6570\u5b57\u7ecf\u7eaa\u516c\u53f8\uff0c\u63d0\u4f9b\u5168\u9762\u7684\u518d\u4fdd\u9669\u7ecf\u7eaa\u80fd\u529b\uff0c\u4ee5\u6ee1\u8db3\u5ba2\u6237\u7684\u7279\u5b9a\u9700\u6c42\u3002<\/p>\n<p><iframe loading=\"lazy\" src=\"\/\/www.youtube.com\/embed\/YRggn1Gz51o\" width=\"560\" height=\"314\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>\u4f5c\u4e3a\u52b3\u57c3\u5fb7\u7ecf\u7eaa\u516c\u53f8 HW Wood Ltd \u7684\u6307\u5b9a\u4ee3\u8868\uff0cJENOA \u80fd\u591f\u8fdb\u5165\u5168\u7403\u6700\u5927\u7684\u518d\u4fdd\u9669\u5e02\u573a\uff1b\u5728<a href=\"https:\/\/alj.com\/\">\u5b89\u5229\u6377\u91d1\u878d\u516c\u53f8<\/a>\u7684\u652f\u6301\u4e0b\uff0c\u8be5\u516c\u53f8\u72ec\u7279\u7684\u4ea7\u54c1\u4f7f\u5176\u80fd\u591f\u63d0\u4f9b\u4f20\u7edf\u7684\u4f26\u6566\u5e02\u573a\u89e3\u51b3\u65b9\u6848\u3001\u8bbe\u8ba1\u521b\u65b0\u7684\u4fdd\u9669\u79d1\u6280\u4ea7\u54c1\uff0c\u5e76\u63d0\u4f9b\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u89e3\u51b3\u65b9\u6848\uff0c\u5c06\u4e1a\u52a1\u6269\u5c55\u5230\u4e2d\u4e1c\u3001\u5317\u975e\u548c\u5168\u7403\u66f4\u4ee4\u4eba\u5174\u594b\u7684\u5e02\u573a\u3002<\/p>\n<figure id=\"attachment_87953\" aria-describedby=\"caption-attachment-87953\" style=\"width: 300px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-87953\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-300x189.jpeg\" alt=\"Mahboob Khan, JENOA\" width=\"300\" height=\"189\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-300x189.jpeg 300w, https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-1024x646.jpeg 1024w, https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-150x95.jpeg 150w, https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-768x484.jpeg 768w, https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA.jpeg 1280w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><figcaption id=\"caption-attachment-87953\" class=\"wp-caption-text\">Mahboob Khan<br \/>\nJENOA \u9996\u5e2d\u6267\u884c\u5b98<br \/>\nAbdul Latif Jameel \u4fdd\u9669\u548c\u98ce\u9669\u51cf\u8f7b\u4e8b\u4e1a\u90e8\u603b\u7ecf\u7406<\/figcaption><\/figure>\n<p><em>\u201cJENOA \u4e3a\u5e02\u573a\u63d0\u4f9b\u4e86\u4e00\u4e9b\u65b0\u7684\u548c\u4e0d\u540c\u7684\u4e1c\u897f\u3002\u6211\u4eec\u6b63\u4ee5\u65b0\u7684\u89c6\u89d2\u6765\u770b\u5f85\u518d\u4fdd\u9669\uff0c\u540c\u65f6\u4e86\u89e3\u8fc7\u53bb\u4e00\u4e2a\u4e16\u7eaa\u8be5\u884c\u4e1a\u53d1\u5c55\u5386\u7a0b\u7684\u57fa\u672c\u60c5\u51b5\u3002<\/em><\/p>\n<p><em>\u968f\u7740\u6574\u4e2a\u4e16\u754c\u8d8a\u6765\u8d8a\u5feb\u5730\u62e5\u62b1\u6280\u672f\u548c\u6570\u5b57\u5316\uff0c\u6211\u4eec\u6b63\u5728\u5229\u7528\u8fd9\u79cd\u529b\u91cf\u4e3a\u5ba2\u6237\u63d0\u4f9b\u5c16\u7aef\u89e3\u51b3\u65b9\u6848\u3002<\/em><\/p>\n<p><em>\u8fd9\u79cd\u5bf9\u521b\u65b0\u7684\u5b9e\u529b\u548c\u627f\u8bfa\u8ba9\u6211\u4eec\u80fd\u591f\u7a81\u7834\u754c\u9650\uff0c\u4ee5\u8eab\u4f5c\u5219\uff0c\u9f13\u52b1\u5ba2\u6237\u5efa\u7acb\u5408\u9002\u7684\u4fdd\u9669\u548c\u98ce\u9669\u89e3\u51b3\u65b9\u6848\uff0c\u4f7f\u81ea\u5df1\u7684\u4f01\u4e1a\u84ec\u52c3\u53d1\u5c55<\/em>\u3002\u201dJENOA \u9996\u5e2d\u6267\u884c\u5b98 Mahboob Khan \u6307\u51fa\u3002<\/p>\n<p>\u4fdd\u9669\u4e1a\u5728\u51e0\u4e2a\u4e16\u7eaa\u524d\u5c31\u5f00\u59cb\u4e86\uff0c\u56e0\u4e3a\u5546\u4eba\u4eec\u53d1\u73b0\uff0c\u7531\u4e8e\u707e\u96be\u5bfc\u81f4\u7684\u4e00\u6279\u8d27\u7269\u635f\u5931\u53ef\u80fd\u4f1a\u6bc1\u6389\u4ed6\u4eec\u7684\u751f\u610f\u3002\u540c\u6837\u7684\u98ce\u9669\u4e0e\u524d\u671f\u6210\u672c\u7684\u5e73\u8861\u4e5f\u5c06\u652f\u6491\u672a\u6765\u7684\u4fdd\u9669\u79d1\u6280\u4ea7\u54c1\uff0c\u5c3d\u7ba1\u8fd9\u4e9b\u4fdd\u9669\u7684\u5206\u9500\u548c\u9500\u552e\u65b9\u5f0f\u4f1a\u968f\u7740\u6280\u672f\u7684\u53d1\u5c55\u800c\u4e0d\u65ad\u53d8\u5316\u3002\u6211\u4eec\u671f\u5f85\u7740\u4e0e\u5b89\u5229\u6377\u91d1\u878d\u516c\u53f8\u4e00\u8d77\u53c2\u4e0e\u8fd9\u6bb5\u65c5\u7a0b\u3002<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.accenture.com\/ae-en\/insights\/insurance\/rise-insurtech\">https:\/\/www.accenture.com\/ae-en\/insights\/insurance\/rise-insurtech<\/a><\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/www.willistowerswatson.com\/en-GB\/Insights\/2021\/01\/quarterly-insurtech-briefing-q4-2020\">https:\/\/www.willistowerswatson.com\/en-GB\/Insights\/2021\/01\/quarterly-insurtech-briefing-q4-2020<\/a><\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/home.kpmg\/xx\/en\/home\/insights\/2019\/02\/insurtech-10-auto-insurance-disruption-coming-but-director-not-clear-fs.html\">https:\/\/home.kpmg\/xx\/en\/home\/insights\/2019\/02\/insurtech-10-auto-insurance-disruption-coming-but-director-not-clear-fs.html<\/a><\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/ec.europa.eu\/eurostat\/statistics-explained\/index.php\/Household_composition_statistics\">https:\/\/ec.europa.eu\/eurostat\/statistics-explained\/index.php\/Household_composition_statistics<\/a><\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.accenture.com\/ae-en\/insights\/insurance\/rise-insurtech\">https:\/\/www.accenture.com\/ae-en\/insights\/insurance\/rise-insurtech<\/a><\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a><a href=\"https:\/\/www.insurancebusinessmag.com\/uk\/news\/breaking-news\/zurich-innovation-in-insurance-requires-the-right-mindset-173554.aspx\">\u82cf\u9ece\u4e16\uff1a\u4fdd\u9669\u521b\u65b0\u9700\u8981\u201c\u6b63\u786e\u7684\u601d\u7ef4\u6a21\u5f0f\u201d| \u4fdd\u9669\u4e1a\u52a1 (insurancebusinessmag.com)<\/a><\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"https:\/\/www.democrance.com\/axa-and-democrance-expand-inclusive-insurance-to-customers-globally\/\">AXA \u548c Democrance \u5c06\u666e\u60e0\u578b\u4fdd\u9669\u6269\u5c55\u5230\u5168\u7403\u5ba2\u6237<\/a>\uff0c2020 \u5e74 5 \u6708 18 \u65e5<\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"https:\/\/iireporter.com\/polands-pzu-uses-tractable-ai-to-analyze-auto-damage\/\">\u6ce2\u5170 PZU \u4f7f\u7528 Tractable AI \u5206\u6790\u6c7d\u8f66\u635f\u574f | Insurance Innovation Reporter (iireporter.com)<\/a><\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www2.deloitte.com\/xe\/en\/insights\/industry\/financial-services\/financial-services-industry-outlooks\/insurance-industry-outlook.html\">\u5fb7\u52e4 2021 \u5e74\u4fdd\u9669\u884c\u4e1a\u5c55\u671b<\/a><\/p>\n","protected":false},"author":18,"featured_media":87946,"template":"","tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u4e3a\u672a\u6765\u6295\u8d2d\u4fdd\u9669 | Abdul Latif Jameel \u00ae<\/title>\n<meta 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