{"id":10341,"date":"2021-03-01T15:51:00","date_gmt":"2021-03-01T15:51:00","guid":{"rendered":"https:\/\/www.blue.com.hk\/wp\/?p=10341"},"modified":"2025-12-15T08:01:35","modified_gmt":"2025-12-15T08:01:35","slug":"covid-and-insurance-digitalization","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/covid-and-insurance-digitalization","title":{"rendered":"\u75ab\u60c5\u6210\u4fdd\u96aa\u670d\u52d9\u6578\u78bc\u5316\u50ac\u5316\u5291"},"content":{"rendered":"\n<p>2019\u51a0\u72c0\u75c5\u6bd2\u75c5\uff08COVID-19\uff09\u4f86\u52e2\u6d36\u6d36\uff0c\u5e7e\u4e4e\u7671\u7613\u5168\u7403\u5546\u696d\u6d3b\u52d5\uff0c\u56b4\u91cd\u6253\u64ca\u7d93\u6fdf\uff0c\u540c\u6642\u4ea6\u6539\u8b8a\u4e86\u5e02\u6c11\u7684\u751f\u6d3b\u3001\u793e\u4ea4\u7fd2\u6163\u53ca\u6d88\u8cbb\u6a21\u5f0f\uff0c\u7531\u5be6\u9ad4\u8f49\u79fb\u81f3\u7db2\u4e0a\u3002\u9019\u7a2e\u8f49\u8b8a\u4ee4\u50b3\u7d71\u884c\u696d\u751f\u614b\u9762\u81e8\u4e00\u6b21\u5168\u9762\u7684\u300c\u5927\u6d17\u724c\u300d\uff0c\u662f\u6b21\u75ab\u75c7\u6b63\u4fc3\u9032\u5404\u884c\u5404\u696d\u6578\u78bc\u5316\u7684\u6b65\u4f10\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u9a45\u4f7f\u6d88\u8cbb\u8005\u5617\u8a66\u7db2\u4e0a\u670d\u52d9<\/h2>\n\n\n\n<p>\u56de\u9867\u904e\u53bb\u77ed\u77ed\u5e7e\u500b\u6708\u6642\u9593\uff0c\u6211\u5011\u7684\u751f\u6d3b\u8d77\u4e86\u7ffb\u5929\u8986\u5730\u7684\u8b8a\u5316\uff0c\u800c\u6d88\u8cbb\u8005\u7684\u671f\u671b\u4ea6\u6709\u6240\u8f49\u8b8a\u3002\u6839\u64da\u9ea5\u80af\u932b\uff08Mckinsey\uff09\u4e00\u9805\u6709\u95dc\u4e2d\u570b\u6d88\u8cbb\u8005\u7684\u8abf\u67e5\u986f\u793a\uff0c\u5728\u793e\u4ea4\u9694\u96e2\u4e0b\uff0c\u66f4\u591a\u6d88\u8cbb\u8005\u50be\u5411\u7db2\u4e0a\u700f\u89bd\u53ca\u8cfc\u7269\uff0c\u5728\u4e00\u7cfb\u5217\u6d88\u8cbb\u54c1\u4e2d\uff0c\u7db2\u8cfc\u7684\u589e\u9577\u7387\u905415\u81f330%\uff1b\u800c\u8a31\u591a\u54c1\u724c\u70ba\u4e86\u914d\u5408\u9019\u80a1\u65b0\u8da8\u52e2\uff0c\u66f4\u52a0\u5927\u4e86\u5c0d\u793e\u4ea4\u5a92\u9ad4\u3001\u96fb\u5b50\u5546\u52d9\u53caO2O\u7684\u76f8\u95dc\u6295\u8cc7\u3002<\/p>\n\n\n\n<p>\u8207\u6b64\u540c\u6642\uff0c\u9867\u554f\u516c\u53f8\u5b89\u6c38\u7684EY Future Consumer Index\u4ea6\u6307\u6d88\u8cbb\u8005\u66f4\u70ba\u91cd\u8996\u500b\u4eba\u7684\u6d88\u8cbb\u9078\u64c7\u662f\u5426\u7269\u6709\u6240\u503c\uff0c\u4ee5\u53ca\u5c0d\u793e\u6703\u7684\u5f71\u97ff\uff0c\u9019\u610f\u5473\u8457\u5c07\u5e36\u52d5\u5e02\u5834\u5c0d\u900f\u660e\u5ea6\u548c\u4f9b\u61c9\u93c8\u53ef\u8ffd\u6eaf\u6027\u7684\u9700\u6c42\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ee5\u5ba2\u70ba\u672c\u9ad4\u73fe\u81ea\u4e3b\u6b0a<\/h2>\n\n\n\n<p>\u7121\u53ef\u5426\u8a8d\uff0c\u75ab\u60c5\u6253\u6483\u591a\u500b\u884c\u696d\uff0c\u4f46\u540c\u6642\u4ea6\u7522\u751f\u65b0\u7684\u6a5f\u9047\uff0c\u7336\u5982\u50ac\u5316\u5291\u822c\u52a0\u5feb\u884c\u696d\u6578\u78bc\u8f49\u578b\u3002\u5c0d\u4fdd\u96aa\u696d\u800c\u8a00\uff0c\u9762\u524d\u65e2\u662f\u8271\u8f9b\u6311\u6230\u4ea6\u4f34\u96a8\u65b0\u7684\u6a5f\u9047\uff0c\u540c\u6642\u4ea6\u986f\u9732\u672a\u4f86\u7684\u4e09\u5927\u767c\u5c55\u65b9\u5411\u3002<\/p>\n\n\n\n<p>\u4e00\u662f\u9019\u5834\u7a81\u5982\u5176\u4f86\u7684\u75ab\u60c5\u63ed\u793a\u4e86\u5e02\u6c11\u7684\u751f\u6d3b\u7fd2\u6163\u3001\u4fdd\u969c\u9700\u8981\u4ee5\u81f3\u8ca1\u52d9\u72c0\u6cc1\uff0c\u80fd\u5920\u5728\u77ed\u6642\u9593\u5167\u6025\u901f\u6539\u8b8a\uff0c\u9019\u53cd\u6620\u4fdd\u96aa\u670d\u52d9\u8207\u7522\u54c1\u7684\u9748\u6d3b\u6027\u5341\u5206\u91cd\u8981\uff0c\u800c\u672a\u4f86\u4eba\u5de5\u667a\u80fd\u79d1\u6280\u7684\u767c\u5c55\u5c07\u53ef\u63a8\u52d5\u7522\u54c1\u500b\u4eba\u5316\u53ca\u81ea\u52d5\u5316\u3002\u5176\u4e8c\uff0c\u96a8\u8457\u66f4\u591a\u4eba\u9858\u610f\u5617\u8a66\u53ca\u9069\u61c9\u7db2\u4e0a\u670d\u52d9\uff0c\u7c21\u55ae\u6613\u7528\u53ca\u66f4\u4eba\u6027\u5316\u7684\u6295\u4fdd\u5e73\u53f0\u53ca\u7522\u54c1\uff0c\u6709\u52a9\u722d\u53d6\u66f4\u591a\u6f5b\u5728\u5ba2\u6236\u3002\u4e09\u662f\u5ba2\u6236\u5c0d\u7522\u54c1\u7684\u6bd4\u8f03\u53ca\u5206\u6790\u80fd\u529b\u5df2\u5927\u5e45\u63d0\u5347\uff0c\u4fdd\u96aa\u92b7\u552e\u6a21\u5f0f\u7531\u9010\u6f38\u8b8a\u6210\u7531\u5ba2\u6236\u4e3b\u5c0e\uff0c\u56e0\u6b64\u4fdd\u96aa\u516c\u53f8\u4e5f\u8981\u61c9\u4f5c\u51fa\u914d\u5408\uff0c\u900f\u904e\u5168\u5929\u5019\u7684\u7db2\u4e0a\u670d\u52d9\u5e73\u53f0\u8b93\u5ba2\u6236\u53ef\u4ee5\u300c\u4e3b\u52d5\u51fa\u64ca\u300d\uff0c\u85c9\u6b64\u9ad4\u73fe\u81ea\u4e3b\u6b0a\u3002<\/p>\n\n\n\n<p>\u6709\u4e9b\u4fdd\u96aa\u516c\u53f8\u96d6\u7136\u5df2\u63a8\u51fa\u7db2\u4e0a\u5e73\u53f0\uff0c\u53ef\u662f\u4ecd\u7136\u6d89\u53ca\u5927\u91cf\u8907\u96dc\u7684\u7533\u8acb\uff0c\u800c\u50b3\u7d71\u4fdd\u96aa\u7522\u54c1\u4ea6\u6709\u4e0d\u5c11\u9650\u5236\uff0c\u4f7f\u5230\u5ba2\u6236\u9700\u82b1\u9577\u6642\u9593\u7814\u7a76\u7d30\u7bc0\uff0c\u964d\u4f4e\u7db2\u4e0a\u5e73\u53f0\u4ea4\u6613\u7684\u6548\u7387\u3002\u8981\u4f7f\u5230\u7db2\u4e0a\u5e73\u53f0\u767c\u63ee\u6700\u5927\u512a\u52e2\uff0c\u4fdd\u96aa\u516c\u53f8\u9664\u4e86\u9700\u8981\u8a2d\u8a08\u7c21\u55ae\u6613\u7528\u7684\u64cd\u4f5c\u754c\u9762\uff0c\u4ea6\u5fc5\u9808\u7814\u767c\u7c21\u55ae\u3001\u76f4\u63a5\u5230\u4f4d\u7684\u4fdd\u969c\u3002<\/p>\n\n\n\n<h2 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\u7d93\u6fdf\u4e00\u9031\u300b FinTech \u9818\u8896\u983b\u9053\uff0c \u7531 Blue\u884c\u653f\u7e3d\u88c1\u517c\u57f7\u884c\u8463\u4e8b\u5b54\u5fb7\u79cb\u5148\u751f\u64b0\u6587<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2019\u51a0\u72c0\u75c5\u6bd2\u75c5\uff08COVID-19\uff09\u4f86\u52e2\u6d36\u6d36\uff0c\u5e7e\u4e4e\u7671\u7613\u5168\u7403\u5546\u696d\u6d3b\u52d5\uff0c\u56b4\u91cd\u6253\u64ca\u7d93\u6fdf\uff0c\u540c\u6642\u4ea6\u6539\u8b8a\u4e86\u5e02\u6c11\u7684\u751f\u6d3b\u3001\u793e\u4ea4\u7fd2\u6163\u53ca\u6d88\u8cbb\u6a21\u5f0f\uff0c\u7531\u5be6\u9ad4\u8f49\u79fb\u81f3\u7db2\u4e0a\u3002\u9019\u7a2e\u8f49\u8b8a\u4ee4\u50b3\u7d71\u884c\u696d\u751f\u614b\u9762\u81e8\u4e00\u6b21\u5168\u9762\u7684\u300c\u5927\u6d17\u724c\u300d\uff0c\u662f\u6b21\u75ab\u75c7\u6b63\u4fc3\u9032\u5404\u884c\u5404\u696d\u6578\u78bc\u5316\u7684\u6b65\u4f10\u3002 \u9a45\u4f7f\u6d88\u8cbb\u8005\u5617\u8a66\u7db2\u4e0a\u670d\u52d9 \u56de\u9867\u904e\u53bb\u77ed\u77ed\u5e7e\u500b\u6708\u6642\u9593\uff0c\u6211\u5011\u7684\u751f\u6d3b\u8d77\u4e86\u7ffb\u5929\u8986\u5730\u7684\u8b8a\u5316\uff0c\u800c\u6d88\u8cbb\u8005\u7684\u671f\u671b\u4ea6\u6709\u6240\u8f49\u8b8a\u3002\u6839\u64da\u9ea5\u80af\u932b\uff08Mckinsey\uff09\u4e00\u9805\u6709\u95dc\u4e2d\u570b\u6d88\u8cbb\u8005\u7684\u8abf\u67e5\u986f\u793a\uff0c\u5728\u793e\u4ea4\u9694\u96e2\u4e0b\uff0c\u66f4\u591a\u6d88\u8cbb\u8005\u50be\u5411\u7db2\u4e0a\u700f\u89bd\u53ca\u8cfc\u7269\uff0c\u5728\u4e00\u7cfb\u5217\u6d88\u8cbb\u54c1\u4e2d\uff0c\u7db2\u8cfc\u7684\u589e\u9577\u7387\u905415\u81f330%\uff1b\u800c\u8a31\u591a\u54c1\u724c\u70ba\u4e86\u914d\u5408\u9019\u80a1\u65b0\u8da8\u52e2\uff0c\u66f4\u52a0\u5927\u4e86\u5c0d\u793e\u4ea4\u5a92\u9ad4\u3001\u96fb\u5b50\u5546\u52d9\u53caO2O\u7684\u76f8\u95dc\u6295\u8cc7\u3002 \u8207\u6b64\u540c\u6642\uff0c\u9867\u554f\u516c\u53f8\u5b89\u6c38\u7684EY Future Consumer Index\u4ea6\u6307\u6d88\u8cbb\u8005\u66f4\u70ba\u91cd\u8996\u500b\u4eba\u7684\u6d88\u8cbb\u9078\u64c7\u662f\u5426\u7269\u6709\u6240\u503c\uff0c\u4ee5\u53ca\u5c0d\u793e\u6703\u7684\u5f71\u97ff\uff0c\u9019\u610f\u5473\u8457\u5c07\u5e36\u52d5\u5e02\u5834\u5c0d\u900f\u660e\u5ea6\u548c\u4f9b\u61c9\u93c8\u53ef\u8ffd\u6eaf\u6027\u7684\u9700\u6c42\u3002 \u4ee5\u5ba2\u70ba\u672c\u9ad4\u73fe\u81ea\u4e3b\u6b0a \u7121\u53ef\u5426\u8a8d\uff0c\u75ab\u60c5\u6253\u6483\u591a\u500b\u884c\u696d\uff0c\u4f46\u540c\u6642\u4ea6\u7522\u751f\u65b0\u7684\u6a5f\u9047\uff0c\u7336\u5982\u50ac\u5316\u5291\u822c\u52a0\u5feb\u884c\u696d\u6578\u78bc\u8f49\u578b\u3002\u5c0d\u4fdd\u96aa\u696d\u800c\u8a00\uff0c\u9762\u524d\u65e2\u662f\u8271\u8f9b\u6311\u6230\u4ea6\u4f34\u96a8\u65b0\u7684\u6a5f\u9047\uff0c\u540c\u6642\u4ea6\u986f\u9732\u672a\u4f86\u7684\u4e09\u5927\u767c\u5c55\u65b9\u5411\u3002 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