{"id":10357,"date":"2021-03-01T16:24:00","date_gmt":"2021-03-01T16:24:00","guid":{"rendered":"https:\/\/www.blue.com.hk\/wp\/?p=10357"},"modified":"2025-11-25T09:27:24","modified_gmt":"2025-11-25T09:27:24","slug":"insurtech-trend-2020","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/blue%e5%b0%88%e6%ac%84\/insurtech-trend-2020","title":{"rendered":"2020\u5e74\u4fdd\u96aa\u4e09\u5927\u8da8\u52e2"},"content":{"rendered":"\n

\u5728\u904e\u53bb\u591a\u5e74\uff0c\u4fdd\u96aa\u79d1\u6280(InsurTech) \u7684\u51fa\u73fe\u985b\u8986\u4e86\u50b3\u7d71\u4fdd\u96aa\u7684\u71df\u904b\u6a21\u5f0f\uff0c\u70ba\u884c\u696d\u53ca\u6d88\u8cbb\u8005\u5e36\u4f86\u5168\u9762\u6027\u7684\u6539\u8b8a\uff0c\u7576\u4e2d\u5305\u62ec\u7522\u54c1\u985e\u578b\u3001\u92b7\u552e\u6a21\u5f0f\u3001\u6838\u4fdd\u904e\u7a0b\u3001\u7406\u8ce0\u7a0b\u5e8f\u3001\u5ba2\u6236\u670d\u52d9\u4ee5\u81f3\u5f8c\u53f0\u64cd\u4f5c\u7b49\u3002<\/p>\n\n\n\n

2020\u5e74\u610f\u5473\u8457\u65b0\u4e00\u500b\u5e74\u4ee3\u7684\u958b\u59cb\uff0c\u4ea6\u662f\u5c55\u671b\u672a\u4f86\u7684\u597d\u6642\u6a5f\uff0c\u7b46\u8005\u9810\u671f\u4fdd\u96aa\u696d\u672a\u4f86\u7684\u767c\u5c55\u8da8\u52e2\u5c07\u6db5\u84cb\u4ee5\u4e0b\u4e09\u5927\u91cd\u9ede\u3002<\/p>\n\n\n\n

\u7db2\u4e0a\u4fdd\u96aa\u5c07\u6703\u8d8a\u8da8\u6210\u719f\uff0c\u5e02\u5834\u63a5\u7d0d\u7a0b\u5ea6\u5c07\u4e0d\u65b7\u4e0a\u5347<\/h2>\n\n\n\n

\u96a8\u8457\u793e\u6703\u8d8a\u52a0\u6578\u78bc\u5316\uff0c\u6d88\u8cbb\u8005\u5c0d\u5404\u985e\u79d1\u6280\u7684\u61c9\u7528\u66f4\u5f97\u5fc3\u61c9\u624b\uff0c\u7576\u4e2d\u5305\u62ec\u5c0d\u7db2\u4e0a\u4fdd\u96aa\u7684\u7406\u89e3\u548c\u64cd\u4f5c\u3002<\/p>\n\n\n\n

\u7b46\u8005\u516c\u53f8\u65bc2019\u5e748\u6708\u81f310\u6708\u59d4\u8a17\u7814\u7a76\u516c\u53f8\u9032\u884c\u300cBlue Customer CouncilTM\u300d\u8abf\u67e5\uff0c\u7d50\u679c\u986f\u793a\u8d85\u904e\u4e03\u6210\uff0872%\uff09\u5e74\u9f61\u4ecb\u4e4e24\u81f359\u6b72\u7684\u53d7\u8a2a\u80051\u8868\u793a\u6703\u5f9e\u7db2\u4e0a\u6e20\u9053\u6536\u96c6\u4fdd\u96aa\u8cc7\u8a0a\u3002\u8868\u793a\u6703\u8003\u616e\u65bc\u7db2\u4e0a\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u7684\u53d7\u8a2a\u8005\u4e2d\uff0c\u8fd1\u516b\u6210\uff0879%\uff09\u4eba\u58eb\u5177\u5927\u5b78\u6216\u4ee5\u4e0a\u6559\u80b2\u7a0b\u5ea6\uff1b\u8d85\u904e\u516d\u6210\uff0863%\uff09\u4eba\u58eb\u7684\u5bb6\u5ead\u6708\u5165\u70ba50,000\u6e2f\u5143\u6216\u4ee5\u4e0a\u3002<\/p>\n\n\n\n

\u6709\u95dc\u6578\u5b57\u53cd\u6620\u51fa\u7db2\u4e0a\u4fdd\u96aa\u6216\u5c07\u7531\u53d7\u904e\u5927\u5b78\u6559\u80b2\u6216\u9ad8\u6536\u5165\u4eba\u58eb\u7387\u5148\u63a5\u7d0d\uff0c\u518d\u9010\u6b65\u64f4\u5c55\u81f3\u5176\u4ed6\u7fa4\u7d44\uff0c\u800c\u5e02\u5834\u7684\u63a5\u7d0d\u7a0b\u5ea6\u4ea6\u5c07\u96a8\u4e4b\u589e\u52a0\u3002<\/p>\n\n\n\n

\u5e02\u5834\u4e0a\u4ee5\u5927\u6578\u64da(Big Data)\u53ca\u4eba\u5de5\u667a\u80fd(Artificial Intelligence)\u63a8\u52d5\u7684\u5fae\u578b\u4fdd\u96aa\uff08Microinsurance\uff09\u5c07\u9678\u7e8c\u51fa\u73fe<\/h2>\n\n\n\n

\u65b0\u7684\u98a8\u96aa\u7a2e\u985e\u8d8a\u8da8\u7e41\u591a\uff0c\u70ba\u4fdd\u96aa\u516c\u53f8\u5e36\u4f86\u66f4\u591a\u958b\u767c\u65b0\u985e\u578b\u5fae\u578b\u4fdd\u96aa\u7684\u6a5f\u6703\u3002<\/p>\n\n\n\n

\u5fae\u578b\u4fdd\u96aa\u4ee5\u8f03\u5be6\u60e0\u7684\u4fdd\u8cbb\uff0c\u91dd\u5c0d\u7279\u5b9a\u7684\u98a8\u96aa\u63d0\u4f9b\u4fdd\u969c\u3002\u9019\u985e\u7522\u54c1\u5728\u5176\u4ed6\u5e02\u5834\u5df2\u7d93\u9010\u6f38\u6210\u719f\uff0c\u4f8b\u5982\u5728\u4e2d\u570b\u5167\u5730\uff0c\u6709\u4e9b\u7522\u54c1\u4ee5\u5c0f\u984d\u4fdd\u8cbb\u63d0\u4f9b\u91dd\u5c0d\u6027\u4fdd\u969c\uff0c\u4f8b\u5982\u5973\u6027\u75be\u75c5\u3001\u5fae\u578b\u610f\u5916\u7b49\u3002<\/p>\n\n\n\n

\u6b64\u5916\uff0c\u4fdd\u96aa\u516c\u53f8\u4ea6\u53ef\u5229\u7528\u6578\u64da\u4e26\u914d\u5408\u4eba\u5de5\u667a\u80fd\uff0c\u6df1\u5165\u5730\u4e86\u89e3\u7528\u6236\uff0c\u63a8\u51fa\u500b\u4eba\u5316\u7522\u54c1\u53ca\u670d\u52d9\u3002\u6709\u4e9b\u4fdd\u96aa\u7522\u54c1\u4ea6\u53ef\u6309\u7528\u6236\u7684\u4f7f\u7528\u60c5\u6cc1\u5b9a\u50f9\uff08Usage-based pricing\uff09\uff0c\u7c21\u55ae\u800c\u8a00\uff0c\u4f7f\u7528\u7387\u6108\u9ad8\uff0c\u4fdd\u8cbb\u6108\u9ad8\uff1b\u4f7f\u7528\u7387\u6108\u4f4e\uff0c\u4fdd\u8cbb\u6108\u4f4e\u3002<\/p>\n\n\n\n

\u4ee5\u4fdd\u96aa\u79d1\u6280\u63a8\u52d5\u7684\u5fae\u578b\u4fdd\u96aa\u9700\u8981\u6578\u78bc\u5e73\u53f0\u7684\u914d\u5408\uff0c\u8b93\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u5168\u9762\u6536\u96c6\u53ca\u5206\u6790\u7528\u6236\u6578\u64da\uff0c\u4e26\u8b93\u7528\u6236\u96a8\u6642\u96a8\u5730\u7ba1\u7406\u4fdd\u96aa\u65b9\u6848\u3002\u96a8\u8457Blue\u7684\u7db2\u4e0a\u5e73\u53f0\u5c07\u6838\u5fc3\u7cfb\u7d71\u6210\u529f\u8f49\u79fb\u81f3\u96f2\u7aef\u57fa\u790e\u67b6\u69cb\uff0c\u6211\u5011\u5c07\u6709\u80fd\u529b\u652f\u63f4\u9019\u985e\u65b0\u578b\u7684\u4fdd\u96aa\u7522\u54c1\u3002<\/p>\n\n\n\n

\u8de8\u884c\u696d\u751f\u614b\u7cfb\u7d71 (Ecosystem)\u9010\u6f38\u6210\u5f62<\/h2>\n\n\n\n

\u5efa\u7acb\u8de8\u884c\u696d\u751f\u614b\u7cfb\u7d71\u610f\u5473\u8457\u8207\u4e0d\u540c\u7684\u884c\u696d\u5408\u4f5c\u3002\u6211\u5011\u8207\u79d1\u7db2\u5de8\u982d\u9a30\u8a0a\u53ca\u6295\u8cc7\u7ba1\u7406\u516c\u53f8\u9ad8\u74f4\u8cc7\u672c\u5408\u4f5c\u4fbf\u662f\u597d\u4f8b\u5b50\uff0c\u5408\u4f5c\u8b93\u6211\u5011\u5584\u7528\u5176\u79d1\u6280\u53ca\u751f\u614b\u7cfb\u7d71\uff1b\u800c\u6211\u5011\u8207\u9a30\u8a0a\u958b\u767c\u7684\u96f2\u7aef\u6838\u5fc3\u7cfb\u7d71\uff0c\u4ea6\u8b93\u5176\u4ed6\u65b0\u79d1\u6280\u53ef\u5728\u5e73\u53f0\u4e0a\u5feb\u901f\u61c9\u7528\uff0c\u6709\u52a9\u8207\u66f4\u591a\u884c\u696d\u878d\u5408\u3002<\/p>\n\n\n\n

\u5728\u672a\u4f86\uff0c\u516c\u773e\u3001\u79c1\u4eba\u4f01\u696d\u4ee5\u81f4\u653f\u5e9c\u5c07\u70ba\u751f\u614b\u7cfb\u7d71\u4e2d\u4e0d\u53ef\u6216\u7f3a\u7684\u53c3\u8207\u8005\u3002\u8209\u4f8b\u8aaa\uff0c\u672a\u4f86\u82e5\u53ef\u4ee5\u5728\u7d71\u4e00\u7684\u76e3\u7ba1\u548c\u7db2\u7d61\u5b89\u5168\u6846\u67b6\u4e0b\uff0c\u91dd\u5c0d\u4e0d\u540c\u7684\u7528\u6236\u60c5\u6cc1\u5206\u4eab\u6578\u64da\uff0c\u5c07\u6709\u52a9\u63a8\u52d5\u8de8\u884c\u696d\u6578\u64da\u751f\u614b\u7cfb\u7d71\u7684\u5f62\u6210\u3002<\/p>\n\n\n\n

\u793e\u6703\u6b63\u5728\u7d93\u6b77\u6025\u901f\u6578\u78bc\u8f49\u578b\u7684\u5e74\u4ee3\uff0c\u7b46\u8005\u6df1\u4fe1\u672a\u4f86\u5341\u5e74\u5c07\u6703\u662f\u9999\u6e2f\u4fdd\u96aa\u696d\u6025\u901f\u6f14\u8b8a\u7684\u4e00\u500b\u91cd\u8981\u5e74\u4ee3\u3002\u5c31\u5982\u7b46\u8005\u53bb\u5e74\u5e95\u5728\u9999\u6e2f\u91d1\u878d\u79d1\u6280\u9031\u5206\u4eab\u5230\uff0c\u4fdd\u96aa\u696d\u7684\u672a\u4f86\u5c07\u7531\u79d1\u6280\u5e36\u52d5\uff0c\u884c\u696d\u7684\u767c\u5c55\u5c07\u7531\u9867\u5ba2\u4e3b\u5c0e\u3002<\/p>\n\n\n\n

1. \u8abf\u67fb\u59d4\u8a17\u7814\u7a76\u516c\u53f8GfK\u9032\u884c\u8a2a\u554f\uff0c\u7576\u4e2d\u6709199\u540d24\u81f359\u6b72\uff0c\u5bb6\u5ead\u6708\u516530,000\u6e2f\u5143\u6216\u4ee5\u4e0a\u4e26\u8003\u616e\u65bc\u7db2\u4e0a\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u7684\u6d88\u8cbb\u8005\u3002<\/p>\n\n\n\n

\u6587\u7ae0\u520a\u65bc\u300a \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\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

\u5728\u904e\u53bb\u591a\u5e74\uff0c\u4fdd\u96aa\u79d1\u6280(InsurTech) \u7684\u51fa\u73fe\u985b\u8986\u4e86\u50b3\u7d71\u4fdd\u96aa\u7684\u71df\u904b\u6a21\u5f0f\uff0c\u70ba\u884c\u696d\u53ca\u6d88\u8cbb\u8005\u5e36\u4f86\u5168\u9762\u6027\u7684\u6539\u8b8a\uff0c\u7576\u4e2d\u5305\u62ec\u7522\u54c1\u985e\u578b\u3001\u92b7\u552e\u6a21\u5f0f\u3001\u6838\u4fdd\u904e\u7a0b\u3001\u7406\u8ce0\u7a0b\u5e8f\u3001\u5ba2\u6236\u670d\u52d9\u4ee5\u81f3\u5f8c\u53f0\u64cd\u4f5c\u7b49\u3002 2020\u5e74\u610f\u5473\u8457\u65b0\u4e00\u500b\u5e74\u4ee3\u7684\u958b\u59cb\uff0c\u4ea6\u662f\u5c55\u671b\u672a\u4f86\u7684\u597d\u6642\u6a5f\uff0c\u7b46\u8005\u9810\u671f\u4fdd\u96aa\u696d\u672a\u4f86\u7684\u767c\u5c55\u8da8\u52e2\u5c07\u6db5\u84cb\u4ee5\u4e0b\u4e09\u5927\u91cd\u9ede\u3002 \u7db2\u4e0a\u4fdd\u96aa\u5c07\u6703\u8d8a\u8da8\u6210\u719f\uff0c\u5e02\u5834\u63a5\u7d0d\u7a0b\u5ea6\u5c07\u4e0d\u65b7\u4e0a\u5347 \u96a8\u8457\u793e\u6703\u8d8a\u52a0\u6578\u78bc\u5316\uff0c\u6d88\u8cbb\u8005\u5c0d\u5404\u985e\u79d1\u6280\u7684\u61c9\u7528\u66f4\u5f97\u5fc3\u61c9\u624b\uff0c\u7576\u4e2d\u5305\u62ec\u5c0d\u7db2\u4e0a\u4fdd\u96aa\u7684\u7406\u89e3\u548c\u64cd\u4f5c\u3002 \u7b46\u8005\u516c\u53f8\u65bc2019\u5e748\u6708\u81f310\u6708\u59d4\u8a17\u7814\u7a76\u516c\u53f8\u9032\u884c\u300cBlue Customer CouncilTM\u300d\u8abf\u67e5\uff0c\u7d50\u679c\u986f\u793a\u8d85\u904e\u4e03\u6210\uff0872%\uff09\u5e74\u9f61\u4ecb\u4e4e24\u81f359\u6b72\u7684\u53d7\u8a2a\u80051\u8868\u793a\u6703\u5f9e\u7db2\u4e0a\u6e20\u9053\u6536\u96c6\u4fdd\u96aa\u8cc7\u8a0a\u3002\u8868\u793a\u6703\u8003\u616e\u65bc\u7db2\u4e0a\u8cfc\u8cb7\u4eba\u58fd\u4fdd\u96aa\u7684\u53d7\u8a2a\u8005\u4e2d\uff0c\u8fd1\u516b\u6210\uff0879%\uff09\u4eba\u58eb\u5177\u5927\u5b78\u6216\u4ee5\u4e0a\u6559\u80b2\u7a0b\u5ea6\uff1b\u8d85\u904e\u516d\u6210\uff0863%\uff09\u4eba\u58eb\u7684\u5bb6\u5ead\u6708\u5165\u70ba50,000\u6e2f\u5143\u6216\u4ee5\u4e0a\u3002 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