{"id":39212,"date":"2026-02-12T11:40:36","date_gmt":"2026-02-12T11:40:36","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/cybersecurity-insurance-market-mordor\/"},"modified":"2026-10-23T06:12:18","modified_gmt":"2026-10-22T21:12:18","slug":"cybersecurity-insurance-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/cybersecurity-insurance-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \uc0ac\uc774\ubc84\ubcf4\uc548 \ubcf4\ud5d8 \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2025\ub144 &#8211; 2030\ub144)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/cybersecurity-insurance-market-1749661968630-major-players.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/cybersecurity-insurance-market-size-image-1763710502031.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-0\">1. \uc11c\ub860<\/p>\n<ul>\n<li class=\"toc-level-2\">1.1 \uc5f0\uad6c \uac00\uc815 \ubc0f \uc2dc\uc7a5 \uc815\uc758<\/li>\n<li class=\"toc-level-2\">1.2 \uc5f0\uad6c \ubc94\uc704<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-1\">2. \uc5f0\uad6c \ubc29\ubc95\ub860<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-2\">3. \uc8fc\uc694 \uc694\uc57d<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-3\">4. \uc2dc\uc7a5 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">4.1 \uc2dc\uc7a5 \uac1c\uc694<\/li>\n<li class=\"toc-level-2\">4.2 \uc2dc\uc7a5 \ub3d9\uc778\n<ul>\n<li class=\"toc-level-3\">4.2.1 \ud074\ub77c\uc6b0\ub4dc \uc6b0\uc120 \ub514\uc9c0\ud138\ud654\ub85c \uc778\ud55c \uc0ac\uc774\ubc84 \uc190\uc2e4 \ub178\ucd9c \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.2 \uaddc\uc81c \uc758\ubb34 (GDPR, NY DFS, DORA, SEC \uaddc\uc815)\ub85c \uc778\ud55c \ucc45\uc784 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.3 \uc0ac\uc774\ubc84 \uc704\ud5d8 \uc815\ub7c9\ud654\uc5d0 \ub300\ud55c \uc774\uc0ac\ud68c \ucc28\uc6d0\uc758 \uc9d1\uc911<\/li>\n<li class=\"toc-level-3\">4.2.4 \uc911\uc18c\uae30\uc5c5(SME)\uc744 \uc704\ud55c \uc800\ube44\uc6a9 \ud30c\ub77c\uba54\ud2b8\ub9ad \ubcf4\ud5d8 \uc0c1\ud488 \ub4f1\uc7a5<\/li>\n<li class=\"toc-level-3\">4.2.5 \ubcf4\uc548 \uc11c\ube44\uc2a4\uc640 \ubcf4\ud5d8\uc744 \ubb36\ub294 &#8220;InsurSec&#8221; \ubaa8\ub378<\/li>\n<li class=\"toc-level-3\">4.2.6 \ud1a0\ud070\ud654\ub41c \uc0ac\uc774\ubc84 ILS\uac00 \uc0c8\ub85c\uc6b4 \uc5ed\ub7c9 \uc720\uce58<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.3 \uc2dc\uc7a5 \uc81c\uc57d\n<ul>\n<li class=\"toc-level-3\">4.3.1 \ubcf4\ud5d8 \uacc4\ub9ac \ub370\uc774\ud130 \ubd80\uc871 \ubc0f \ubaa8\ub378\ub9c1 \ubd88\ud655\uc2e4\uc131<\/li>\n<li class=\"toc-level-3\">4.3.2 \ub192\uc740 \ubcf4\ud5d8\ub8cc \ubc0f \uc790\uae30\ubd80\ub2f4\uae08 \uc218\uc900\uc774 \uc911\uc18c\uae30\uc5c5(SME)\uc744 \uc704\ucd95\uc2dc\ud0b4<\/li>\n<li class=\"toc-level-3\">4.3.3 \uacc4\uc57d\uc0c1 \uc804\uc7c1 \ubc0f \uc2dc\uc2a4\ud15c \uc704\ud5d8 \uc81c\uc678 \uc870\ud56d<\/li>\n<li class=\"toc-level-3\">4.3.4 \uc911\uc694 \uc778\ud504\ub77c \uc704\ud5d8\uc5d0 \ub300\ud55c \uc7ac\ubcf4\ud5d8 \uc5ed\ub7c9 \uc81c\ud55c<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.4 \uacf5\uae09\ub9dd \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">4.5 \uaddc\uc81c \ud658\uacbd \ubc0f \uc0b0\uc5c5 \uc9c0\uce68<\/li>\n<li class=\"toc-level-2\">4.6 \uae30\uc220 \uc804\ub9dd (AI \uc778\uc218, CAT \ubaa8\ub378, \ube14\ub85d\uccb4\uc778 \ud30c\ub77c\uba54\ud2b8\ub9ad)<\/li>\n<li class=\"toc-level-2\">4.7 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778 \ubd84\uc11d\n<ul>\n<li class=\"toc-level-3\">4.7.1 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.2 \uad6c\ub9e4\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.3 \uacf5\uae09\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.4 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.5 \uacbd\uc7c1 \uac15\ub3c4<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.8 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uac70\uc2dc \uacbd\uc81c \ub3d9\ud5a5 \ud3c9\uac00<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-4\">5. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc608\uce21 (\uac00\uce58)<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \ubcf4\uc7a5 \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \uc790\uc0ac \ubcf4\uc7a5<\/li>\n<li class=\"toc-level-3\">5.1.2 \uc81c3\uc790 \ubc30\uc0c1 \ucc45\uc784<\/li>\n<li class=\"toc-level-3\">5.1.3 \ubc88\ub4e4\/\ud558\uc774\ube0c\ub9ac\ub4dc<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \ubcf4\ud5d8 \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \ub3c5\ub9bd\ud615 \uc0ac\uc774\ubc84<\/li>\n<li class=\"toc-level-3\">5.2.2 \ud328\ud0a4\uc9c0\/\ubc30\uc11c<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \uc870\uc9c1 \uaddc\ubaa8\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uc911\uc18c\uae30\uc5c5 (SMEs)<\/li>\n<li class=\"toc-level-3\">5.3.2 \ub300\uae30\uc5c5<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 BFSI<\/li>\n<li class=\"toc-level-3\">5.4.2 \uc758\ub8cc<\/li>\n<li class=\"toc-level-3\">5.4.3 \uc18c\ub9e4 \ubc0f \uc804\uc790\uc0c1\uac70\ub798<\/li>\n<li class=\"toc-level-3\">5.4.4 IT \ubc0f \ud1b5\uc2e0<\/li>\n<li class=\"toc-level-3\">5.4.5 \uc81c\uc870<\/li>\n<li class=\"toc-level-3\">5.4.6 \uc815\ubd80 \ubc0f \uacf5\uacf5 \ubd80\ubb38<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.5 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.5.1 \ubd81\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.1.1 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.1.2 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.5.1.3 \uba55\uc2dc\ucf54<\/li>\n<li class=\"toc-level-3\">5.5.2 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.5.2.2 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.5.2.3 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.3 \uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.5.3.1 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.3.2 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.5.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.5.3.4 \uc2a4\uc6e8\ub374<\/li>\n<li class=\"toc-level-4\">5.5.3.5 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-4\">5.5.4.1 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.4.2 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.5.4.3 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.5.4.4 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.5.4.5 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.4.6 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.5.5.1 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.5.5.2 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-4\">5.5.5.3 \ud280\ub974\ud0a4\uc608<\/li>\n<li class=\"toc-level-4\">5.5.5.4 \ub0a8\uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.5.5.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-5\">6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">6.1 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4<\/li>\n<li class=\"toc-level-2\">6.2 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784<\/li>\n<li class=\"toc-level-2\">6.3 \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">6.4 \uae30\uc5c5 \ud504\ub85c\ud544 (\uae00\ub85c\ubc8c \uac1c\uc694, \uc2dc\uc7a5 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc7ac\ubb34 \uc815\ubcf4(\uac00\ub2a5\ud55c \uacbd\uc6b0), \uc804\ub7b5 \uc815\ubcf4, \uc8fc\uc694 \uae30\uc5c5 \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.4.1 American International Group (AIG)<\/li>\n<li class=\"toc-level-3\">6.4.2 Chubb<\/li>\n<li class=\"toc-level-3\">6.4.3 Zurich<\/li>\n<li class=\"toc-level-3\">6.4.4 AXA XL<\/li>\n<li class=\"toc-level-3\">6.4.5 Allianz (AGCS)<\/li>\n<li class=\"toc-level-3\">6.4.6 Beazley<\/li>\n<li class=\"toc-level-3\">6.4.7 Munich Re<\/li>\n<li class=\"toc-level-3\">6.4.8 Berkshire Hathaway<\/li>\n<li class=\"toc-level-3\">6.4.9 Travelers<\/li>\n<li class=\"toc-level-3\">6.4.10 CNA<\/li>\n<li class=\"toc-level-3\">6.4.11 Hiscox<\/li>\n<li class=\"toc-level-3\">6.4.12 AXIS Capital<\/li>\n<li class=\"toc-level-3\">6.4.13 Tokio Marine<\/li>\n<li class=\"toc-level-3\">6.4.14 Sompo<\/li>\n<li class=\"toc-level-3\">6.4.15 Aon<\/li>\n<li class=\"toc-level-3\">6.4.16 Marsh McLennan<\/li>\n<li class=\"toc-level-3\">6.4.17 Lockton<\/li>\n<li class=\"toc-level-3\">6.4.18 Insureon<\/li>\n<li class=\"toc-level-3\">6.4.19 Coalition<\/li>\n<li class=\"toc-level-3\">6.4.20 SecurityScorecard<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-6\">7. \uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \uc804\ub9dd<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc0ac\uc774\ubc84 \ubcf4\uc548 \ubcf4\ud5d8 \uc2dc\uc7a5 \uac1c\uc694 (2025-2030)<\/p>\n<p># 1. \uc2dc\uc7a5 \uac1c\uc694 \ubc0f \uc8fc\uc694 \uc218\uce58<\/p>\n<p>\uc0ac\uc774\ubc84 \ubcf4\uc548 \ubcf4\ud5d8 \uc2dc\uc7a5\uc740 2025\ub144 204.2\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2030\ub144\uc5d0\ub294 405.5\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub418\uba70, 2025\ub144\ubd80\ud130 2030\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR) 14.70%\ub97c \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc5f0\uad6c \uae30\uac04\uc740 2019\ub144\ubd80\ud130 2030\ub144\uae4c\uc9c0\uc774\uba70, \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5\uc740 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774\uace0, \uac00\uc7a5 \ud070 \uc2dc\uc7a5\uc740 \ubd81\ubbf8 \uc9c0\uc5ed\uc785\ub2c8\ub2e4. \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\ub294 \uc911\uac04 \uc218\uc900\uc73c\ub85c \ud3c9\uac00\ub429\ub2c8\ub2e4. \uc8fc\uc694 \uae30\uc5c5\uc73c\ub85c\ub294 Chubb Corporation, AXA XL, Beazley, Allianz (AGCS), AIG \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uac15\ub825\ud55c \uc218\uc694\ub294 EU\uc758 \ub514\uc9c0\ud138 \uc6b4\uc601 \ubcf5\uc6d0\ub825 \ubc95(DORA) \ubc0f \ubbf8\uad6d \uc99d\uad8c\uac70\ub798\uc704\uc6d0\ud68c(SEC)\uc758 4\uc77c \uacf5\uc2dc \uaddc\uc815\uacfc \uac19\uc740 \uaddc\uc81c \uc758\ubb34\uc5d0\uc11c \ube44\ub86f\ub429\ub2c8\ub2e4. \uc774 \uaddc\uc81c\ub4e4\uc740 \uae30\uc5c5\ub4e4\uc774 \ubc8c\uae08 \ubc0f \uc6b4\uc601 \uc190\uc2e4\uc5d0 \ub300\ube44\ud55c \uc7ac\ubb34\uc81c\ud45c \ubcf4\ud638\ub97c \uac15\ud654\ud558\ub3c4\ub85d \uc720\ub3c4\ud569\ub2c8\ub2e4. \ub610\ud55c, 11\ucd08\ub9c8\ub2e4 \ubc1c\uc0dd\ud558\ub294 \ub79c\uc12c\uc6e8\uc5b4 \uacf5\uaca9\uc758 \uae09\uc99d, \uc774\uc0ac\ud68c \ucc28\uc6d0\uc758 \uc815\ub7c9\ud654\ub41c \uc0ac\uc774\ubc84 \uc704\ud5d8 \uce21\uc815 \uc694\uad6c, \uc911\uc18c\uae30\uc5c5(SME)\uc744 \uc704\ud55c \uccad\uad6c \ucc98\ub9ac \uc2dc\uac04\uc744 \ub2e8\ucd95\ud558\ub294 \uc0c8\ub85c\uc6b4 \ud30c\ub77c\uba54\ud2b8\ub9ad \uc0c1\ud488 \ucd9c\uc2dc \ub4f1\uc774 \uc2dc\uc7a5 \uc131\uc7a5\uc5d0 \ucd94\uac00\uc801\uc778 \ub3d9\ub825\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc774\ube0c\ub9ac\ub4dc \ubc0f \ub2e4\uc911 \uacf5\uae09\uc5c5\uccb4 \uc544\ud0a4\ud14d\ucc98\ub97c \ud3ec\ud568\ud55c \ud074\ub77c\uc6b0\ub4dc \uc758\uc874\ub3c4 \uc99d\uac00\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ub204\uc801 \uc704\ud5d8 \ud1b5\uc81c\ub97c \uc815\uad50\ud654\ud558\ub3c4\ub85d \uac15\uc81c\ud558\uba70, \ud22c\uc790\uc790\ub4e4\uc740 \uc0c8\ub85c\uc6b4 \uc790\ubcf8\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574 \ud1a0\ud070\ud654\ub41c \uc0ac\uc774\ubc84 \ubcf4\ud5d8 \uc5f0\uacc4 \uc99d\uad8c(ILS)\uc744 \uc2e4\ud5d8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p># 2. \uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\ud5a5 \ubc0f \ud1b5\ucc30\ub825<\/p>\n<p>\uac00. \uc2dc\uc7a5 \uc131\uc7a5 \ub3d9\ub825<\/p>\n<p>*   \ud074\ub77c\uc6b0\ub4dc \uc6b0\uc120 \ub514\uc9c0\ud138\ud654\ub85c \uc778\ud55c \uc0ac\uc774\ubc84 \uc190\uc2e4 \ub178\ucd9c \uc99d\uac00: \ud074\ub77c\uc6b0\ub4dc \uc544\ud0a4\ud14d\ucc98\ub85c\uc758 \uc804\ud658\uc740 \uacf5\uaca9 \ud45c\uba74\uc744 \ub113\ud788\uace0 \uc2dc\uc2a4\ud15c \uc911\ub2e8 \uc704\ud5d8\uc744 \uc99d\ud3ed\uc2dc\ud0b5\ub2c8\ub2e4. 2024\ub144 CrowdStrike \uc18c\ud504\ud2b8\uc6e8\uc5b4 \uc7a5\uc560\ub294 54\uc5b5 \ub2ec\ub7ec\uc758 \uacbd\uc81c\uc801 \uc190\uc2e4\uc744 \ubc1c\uc0dd\uc2dc\ud0a4\uba70 \ub2e8\uc77c \uacf5\uae09\uc5c5\uccb4 \uc911\ub2e8\uc774 \uc218\ucc9c \uac74\uc758 \ub3d9\uc2dc \uccad\uad6c\ub97c \uc720\ubc1c\ud560 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc8fc\uc5c8\uc2b5\ub2c8\ub2e4. \ud558\uc774\ube0c\ub9ac\ub4dc \ud658\uacbd\uc740 \ubcf5\uc7a1\uc131\uc744 \ub192\uc774\uba70, \uc758\ub8cc \ud074\ub77c\uc6b0\ub4dc \uc2dc\uc2a4\ud15c\uc5d0\uc11c\uc758 \uc778\uc801 \uc624\ub958 \uc0ac\uace0\ub294 13% \uc99d\uac00\ud558\uc5ec \ud574\ub2f9 \ubd80\ubb38 \uce68\ud574\uc758 58%\ub97c \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc774\uc81c \ubcf4\ud5d8 \uac00\uc785 \uc804\uc5d0 \ub2e4\ub2e8\uacc4 \uc778\uc99d \ubc0f \uac15\ud654\ub41c \uad6c\uc131 \uc99d\uba85\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4.<br \/>\n*   \uaddc\uc81c \uc758\ubb34 \uac15\ud654\ub85c \uc778\ud55c \ucc45\uc784 \uc99d\uac00: EU\uc758 DORA\ub294 EU \uae08\uc735 \uae30\uad00\uc5d0 \uc911\ub300\ud55c \uc0ac\uc774\ubc84 \uc0ac\uace0\ub97c 4\uc2dc\uac04 \uc774\ub0b4\uc5d0 \ubcf4\uace0\ud558\ub3c4\ub85d \uc758\ubb34\ud654\ud558\uba70, \ubbf8\uad6d SEC\ub294 \ubbf8\uad6d \uc0c1\uc7a5 \uae30\uc5c5\uc5d0 4\uc77c \uc774\ub0b4 \uacf5\uc2dc\ub97c \uaddc\uc815\ud558\uc5ec \ub2e4\uad6d\uc801 \uae30\uc5c5\uc5d0 \uc774\uc911 \uc758\ubb34\ub97c \ubd80\uacfc\ud569\ub2c8\ub2e4. \uc720\ub7fd \uc740\ud589\uc5d0 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \ube44EU \uacf5\uae09\uc5c5\uccb4\ub3c4 \uaddc\uc815\uc744 \uc900\uc218\ud574\uc57c \ud558\ubbc0\ub85c \ubcf4\uc7a5 \ub300\uc0c1\uc774 \ud655\ub300\ub429\ub2c8\ub2e4. \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74\uc5d0\uc11c\ub3c4 \uc720\uc0ac\ud55c \ucd94\uc138\uac00 \ub098\ud0c0\ub098\uba70, \ub0b4\ubd80 \uac10\uc0ac \ub9ac\ub354\uc758 75%\uac00 \uc0ac\uc774\ubc84 \uc704\ud5d8\uc744 \uaddc\uc81c \uac10\ub3c5 \uac15\ud654\ub85c \uc778\ud55c \ucd5c\uace0 \uc704\ud5d8\uc73c\ub85c \uaf3d\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ubcf5\uad6c \ube44\uc6a9 \ubc0f \uc9c0\uc18d\uc801\uc778 \uaddc\uc81c \uc900\uc218 \ubaa8\ub2c8\ud130\ub9c1\uc744 \uc704\ud55c \ud655\uc7a5 \ubcf4\uc7a5\uc744 \ucd94\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc774\uc0ac\ud68c \ucc28\uc6d0\uc758 \uc0ac\uc774\ubc84 \uc704\ud5d8 \uc815\ub7c9\ud654 \uc9d1\uc911: \uc8fc\uc8fc \uac00\uce58 \uc704\ud5d8\uc774 \uc0ac\uc774\ubc84 \ub17c\uc758\ub97c \uc774\uc0ac\ud68c \uc218\uc900\uc73c\ub85c \ub04c\uc5b4\uc62c\ub838\uc2b5\ub2c8\ub2e4. \uae30\uc5c5\ub4e4\uc740 AI \uae30\ubc18 \uc815\ub7c9\ud654 \ub3c4\uad6c\ub97c \ubc30\ud3ec\ud558\uc5ec \uc7ac\uc815\uc801 \ub178\ucd9c\uc744 \ud30c\uc545\ud558\uace0, \uc190\uc2e4 \ubd84\ud3ec \ubaa8\ub378\uc5d0 \ub9de\ucdb0 \ud55c\ub3c4 \ubc0f \uc790\uae30\ubd80\ub2f4\uae08\uc744 \uc870\uc815\ud569\ub2c8\ub2e4. \ub300\uaddc\ubaa8 \uad6c\ub9e4\uc790\ub4e4\uc740 \uc0c1\uc5c5 \ubcf4\ud5d8 \uc678\uc5d0 \ucea1\ud2f0\ube0c \ubcf4\ud5d8 \ubc0f \ub300\uccb4 \uc704\ud5d8 \uc804\uac00(ART)\ub97c \ud1b5\ud574 \uc720\uc5f0\uc131\uc744 \ud655\ubcf4\ud558\uba70, \uc774\ub294 \uc138\ubd84\ud654\ub41c \uc5b8\ub354\ub77c\uc774\ud305\uc744 \uc9c0\uc6d0\ud558\uace0 \uacac\uc801-\uacc4\uc57d \uc8fc\uae30\ub97c \uac00\uc18d\ud654\ud569\ub2c8\ub2e4.<br \/>\n*   \uc911\uc18c\uae30\uc5c5(SME)\uc744 \uc704\ud55c \uc800\ube44\uc6a9 \ud30c\ub77c\uba54\ud2b8\ub9ad \ubcf4\ud5d8 \uc0c1\ud488 \ub4f1\uc7a5: Descartes Underwriting\uc758 &#8216;Cyber Shutdown Cover&#8217;\ub294 \uc0ac\uc804 \uc124\uc815\ub41c \ub2e4\uc6b4\ud0c0\uc784 \uc784\uacc4\uce58\uc5d0 \ub530\ub77c 3\uc8fc \uc774\ub0b4\uc5d0 \ubcf4\ud5d8\uae08\uc744 \uc9c0\uae09\ud558\uc5ec \uc911\uc18c\uae30\uc5c5\uc758 \ud589\uc815 \ubd80\ub2f4\uc744 \uacbd\uac10\ud569\ub2c8\ub2e4. Swiss Re\uc758 &#8216;CyberSolution 360\u00b0&#8217;\ub294 10~250\uba85 \uaddc\ubaa8 \uae30\uc5c5\uc744 \ub300\uc0c1\uc73c\ub85c 24\/7 \ubaa8\ub2c8\ud130\ub9c1, \uc0ac\uace0 \ub300\uc751 \ubc0f \ubcf4\ud5d8\uc744 \ubc88\ub4e4\ub85c \uc81c\uacf5\ud558\uc5ec, \ud604\uc7ac 10%\uc5d0 \ubd88\uacfc\ud55c \uc911\uc18c\uae30\uc5c5 \ubcf4\ud5d8 \uac00\uc785\ub960 \uaca9\ucc28\ub97c \ud574\uc18c\ud569\ub2c8\ub2e4. Starpark\uc758 \uc5f0\uac04 20\ud30c\uc6b4\ub4dc \ubbf8\ub9cc\uc758 \ub9c8\uc774\ud06c\ub85c \ubcf4\ud5d8\uc740 \ub300\uc911\uc801 \ucc44\ud0dd\uc5d0 \uc801\ud569\ud55c \uac00\uaca9\ub300\ub97c \uc81c\uc2dc\ud569\ub2c8\ub2e4.<br \/>\n*   &#8220;\uc778\uc288\uc5b4\uc139(InsurSec)&#8221; \ubc88\ub4e4 \uc0c1\ud488: \ubcf4\uc548\uacfc \ubcf4\ud5d8\uc744 \uacb0\ud569\ud55c \uc0c1\ud488\uc774 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \ud655\uc0b0\ub418\uace0 \uc788\uc73c\uba70, \ubd81\ubbf8\uc5d0\uc11c \ucd08\uae30 \ucc44\ud0dd\uc774 \ud65c\ubc1c\ud569\ub2c8\ub2e4.<br \/>\n*   \ud1a0\ud070\ud654\ub41c \uc0ac\uc774\ubc84 \ubcf4\ud5d8 \uc5f0\uacc4 \uc99d\uad8c(ILS): \ubc84\ubba4\ub2e4 \ubc0f \ub7f0\ub358\uc758 \uc790\ubcf8 \uc2dc\uc7a5\uc5d0\uc11c \uc0c8\ub85c\uc6b4 \uc790\ubcf8 \uc870\ub2ec\uc744 \uc704\ud574 \ud1a0\ud070\ud654\ub41c \uc0ac\uc774\ubc84 ILS\ub97c \uc2e4\ud5d8 \uc911\uc785\ub2c8\ub2e4.<\/p>\n<p>\ub098. \uc2dc\uc7a5 \uc131\uc7a5 \uc800\ud574 \uc694\uc778<\/p>\n<p>*   \ubcf4\ud5d8 \uacc4\ub9ac \ub370\uc774\ud130 \ubd80\uc871 \ubc0f \ubaa8\ub378\ub9c1 \ubd88\ud655\uc2e4\uc131: \uc0ac\uc774\ubc84 \uc190\uc2e4\uc740 \uc790\uc5f0 \uc7ac\ud574\uc640 \uac19\uc740 \uc7a5\uae30 \uc2dc\uacc4\uc5f4 \ub370\uc774\ud130\uac00 \ubd80\uc871\ud558\uc5ec \uaf2c\ub9ac \uc704\ud5d8(tail-risk) \ubaa8\ub378\uc758 \uc2e0\ub8b0\uc131\uc744 \uc800\ud574\ud569\ub2c8\ub2e4. \uc0c1\uad00 \uad00\uacc4\uac00 \uc788\ub294 \uc0ac\uac74\ub4e4\uc740 \uac00\uaca9 \ucc45\uc815 \uc624\ub958\ub97c \uc99d\ud3ed\uc2dc\ud0a4\uba70, \uce68\ud574 \ubcf4\uace0\uac00 \uc81c\ud55c\uc801\uc778 \uc2e0\ud765 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \uc774\ub7ec\ud55c \uaca9\ucc28\uac00 \ub354\uc6b1 \uc2ec\uac01\ud569\ub2c8\ub2e4.<br \/>\n*   \uc911\uc18c\uae30\uc5c5(SME)\uc758 \ub192\uc740 \ubcf4\ud5d8\ub8cc \ubc0f \uc790\uae30\ubd80\ub2f4\uae08: \ub300\uae30\uc5c5\uc758 75%\uac00 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud55c \ubc18\uba74, \uc911\uc18c\uae30\uc5c5\uc740 25%\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4. \uc608\uc0b0 \uc81c\uc57d\uacfc \uc218\uc2ed\ub9cc \ub2ec\ub7ec\uc5d0 \ub2ec\ud558\ub294 \uc790\uae30\ubd80\ub2f4\uae08\uc774 \uac00\uc785\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\uc785\ub2c8\ub2e4. Coalition\uc758 &#8216;Active Insurance&#8217;\uc640 \uac19\uc740 \uae30\uc220 \ubaa8\ub378\uc740 \uc9c0\uc18d\uc801\uc778 \uc2a4\uce90\ub2dd \ubc0f \uacbd\uace0\ub97c \ud1b5\ud574 \uc190\uc2e4 \ube48\ub3c4\ub97c \ub0ae\ucd94\uace0 \ud569\ub9ac\uc801\uc778 \uac00\uaca9 \ucc45\uc815\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4.<br \/>\n*   \uc804\uc7c1 \ubc0f \uc2dc\uc2a4\ud15c \uc704\ud5d8 \uc81c\uc678 \uc870\ud56d: \ud2b9\ud788 \uc911\uc694 \uc778\ud504\ub77c \ubd84\uc57c\uc5d0\uc11c \uc804\uc7c1 \ubc0f \uc2dc\uc2a4\ud15c \uc704\ud5d8\uc5d0 \ub300\ud55c \uc81c\uc678 \uc870\ud56d\uc774 \uc874\uc7ac\ud558\uc5ec \ubcf4\uc7a5 \ubc94\uc704\uc5d0 \ub300\ud55c \ub17c\uc7c1\uc744 \uc57c\uae30\ud569\ub2c8\ub2e4.<br \/>\n*   \uc7ac\ubcf4\ud5d8 \uc5ed\ub7c9 \uc81c\ud55c: \uc120\uc9c4 \uc2dc\uc7a5\uc5d0\uc11c \uc7ac\ubcf4\ud5d8 \uc5ed\ub7c9\uc5d0 \ub300\ud55c \uc81c\ud55c\uc774 \uc874\uc7ac\ud558\uc5ec \uc2dc\uc7a5\uc758 \uae09\uaca9\ud55c \ubcc0\ud654\ub97c \uc800\ud574\ud569\ub2c8\ub2e4.<\/p>\n<p># 3. \uc138\uadf8\uba3c\ud2b8 \ubd84\uc11d<\/p>\n<p>\uac00. \ubcf4\uc7a5 \uc720\ud615\ubcc4<\/p>\n<p>2024\ub144 \uc81c1\uc790 \ubcf4\uc7a5\uc774 \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubcf4\ud5d8 \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 42.7%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, \uc774\ub294 \uc0ac\uc5c5 \uc911\ub2e8, \uc0ac\uace0 \ub300\uc751, \ub370\uc774\ud130 \ubcf5\uad6c \ube44\uc6a9 \uccad\uad6c\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc81c3\uc790 \ubc30\uc0c1 \ucc45\uc784\uc740 \uc18c\uc1a1 \ubc0f \uaddc\uc81c \ubc8c\uae08 \uc99d\uac00\ub85c 2030\ub144\uae4c\uc9c0 14.9%\uc758 CAGR\ub85c \uac00\uc18d\ud654\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc81c\uc870\uc5c5\uccb4\ub294 \uc6b4\uc601 \uc911\ub2e8 \ubc0f \ub2e4\uc6b4\uc2a4\ud2b8\ub9bc \uacf5\uae09\ub9dd \ucc45\uc784\uc5d0 \ub300\ud55c \ud63c\ud569 \uc815\ucc45\uc744 \uc810\uc810 \ub354 \ub9ce\uc774 \uc120\ud0dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc758\ub8cc \ubc0f \uc911\uc694 \uc778\ud504\ub77c \uad6c\ub9e4\uc790\ub4e4\uc740 \uc81c1\uc790 \ubc0f \uc81c3\uc790 \ubcf4\ud638\ub97c \uacb0\ud569\ud55c \ubc88\ub4e4 \ubcf4\uc7a5\uc744 \uc120\ud638\ud558\uba70, \ubcd1\uc6d0\ub4e4\uc740 HIPAA \uc704\ubc18 \ubc8c\uae08\uacfc \ub79c\uc12c\uc6e8\uc5b4 \uc9c0\ubd88 \ubcf4\uc0c1\uc744 \uacb0\ud569\ud55c \ud328\ud0a4\uc9c0\ub97c \uc120\ud638\ud569\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc81c3\uc790 IT \uacf5\uae09\uc5c5\uccb4\uc640 \uad00\ub828\ub41c \uc6b0\ubc1c\uc801 \uc0ac\uc5c5 \uc911\ub2e8(contingent business interruption) \uc0ac\uac74\uc5d0 \ub300\ud55c \ubcf4\uc7a5 \uba85\ud655\ud654\ub97c \uc704\ud574 \uc815\ucc45 \ubb38\uad6c\ub97c \uac1c\uc120\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub098. \ubcf4\ud5d8 \uc720\ud615\ubcc4<\/p>\n<p>\ub3c5\ub9bd\ud615 \uacc4\uc57d\uc740 2024\ub144 \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubcf4\ud5d8 \uc2dc\uc7a5 \uaddc\ubaa8\uc758 53.9%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70 15.4%\uc758 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc785\ub2c8\ub2e4. \uc774\ub294 \uae30\uc874 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8 \ud2b9\uc57d\uc774 \ub79c\uc12c\uc6e8\uc5b4, \ud074\ub77c\uc6b0\ub4dc \uc911\ub2e8, \uc0ac\ud68c \uacf5\ud559\uc801 \uacf5\uaca9 \ub4f1\uc758 \ud2b9\uc815 \ub9e4\uac1c\ubcc0\uc218\ub97c \ub2e4\ub8e8\uae30 \uc5b4\ub835\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ub3c5\ub9bd\ud615 \uc0c1\ud488\uc740 \uc138\ubd84\ud654\ub41c \uc2a4\uce90\ub2dd \ub370\uc774\ud130\uc640 \ub3d9\uc801 \ubcf4\uc7a5\uc744 \ud1b5\ud569\ud560 \uc218 \uc788\uc73c\uba70, \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc5b8\ub354\ub77c\uc774\ud305 \ubd07\uc744 \ud1b5\ud574 \uba87 \uc2dc\uac04 \ub0b4\uc5d0 \ucc98\ub9ac \uac00\ub2a5\ud569\ub2c8\ub2e4. \ud2b9\uc57d \uae30\ubc18 \uc194\ub8e8\uc158\uc740 \ud589\uc815\uc801 \ub2e8\uc21c\uc131\uc744 \uc6d0\ud558\ub294 \uc911\uacac \uae30\uc5c5 \uad6c\ub9e4\uc790\ub4e4\uc5d0\uac8c \uc5ec\uc804\ud788 \ub9e4\ub825\uc801\uc785\ub2c8\ub2e4. \ub3c5\ub9bd\ud615 \uc0c1\ud488\uc758 \uc720\uc5f0\uc131\uc740 \uc554\ud638\ud654\ud3d0 \ud0c8\ucde8(cryptojacking) \ubcf4\uc7a5 \ub610\ub294 \uc790\ubc1c\uc801 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc0c1\uacfc \uac19\uc740 \uc0c8\ub85c\uc6b4 \ucd94\uac00 \uae30\ub2a5\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4. At-Bay \ubc0f Cowbell\uacfc \uac19\uc740 \uc778\uc288\uc5b4\ud14c\ud06c \uae30\uc5c5\uc774 \ubc30\ud3ec\ud55c \uc790\ub3d9 \uacac\uc801 \uc2dc\uc2a4\ud15c\uc740 \uc720\ud1b5 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uace0 \uac00\uaca9 \uc815\ud655\ub3c4\ub97c \ub192\uc5ec \ub3c5\ub9bd\ud615 \ubaa8\ub378\uc758 \uc120\ub450\ub97c \uac15\ud654\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub2e4. \uae30\uc5c5 \uaddc\ubaa8\ubcc4<\/p>\n<p>\ub300\uae30\uc5c5\uc740 \uaddc\uc81c \uac10\ub3c5\uacfc \uacac\uace0\ud55c \uc608\uc0b0\uc73c\ub85c \uc778\ud574 2024\ub144 \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubcf4\ud5d8 \uc2dc\uc7a5\uc758 64.4%\ub97c \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc911\uc18c\uae30\uc5c5(SME)\uc758 \ucc44\ud0dd\ub960\uc774 15.1%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud30c\ub77c\uba54\ud2b8\ub9ad \ud2b8\ub9ac\uac70, \uac04\ud3b8\ud55c \uc628\ubcf4\ub529, \uc989\uac01\uc801\uc778 \uac00\uce58\ub97c \uc81c\uacf5\ud558\ub294 \ubaa8\ub2c8\ud130\ub9c1 \ub3c4\uad6c \ud1b5\ud569\uc5d0 \ud798\uc785\uc740 \ubc14 \ud07d\ub2c8\ub2e4. \uc2f1\uac00\ud3ec\ub974\uc640 \ud504\ub791\uc2a4\uc758 \uc815\ubd80 \uc9c0\uc6d0 \ubc14\uc6b0\ucc98 \uc81c\ub3c4\ub294 \uc18c\uaddc\ubaa8 \uae30\uc5c5\uc758 \ubcf4\ud5d8\ub8cc\ub97c \ubcf4\uc870\ud558\uc5ec \ubcf4\ud638 \uaca9\ucc28\ub97c \ub354\uc6b1 \uc904\uc785\ub2c8\ub2e4. \uc778\uc288\uc5b4\uc139(InsurSec) \ubc88\ub4e4\uc740 \uc911\uc18c\uae30\uc5c5\uc5d0 \uc5d4\ub4dc\ud3ec\uc778\ud2b8 \ud0d0\uc9c0 \ubc0f \ubcf4\ud5d8 \ubc31\uc2a4\ud1b1\uc744 \ub2e8\uc77c \uad6c\ub3c5 \ud615\ud0dc\ub85c \uc81c\uacf5\ud558\uc5ec \ubcf5\uc7a1\uc131\uc744 \ub0ae\ucda5\ub2c8\ub2e4. \ub300\uae30\uc5c5\uc758 \uacbd\uc6b0, \ucea1\ud2f0\ube0c \ubcf4\ud5d8 \ubc0f \uc0ac\uc774\ubc84 \uc7ac\ub09c \ucc44\uad8c\uc740 \uc704\ud5d8 \uc804\uac00\ub97c \ub2e4\uac01\ud654\ud558\uace0 \ubcf4\ud5d8\ub8cc \uc9c0\ucd9c\uc744 \uc608\uce21 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub77c. \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4<\/p>\n<p>BFSI(\uc740\ud589, \uae08\uc735 \uc11c\ube44\uc2a4 \ubc0f \ubcf4\ud5d8)\ub294 \uc5c4\uaca9\ud55c \ub370\uc774\ud130 \ubcf4\ud638 \uaddc\uc81c\uc640 \ub192\uc740 \ub79c\uc12c\uc6e8\uc5b4 \ube48\ub3c4\ub85c \uc778\ud574 28.7%\uc758 \uc810\uc720\uc728\ub85c \uac00\uc7a5 \ud070 \uad6c\ub9e4\uc790\uc600\uc2b5\ub2c8\ub2e4. \uc81c\uc870\uc5c5\uc740 \uc6b4\uc601 \uae30\uc220(OT)\uacfc \uc815\ubcf4 \uae30\uc220(IT) \uc2dc\uc2a4\ud15c\uc758 \uc735\ud569\uc73c\ub85c \uacf5\uaca9\uc790\ub4e4\uc774 \uc810\uc810 \ub354 \uc545\uc6a9\ud568\uc5d0 \ub530\ub77c 2030\ub144\uae4c\uc9c0 16.3%\uc758\uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc758\ub8cc \ubd80\ubb38\uc740 \ubbfc\uac10\ud55c \ud658\uc790 \uc815\ubcf4\uc640 \uc5c4\uaca9\ud55c \uaddc\uc81c \uc900\uc218 \uc694\uad6c\uc0ac\ud56d\uc73c\ub85c \uc778\ud574 \uc0ac\uc774\ubc84 \uacf5\uaca9\uc758 \uc8fc\uc694 \ud45c\uc801\uc774 \ub418\uace0 \uc788\uc73c\uba70, \uc774\uc5d0 \ub530\ub77c \ubcf4\ud5d8 \uc218\uc694\uac00 \ube60\ub974\uac8c \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc815\ubd80 \ubc0f \uacf5\uacf5 \ubd80\ubb38\uc740 \uad6d\uac00 \uc911\uc694 \uc778\ud504\ub77c \ubcf4\ud638\uc640 \ub300\uaddc\ubaa8 \uac1c\uc778 \uc815\ubcf4 \uc720\ucd9c \uc704\ud5d8 \uad00\ub9ac\ub97c \uc704\ud574 \uc0ac\uc774\ubc84 \ubcf4\ud5d8 \ub3c4\uc785\uc744 \ud655\ub300\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub9e4\uc5c5\uc740 \uace0\uac1d \ub370\uc774\ud130 \uce68\ud574 \ubc0f \uc11c\ube44\uc2a4 \uc911\ub2e8\uc73c\ub85c \uc778\ud55c \uc7ac\uc815\uc801 \uc190\uc2e4\uacfc \ube0c\ub79c\ub4dc \uc774\ubbf8\uc9c0 \uc190\uc0c1 \uc704\ud5d8\uc744 \uc644\ud654\ud558\uae30 \uc704\ud574 \uc0ac\uc774\ubc84 \ubcf4\ud5d8\uc744 \ud544\uc218\uc801\uc778 \uc704\ud5d8 \uad00\ub9ac \ub3c4\uad6c\ub85c \uc778\uc2dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub9c8. \uc9c0\uc5ed\ubcc4<\/p>\n<p>\ubd81\ubbf8\ub294 2023\ub144 \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubcf4\ud5d8 \uc2dc\uc7a5\uc5d0\uc11c 38.2%\uc758 \uac00\uc7a5 \ud070 \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uac15\ub825\ud55c \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c, \ub192\uc740 \uc0ac\uc774\ubc84 \uacf5\uaca9 \ubc1c\uc0dd\ub960, \uadf8\ub9ac\uace0 \uc0ac\uc774\ubc84 \ubcf4\ud5d8\uc5d0 \ub300\ud55c \uae30\uc5c5\ub4e4\uc758 \ub192\uc740 \uc778\uc2dd \uc218\uc900\uc5d0 \uae30\uc778\ud569\ub2c8\ub2e4. \uc720\ub7fd\uc740 GDPR(\uc77c\ubc18 \ub370\uc774\ud130 \ubcf4\ud638 \uaddc\uc815)\uacfc \uac19\uc740 \uc5c4\uaca9\ud55c \ub370\uc774\ud130 \ubcf4\ud638 \ubc95\uaddc\ub85c \uc778\ud574 \uc0ac\uc774\ubc84 \ubcf4\ud5d8 \ucc44\ud0dd\uc774 \uafb8\uc900\ud788 \uc99d\uac00\ud558\uace0 \uc788\uc73c\uba70, \ud2b9\ud788 \ub3c5\uc77c, \uc601\uad6d, \ud504\ub791\uc2a4 \ub4f1 \uc8fc\uc694 \uacbd\uc81c\uad6d\uc5d0\uc11c \uc2dc\uc7a5 \uc131\uc7a5\uc774 \ub450\ub4dc\ub7ec\uc9d1\ub2c8\ub2e4. \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 \ub514\uc9c0\ud138 \uc804\ud658 \uac00\uc18d\ud654\uc640 \uc0ac\uc774\ubc84 \uc704\ud611 \uc99d\uac00\ub85c \uc778\ud574 \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5\uc73c\ub85c \ubd80\uc0c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc77c\ubcf8, \ud55c\uad6d, \uc2f1\uac00\ud3ec\ub974, \ud638\uc8fc \ub4f1\uc5d0\uc11c \uc815\ubd80\uc758 \uc9c0\uc6d0 \uc815\ucc45\uacfc \uae30\uc5c5\ub4e4\uc758 \uc704\ud5d8 \uc778\uc2dd \uc99d\ub300\uac00 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uacac\uc778\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74 \uc9c0\uc5ed\uc740 \uc544\uc9c1 \ucd08\uae30 \ub2e8\uacc4\uc5d0 \uc788\uc9c0\ub9cc, \ub514\uc9c0\ud138 \uc778\ud504\ub77c \ud655\ucda9\uacfc \uc0ac\uc774\ubc84 \uc704\ud611\uc5d0 \ub300\ud55c \uc778\uc2dd\uc774 \ub192\uc544\uc9c0\uba74\uc11c \uc7a0\uc7ac\uc801\uc778 \uc131\uc7a5 \uac00\ub2a5\uc131\uc744 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \uc0ac\uc774\ubc84 \uc774\ubca4\ud2b8(\ub79c\uc12c\uc6e8\uc5b4, \ub370\uc774\ud130 \uc720\ucd9c, \uc0ac\uc5c5 \uc911\ub2e8 \ub4f1)\ub85c \uc778\ud574 \ubc1c\uc0dd\ud558\ub294 \uc870\uc9c1\uc758 1\uc790 \uc190\uc2e4 \ubc0f 3\uc790 \ubc30\uc0c1 \ucc45\uc784\uc5d0 \ub300\ud55c \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud558\ub294 \ub3c5\ub9bd\ud615 \ub610\ub294 \ud328\ud0a4\uc9c0\ud615 \uc815\ucc45\uc758 \uc804 \uc138\uacc4 \ucd1d \uc218\uc785 \ubcf4\ud5d8\ub8cc\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubcf4\ud5d8 \uc2dc\uc7a5\uc744 \ubd84\uc11d\ud569\ub2c8\ub2e4. \uac1c\uc778 \uc0ac\uc774\ubc84 \ubcf4\ud5d8 \ubc0f \uc7ac\ubcf4\ud5d8 \uc774\uc804\uc740 \ubcf8 \ud3c9\uac00\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4. \uc2dc\uc7a5\uc740 2025\ub144 204.2\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2030\ub144 405.5\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\ub85c \uc131\uc7a5\ud558\uc5ec \uc5f0\ud3c9\uade0 14.7%\uc758 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc131\uc7a5\uc758 \uc8fc\uc694 \ub3d9\uc778\uc73c\ub85c\ub294 \ud074\ub77c\uc6b0\ub4dc \uc6b0\uc120 \ub514\uc9c0\ud138\ud654\ub85c \uc778\ud55c \uc0ac\uc774\ubc84 \uc190\uc2e4 \ub178\ucd9c \uc99d\uac00, GDPR, NY DFS, DORA, SEC \uaddc\uc815 \ub4f1 \uaddc\uc81c \uc758\ubb34 \uac15\ud654\ub85c \uc778\ud55c \ucc45\uc784 \uc99d\ub300, \uc0ac\uc774\ubc84 \uc704\ud5d8 \uc815\ub7c9\ud654\uc5d0 \ub300\ud55c \uc774\uc0ac\ud68c \ucc28\uc6d0\uc758 \uad00\uc2ec \uc99d\ub300, \uc911\uc18c\uae30\uc5c5(SME)\uc744 \uc704\ud55c \uc800\ube44\uc6a9 \ub9e4\uac1c\ubcc0\uc218\ud615 \ubcf4\ud5d8 \uc0c1\ud488\uc758 \ub4f1\uc7a5, \ubcf4\uc548 \uc11c\ube44\uc2a4\uc640 \ubcf4\ud5d8\uc744 \uacb0\ud569\ud55c &#8216;\uc778\uc288\uc5b4\uc139(InsurSec)&#8217; \ubaa8\ub378\uc758 \ud655\uc0b0, \uadf8\ub9ac\uace0 \ud1a0\ud070\ud654\ub41c \uc0ac\uc774\ubc84 \ubcf4\ud5d8\uc5f0\uacc4\uc99d\uad8c(ILS)\uc744 \ud1b5\ud55c \uc2e0\uaddc \uc790\ubcf8 \uc720\uc785 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc2dc\uc7a5\uc758 \uc81c\uc57d \uc694\uc778\uc73c\ub85c\ub294 \ubcf4\ud5d8 \uacc4\ub9ac \ub370\uc774\ud130 \ubd80\uc871 \ubc0f \ubaa8\ub378\ub9c1 \ubd88\ud655\uc2e4\uc131, \ub192\uc740 \ubcf4\ud5d8\ub8cc \ubc0f \uc790\uae30\ubd80\ub2f4\uae08 \uc218\uc900\uc73c\ub85c \uc778\ud55c \uc911\uc18c\uae30\uc5c5\uc758 \uc9c4\uc785 \uc7a5\ubcbd, \uacc4\uc57d\uc0c1 \uc804\uc7c1 \ubc0f \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c \uc81c\uc678 \uc870\ud56d, \uadf8\ub9ac\uace0 \ud575\uc2ec \uc778\ud504\ub77c \uc704\ud5d8\uc5d0 \ub300\ud55c \uc7ac\ubcf4\ud5d8 \uc5ed\ub7c9 \uc81c\ud55c \ub4f1\uc774 \uc9c0\uc801\ub429\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\uace0\uc11c\ub294 \ubcf4\uc7a5 \uc720\ud615(1\uc790 \ubcf4\uc7a5, 3\uc790 \ubc30\uc0c1 \ucc45\uc784, \ubc88\ub4e4\/\ud558\uc774\ube0c\ub9ac\ub4dc), \ubcf4\ud5d8 \uc720\ud615(\ub3c5\ub9bd\ud615, \ud328\ud0a4\uc9c0\/\ucd94\uac00 \ubcf4\uc7a5), \uc870\uc9c1 \uaddc\ubaa8(\uc911\uc18c\uae30\uc5c5, \ub300\uae30\uc5c5), \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5(BFSI, \ud5ec\uc2a4\ucf00\uc5b4, \uc18c\ub9e4 \ubc0f \uc804\uc790\uc0c1\uac70\ub798, IT \ubc0f \ud1b5\uc2e0, \uc81c\uc870, \uc815\ubd80 \ubc0f \uacf5\uacf5 \ubd80\ubb38), \uadf8\ub9ac\uace0 \uc9c0\uc5ed\ubcc4(\ubd81\ubbf8, \ub0a8\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74)\ub85c \uc2dc\uc7a5\uc744 \uc138\ubd84\ud654\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4. \ud2b9\ud788, \uaddc\uc81c \ubc8c\uae08 \ubc0f \uc18c\uc1a1 \uc99d\uac00\ub85c \uc778\ud574 3\uc790 \ubc30\uc0c1 \ucc45\uc784 \ubcf4\uc7a5\uc774 \uc5f0\ud3c9\uade0 14.9%\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc73c\uba70, \uc911\uc18c\uae30\uc5c5 \ubd80\ubb38\uc740 \uc800\ube44\uc6a9 \ub9e4\uac1c\ubcc0\uc218\ud615 \uc815\ucc45\uacfc \uc778\uc288\uc5b4\uc139 \ubc88\ub4e4 \ub355\ubd84\uc5d0 \uc5f0\ud3c9\uade0 15.1%\uc758 \uc131\uc7a5\ub960\uc744 \ubcf4\uc774\uba70 \uc0ac\uc774\ubc84 \ubcf4\ud5d8 \ucc44\ud0dd\uc774 \uac00\uc18d\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uc5ed\ubcc4\ub85c\ub294 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \ube60\ub978 \ub514\uc9c0\ud138\ud654, \uc9c4\ud654\ud558\ub294 \uad6d\uac00\ubcc4 \uaddc\uc81c, \uadf8\ub9ac\uace0 \uc911\uad6d, \uc77c\ubcf8, \uc778\ub3c4 \ub4f1\uc5d0\uc11c\uc758 \ubcf4\ud5d8\uc0ac \uc785\uc9c0 \ud655\ub300\ub85c \uc778\ud574 \uc5f0\ud3c9\uade0 16.7%\ub85c \uac00\uc7a5 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>\uae30\uc220\uc801 \uce21\uba74\uc5d0\uc11c\ub294 AI \uae30\ubc18 \uc5b8\ub354\ub77c\uc774\ud305, CAT \ubaa8\ub378, \ube14\ub85d\uccb4\uc778 \uae30\ubc18 \ub9e4\uac1c\ubcc0\uc218\ud615 \ubcf4\ud5d8 \ub4f1\uc774 \uc2dc\uc7a5\uc758 \ubbf8\ub798\ub97c \ud615\uc131\ud560 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4. \uaddc\uc81c \ud658\uacbd\uc740 DORA \ubc0f SEC\uc758 4\uc77c \uacf5\uc2dc \uaddc\uc815 \ub4f1 \uc0c8\ub85c\uc6b4 \uaddc\uc81c\uac00 \uae30\uc5c5\uc758 \ucc45\uc784 \ub178\ucd9c\uc744 \ud06c\uac8c \uc99d\uac00\uc2dc\ucf1c \uc7a0\uc7ac\uc801 \ubc8c\uae08\uc744 \uc0c1\uc1c4\ud558\uae30 \uc704\ud55c \ub354 \ub192\uc740 \ubcf4\uc7a5 \ud55c\ub3c4 \ud655\ubcf4\ub97c \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc0ac\uc774\ubc84 \uc7ac\ub09c \ucc44\uad8c(Cyber Cat Bonds)\uc740 2023\ub144 \uc774\ud6c4 8\uc5b5 \ub2ec\ub7ec\uc758 \ucd94\uac00 \uc790\ubcf8\uc744 \uc720\uce58\ud558\uba70 \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\ub97c \uc790\ubcf8 \uc2dc\uc7a5\uc73c\ub85c \uc774\uc804\ud558\uace0 \ubcf4\ud5d8\uc0ac\uc758 \uc7ac\uc7ac\ubcf4\ud5d8 \uc635\uc158\uc744 \ub2e4\uac01\ud654\ud558\ub294 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd \ubd84\uc11d\uc5d0\ub294 AIG, Chubb, Zurich, AXA XL, Allianz, Munich Re \ub4f1 \uc8fc\uc694 \uae00\ub85c\ubc8c \ubcf4\ud5d8\uc0ac \ubc0f \ube0c\ub85c\ucee4\uc758 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4, \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784, \uc2dc\uc7a5 \uc810\uc720\uc728 \ubc0f \ud68c\uc0ac \ud504\ub85c\ud544\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \ubcf8 \ubcf4\uace0\uc11c\ub294 \uc5b8\ub354\ub77c\uc774\ud130, \ube0c\ub85c\ucee4, \uc704\ud5d8 \uad00\ub9ac\uc790 \ub4f1\uacfc\uc758 \uc2ec\uce35 \uc778\ud130\ubdf0\ub97c \ud1b5\ud55c 1\ucc28 \uc5f0\uad6c\uc640 \uaddc\uc81c \uae30\uad00 \uc790\ub8cc, \uacf5\uac1c \ub370\uc774\ud130\uc14b\uc744 \ud65c\uc6a9\ud55c 2\ucc28 \uc5f0\uad6c\ub97c \ubcd1\ud589\ud558\uc5ec \uc2e0\ub8b0\uc131 \ub192\uc740 \uc2dc\uc7a5 \uaddc\ubaa8 \ucd94\uc815 \ubc0f \uc608\uce21\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860\uc801\uc73c\ub85c, \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubcf4\ud5d8 \uc2dc\uc7a5\uc740 \ub514\uc9c0\ud138 \uc804\ud658 \uac00\uc18d\ud654\uc640 \uaddc\uc81c \uac15\ud654\uc5d0 \ud798\uc785\uc5b4 \uacac\uace0\ud55c \uc131\uc7a5\uc138\ub97c \uc774\uc5b4\uac08 \uac83\uc774\uba70, \ud2b9\ud788 \uc911\uc18c\uae30\uc5c5 \ubd80\ubb38\uacfc \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc5d0\uc11c \ud070 \uae30\ud68c\uac00 \uc788\uc744 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-39212","post","type-post","status-publish","format-standard","hentry","category-market-reports"],"_links":{"self":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/39212"}],"collection":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/comments?post=39212"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/39212\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=39212"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=39212"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=39212"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}