{"id":42102,"date":"2026-02-13T22:21:25","date_gmt":"2026-02-13T22:21:25","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/insurance-brokerage-market-mordor\/"},"modified":"2026-10-02T22:45:54","modified_gmt":"2026-10-02T13:45:54","slug":"insurance-brokerage-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/insurance-brokerage-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \ubcf4\ud5d8 \uc911\uac1c \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2026-2031)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/insurance-brokerage-market-1751021230166-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\/insurance-brokerage-market-size-image-1767018896625.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 &amp; \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. \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 \uc2e0\ud765 \uc2dc\uc7a5\uc758 \uc0dd\uba85 \ubcf4\ud5d8 \uc815\ucc45 \uc218\uc694 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.2 \ube60\ub978 \ub514\uc9c0\ud138\ud654 \/ \uc778\uc288\uc5b4\ud14c\ud06c \ud30c\ud2b8\ub108\uc2ed<\/li>\n<li class=\"toc-level-3\">4.2.3 \uaddc\uc81c \ubcf5\uc7a1\uc131\uc73c\ub85c \uc778\ud55c \uc790\ubb38 \ud544\uc694\uc131 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.4 \uc0ac\uc774\ubc84 \ubcf4\ud5d8 \ubc30\uce58 \uc218\uc694 \ud3ed\uc99d<\/li>\n<li class=\"toc-level-3\">4.2.5 CAT \uc8fc\ub3c4 E&amp;S \uc2dc\uc7a5 \ud655\uc7a5<\/li>\n<li class=\"toc-level-3\">4.2.6 \uc784\ubca0\ub514\ub4dc \uae08\uc735 API\ub97c \ud1b5\ud55c \uc0c8\ub85c\uc6b4 \uc911\uac1c\uc778 \uc218\uc775 \ucc3d\ucd9c<\/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 \uc218\uc218\ub8cc \uc555\ubc15 &amp; \uc6b4\uc601 \ube44\uc6a9 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.3.2 \uc9c1\uc811 \/ \uc784\ubca0\ub514\ub4dc \ucc44\ub110\uc5d0 \uc758\ud55c \uc911\uac1c \ubc30\uc81c<\/li>\n<li class=\"toc-level-3\">4.3.3 \uc804 \uc138\uacc4 \uc911\uac1c\uc778 \uc778\ub825 \ubd80\uc871 \ubc0f \uace0\ub839\ud654<\/li>\n<li class=\"toc-level-3\">4.3.4 \uc911\uac1c\uc778 \uc218\uc218\ub8cc\uc5d0 \ub300\ud55c \uc0c8\ub85c\uc6b4 \uc0c1\ud55c\uc120 (\uc608: \uc778\ub3c4)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.4 \uac00\uce58 \/ \uacf5\uae09\ub9dd \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">4.5 \uaddc\uc81c \ud658\uacbd<\/li>\n<li class=\"toc-level-2\">4.6 \uae30\uc220 \uc804\ub9dd<\/li>\n<li class=\"toc-level-2\">4.7 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778\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<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-4\">5. \uc2dc\uc7a5 \uaddc\ubaa8 &amp; \uc131\uc7a5 \uc608\uce21 (\uac00\uce58)<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \ubcf4\ud5d8 \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \uc0dd\uba85 \ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">5.1.2 \uc7ac\uc0b0 &amp; \uc0c1\ud574 \ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">5.1.3 \uac74\uac15 \ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">5.1.4 \ud2b9\uc218 \ubcf4\ud5d8 (\ud574\uc0c1, \ud56d\uacf5, \uc0ac\uc774\ubc84)<\/li>\n<li class=\"toc-level-3\">5.1.5 \uc7ac\ubcf4\ud5d8 \uc911\uac1c<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \uc911\uac1c \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \uc18c\ub9e4 \uc911\uac1c<\/li>\n<li class=\"toc-level-3\">5.2.2 \ub3c4\ub9e4 \uc911\uac1c<\/li>\n<li class=\"toc-level-3\">5.2.3 \uae30\ud0c0 \uc911\uac1c<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \ubcf4\ud5d8\uc0ac\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \ubbfc\uac04 \ubd80\ubb38<\/li>\n<li class=\"toc-level-3\">5.3.2 \uacf5\uacf5 \ubd80\ubb38 \/ \ube44\uc601\ub9ac \ub2e8\uccb4<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \ubd81\ubbf8<\/li>\n<li class=\"toc-level-4\">5.4.1.1 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.1.2 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.4.1.3 \uba55\uc2dc\ucf54<\/li>\n<li class=\"toc-level-3\">5.4.2 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.4.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.4.2.2 \ud398\ub8e8<\/li>\n<li class=\"toc-level-4\">5.4.2.3 \uce60\ub808<\/li>\n<li class=\"toc-level-4\">5.4.2.4 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.4.2.5 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.3 \uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.4.3.1 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.4.3.2 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.4.3.4 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.4.3.5 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.4.3.6 \ubca0\ub124\ub8e9\uc2a4 (\ubca8\uae30\uc5d0, \ub124\ub35c\ub780\ub4dc, \ub8e9\uc148\ubd80\ub974\ud06c)<\/li>\n<li class=\"toc-level-4\">5.4.3.7 \ubd81\uc720\ub7fd (\uc2a4\uc6e8\ub374, \ub178\ub974\uc6e8\uc774, \ub374\ub9c8\ud06c, \ud540\ub780\ub4dc)<\/li>\n<li class=\"toc-level-4\">5.4.3.8 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-4\">5.4.4.1 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.4.2 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.4.4.3 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.4.4.4 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.4.5 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.4.4.6 \ub3d9\ub0a8\uc544\uc2dc\uc544<\/li>\n<li class=\"toc-level-4\">5.4.4.7 \uc778\ub3c4\ub124\uc2dc\uc544<\/li>\n<li class=\"toc-level-4\">5.4.4.8 \uc544\uc2dc\uc544 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.5 \uc911\ub3d9 &amp; \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.4.5.1 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-4\">5.4.5.2 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.4.5.3 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.5.4 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.4.5.5 \uc911\ub3d9 \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\uc758 \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 Acrisure LLC<\/li>\n<li class=\"toc-level-3\">6.4.2 Aon plc<\/li>\n<li class=\"toc-level-3\">6.4.3 Arthur J. Gallagher &amp; Co.<\/li>\n<li class=\"toc-level-3\">6.4.4 Brown &amp; Brown Inc.<\/li>\n<li class=\"toc-level-3\">6.4.5 HUB International Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.6 Lockton Companies<\/li>\n<li class=\"toc-level-3\">6.4.7 Marsh McLennan Companies Inc.<\/li>\n<li class=\"toc-level-3\">6.4.8 Truist Insurance Holdings<\/li>\n<li class=\"toc-level-3\">6.4.9 USI Insurance Services LLC<\/li>\n<li class=\"toc-level-3\">6.4.10 Willis Towers Watson plc<\/li>\n<li class=\"toc-level-3\">6.4.11 Ryan Specialty Holdings Inc.<\/li>\n<li class=\"toc-level-3\">6.4.12 Howden Group Holdings<\/li>\n<li class=\"toc-level-3\">6.4.13 Alliant Insurance Services Inc.<\/li>\n<li class=\"toc-level-3\">6.4.14 Edgewood Partners Insurance Center (EPIC)<\/li>\n<li class=\"toc-level-3\">6.4.15 BMS Group Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.16 Miller Insurance Services LLP<\/li>\n<li class=\"toc-level-3\">6.4.17 Goosehead Insurance Inc.<\/li>\n<li class=\"toc-level-3\">6.4.18 NFP Corp.<\/li>\n<li class=\"toc-level-3\">6.4.19 Gallagher Re<\/li>\n<li class=\"toc-level-3\">6.4.20 Ardonagh Group<\/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>\ubcf4\ud5d8 \uc911\uac1c \uc2dc\uc7a5 \uac1c\uc694 (2026-2031\ub144 \uc131\uc7a5 \ubcf4\uace0\uc11c)<\/p>\n<p>\uae00\ub85c\ubc8c \ubcf4\ud5d8 \uc911\uac1c \uc2dc\uc7a5\uc740 2025\ub144 3,284\uc5b5 7\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 2026\ub144 3,592\uc5b5 7\ucc9c\ub9cc \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud558\uace0, 2031\ub144\uc5d0\ub294 9.38%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\ub85c 5,624\uc5b5 8\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc740 \uc0ac\uc774\ubc84 \ubcf4\ud5d8, \uc7ac\ub09c \uad00\ub828 \uc194\ub8e8\uc158, \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc194\ub8e8\uc158\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\uac00\uc5d0 \ud798\uc785\uc740 \ubc14 \ud06c\uba70, \ub514\uc9c0\ud138 \ud22c\uc790 \uc2ec\ud654\ub85c \uc911\uac1c \uacfc\uc815\uc774 \ub2e8\ucd95\ub418\uace0 \uace0\uac1d \ub3c4\ub2ec \ubc94\uc704\uac00 \ud655\ub300\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ubbf8\uad6d \uc0c1\uc5c5 \ubcf4\ud5d8\uc758 34%\ub97c \ucc28\uc9c0\ud558\ub294 \ucd08\uacfc \ubc0f \uc789\uc5ec(E&#038;S) \ubcf4\ud5d8\uc73c\ub85c\uc758 \uc804\ud658\uc740 \uc804\ubb38 \uc2dc\uc7a5 \uc811\uadfc\uc131\uc744 \uac00\uc9c4 \uc911\uac1c\uc778\uc5d0\uac8c \uc720\ub9ac\ud558\uac8c \uc791\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uacf5\uacf5 \ubd80\ubb38 \ubcf4\ud5d8\uc0ac\uac00 \uc5ec\uc804\ud788 \ubcf4\ud5d8\ub8cc \uc2dc\uc7a5\uc744 \uc9c0\ubc30\ud558\uace0 \uc788\uc9c0\ub9cc, \uae30\uad00 \ud22c\uc790\uc790\ub4e4\uc774 \ub300\uccb4 \uc704\ud5d8 \uc218\ub2e8\uc5d0 \uc790\ubcf8\uc744 \ud22c\uc785\ud558\uba74\uc11c \ubbfc\uac04 \ubd80\ubb38\uc758 \uc5ed\ub7c9\uc774 \ub354 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2024-2025\ub144\uc758 \ub300\uaddc\ubaa8 \uc778\uc218\ud569\ubcd1\uc744 \ud1b5\ud55c \uc2dc\uc7a5 \ud1b5\ud569\uc740 \uaddc\ubaa8\uc758 \uc774\uc810\uc744 \uc81c\uacf5\ud558\uc9c0\ub9cc, \uc784\ubca0\ub514\ub4dc \ucc44\ub110\uc758 \ubd80\uc0c1\uc73c\ub85c \uc804\ud1b5\uc801\uc778 \uc911\uac1c \ucc44\ub110\uc758 \uc218\uc775 \uc555\ubc15\uc774 \uc2ec\ud654\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud575\uc2ec \ubcf4\uace0\uc11c \uc694\uc57d:<\/p>\n<p>*   \ubcf4\ud5d8 \uc720\ud615\ubcc4: 2025\ub144 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8\uc774 55.62%\ub85c \uc2dc\uc7a5\uc744 \uc120\ub3c4\ud588\uc73c\uba70, \ud2b9\uc218 \ubcf4\ud5d8(Specialty Lines)\uc740 2031\ub144\uae4c\uc9c0 8.22%\uc758 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   \uc911\uac1c \uc720\ud615\ubcc4: \uc18c\ub9e4 \uc911\uac1c(Retail Brokerage)\uac00 2025\ub144 \ub9e4\ucd9c\uc758 75.94%\ub97c \ucc28\uc9c0\ud588\uc73c\ub098, \ub3c4\ub9e4 \uc911\uac1c(Wholesale Brokerage)\ub294 2031\ub144\uae4c\uc9c0 8.67%\uc758 CAGR\ub85c \ud655\uc7a5\ub420 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<br \/>\n*   \ubcf4\ud5d8\uc0ac \uad00\uacc4\ubcc4: \uacf5\uacf5 \ubd80\ubb38 \ubcf4\ud5d8\uc0ac\uac00 2025\ub144 \uae00\ub85c\ubc8c \ubcf4\ud5d8 \uc911\uac1c \uc2dc\uc7a5 \uaddc\ubaa8\uc758 54.18%\ub97c \ucc28\uc9c0\ud588\uc9c0\ub9cc, \ubbfc\uac04 \ubd80\ubb38 \uc911\uac1c\ub294 2031\ub144\uae4c\uc9c0 9.31%\uc758 CAGR\ub85c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc9c0\uc5ed\ubcc4: \ubd81\ubbf8\uac00 2025\ub144 37.42%\uc758 \uc810\uc720\uc728\ub85c \uc2dc\uc7a5\uc744 \uc8fc\ub3c4\ud588\uc73c\uba70, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 2031\ub144\uae4c\uc9c0 7.12%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<br \/>\n*   \uc2dc\uc7a5 \uc9d1\uc911\ub3c4: \uc911\uac04 \uc218\uc900\uc785\ub2c8\ub2e4.<\/p>\n<p>\uae00\ub85c\ubc8c \ubcf4\ud5d8 \uc911\uac1c \uc2dc\uc7a5 \ub3d9\ud5a5 \ubc0f \ud1b5\ucc30:<\/p>\n<p>1. \uc131\uc7a5 \ub3d9\ub825 (Drivers)<\/p>\n<p>*   \uc2e0\ud765 \uc2dc\uc7a5\uc758 \uc0dd\uba85 \ubcf4\ud5d8 \uc218\uc694 \uc99d\uac00: \uc778\ub3c4, \uc911\uad6d, \ub3d9\ub0a8\uc544\uc2dc\uc544 \ub4f1 \uc2e0\ud765 \uc2dc\uc7a5\uc5d0\uc11c \ud32c\ub370\ubbf9 \uc774\ud6c4 \uc704\ud5d8 \uc778\uc2dd \uc99d\uac00\uc640 \uac04\uc18c\ud654\ub41c \uc0c1\ud488 \uc2b9\uc778 \uc808\ucc28\uc5d0 \ud798\uc785\uc5b4 \ud22c\uc790 \uc5f0\uacc4\ud615\uc5d0\uc11c \ubcf4\uc7a5 \uc911\uc2ec\ud615 \uc0dd\uba85 \ubcf4\ud5d8\uc73c\ub85c \uc218\uc694\uac00 \uc804\ud658\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc758 \uaddc\uc81c \uc644\ud654\ub294 \uae00\ub85c\ubc8c \uc804\ubb38\uc131\uc744 \uc720\uce58\ud558\uba70 \uc911\uac1c\uc778\uc758 \uc790\ubb38 \uc5ed\ud560\uc744 \uac15\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. GDP \ub300\ube44 \ubcf4\ud5d8 \uce68\ud22c\uc728\uc774 1% \ubbf8\ub9cc\uc73c\ub85c, \uc778\uad6c \ud1b5\uacc4\ud559\uc801 \uc694\uc778\uacfc \ud568\uaed8 \ud070 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ube60\ub978 \ub514\uc9c0\ud138\ud654 \ubc0f \uc778\uc288\uc5b4\ud14c\ud06c \ud30c\ud2b8\ub108\uc2ed: \uc778\uacf5\uc9c0\ub2a5(AI)\uc774 \uc778\uc218 \ubc0f \uccad\uad6c \uc6cc\ud06c\ud50c\ub85c\uc6b0\uc5d0 \ud1b5\ud569\ub418\uc5b4 \uc2e4\uc2dc\uac04 \uac00\uaca9 \ucc45\uc815 \ubc0f \ub9de\ucda4\ud615 \uc815\ucc45\uc774 \uac00\ub2a5\ud574\uc84c\uc2b5\ub2c8\ub2e4. \ud074\ub77c\uc6b0\ub4dc \ubc0f AI \ud22c\uc790\ub294 \uc911\uac1c\uc778 IT \uc608\uc0b0\uc758 \uc57d 30%\ub97c \ucc28\uc9c0\ud558\uba70, \uc784\ubca0\ub514\ub4dc \uae08\uc735 API \ud655\uc0b0\uacfc \ud568\uaed8 \ud540\ud14c\ud06c \ud30c\ud2b8\ub108\uac00 \uc0c1\uc5c5 \ubcf4\ud5d8\uc744 \uc81c\uacf5\ud558\ub294 \ud654\uc774\ud2b8 \ub77c\ubca8 \ud3ec\ud138\uc744 \ud1b5\ud574 \uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0\uc744 \ucc3d\ucd9c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uaddc\uc81c \ubcf5\uc7a1\uc131 \uc99d\uac00\ub85c \uc778\ud55c \uc790\ubb38 \ud544\uc694\uc131 \uc99d\ub300: \uc601\uad6d \ub300\ubc95\uc6d0\uc758 \uc218\uc218\ub8cc \ud569\ubc95\uc131 \uac80\ud1a0 \ubc0f EU\uc758 \uacf5\uc2dc \uc758\ubb34 \ud655\ub300 \ub4f1 \uac15\ud654\ub41c \uaddc\uc81c\ub294 \uc911\uac1c\uc778\uc758 \ub2e8\uc21c \uc911\uac1c \uc5ed\ud560\uc744 \ub118\uc5b4\uc120 \uc790\ubb38 \uc5ed\ud560\uc744 \ubd80\uac01\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ubd81\ubbf8 \uc9c0\uc5ed\uc758 \uc0ac\uc774\ubc84 \uc0ac\uace0 \ubcf4\uace0 \uae30\ud55c \ub2e8\ucd95\uc740 \uc0ac\uc804 \uce68\ud574 \uc790\ubb38 \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc218\uc694\ub97c \ucd09\ubc1c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc0ac\uc774\ubc84 \ubcf4\ud5d8 \ubc30\uce58 \uc218\uc694 \ud3ed\uc99d: 2020\ub144 \uc774\ud6c4 \ub79c\uc12c\uc6e8\uc5b4 \uc0ac\uace0\uac00 1,281% \uae09\uc99d\ud558\uba74\uc11c \uc0ac\uc774\ubc84 \ubcf4\ud5d8\ub8cc\ub294 2023\ub144 140\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2026\ub144 230\uc5b5 \ub2ec\ub7ec\ub85c \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 \uc5f0\uac04 \uc57d 50%\uc758 \uc131\uc7a5\ub960\uc744 \ubcf4\uc774\uc9c0\ub9cc, \uc5ec\uc804\ud788 \uae00\ub85c\ubc8c \ucd1d\uc561\uc758 7%\uc5d0 \ubd88\uacfc\ud558\uc5ec \ud070 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uac1c\uc778\ub4e4\uc740 \ubcf5\uc7a1\ud55c \ub2e4\uce35\uc801 \ubcf4\ud5d8 \ubc30\uce58\ub97c \ud1b5\ud574 \uace0\uac1d\uc5d0\uac8c \uc801\uc808\ud55c \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<br \/>\n*   \uc7ac\ub09c(CAT) \uc911\uc2ec\uc758 E&#038;S \uc2dc\uc7a5 \ud655\uc7a5: \uc7ac\ub09c \uad00\ub828 \uc190\uc2e4 \uc99d\uac00\ub294 \ucd08\uacfc \ubc0f \uc789\uc5ec(E&#038;S) \uc2dc\uc7a5\uc758 \ud655\uc7a5\uc744 \ucd09\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc911\uac1c\uc778\uc5d0\uac8c \uc804\ubb38\uc801\uc778 \uc2dc\uc7a5 \uc811\uadfc\uc131\uacfc \uc7ac\ubcf4\ud5d8 \uc5ed\ub7c9\uc744 \ud65c\uc6a9\ud558\uc5ec \ub9de\ucda4\ud615 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud560 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<br \/>\n*   \uc784\ubca0\ub514\ub4dc \uae08\uc735 API\ub97c \ud1b5\ud55c \uc0c8\ub85c\uc6b4 \uc911\uac1c \uc218\uc775 \ucc3d\ucd9c: \uc784\ubca0\ub514\ub4dc \uae08\uc735 API\uc758 \ud655\uc0b0\uc740 \uc911\uac1c\uc778\uc5d0\uac8c \uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ud540\ud14c\ud06c \ud30c\ud2b8\ub108\uc640 \ud611\ub825\ud558\uc5ec \uc0c1\uc5c5 \ubcf4\ud5d8\uc744 \uc81c\uacf5\ud558\ub294 \ud654\uc774\ud2b8 \ub77c\ubca8 \ud3ec\ud138\uc744 \ud1b5\ud574 \uc804\ud1b5\uc801\uc778 \uc218\uc218\ub8cc \uac10\uc18c\ub97c \uc0c1\uc1c4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>2. \uc81c\uc57d \uc694\uc778 (Restraints)<\/p>\n<p>*   \uc218\uc218\ub8cc \uc555\ubc15 \ubc0f \uc6b4\uc601 \ube44\uc6a9 \uc99d\uac00: 2023\ub144 \uae30\uc220 \uc9c0\ucd9c \uc99d\uac00\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc0ac\uc774\ubc84 \ubcf4\ud5d8\ub8cc \uacbd\uc7c1 \uc2ec\ud654\ub85c \ucd1d \ub9c8\uc9c4\uc774 \uc555\ubc15\ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uac1c\uc778\ub4e4\uc740 \uc218\uc218\ub8cc \uae30\ubc18 \ubcf4\uc0c1 \ubaa8\ub378\ub85c \uc804\ud658\ud558\uac70\ub098, \ub514\uc9c0\ud138 \uc5c5\uadf8\ub808\uc774\ub4dc\ub97c \uc704\ud574 \uaddc\ubaa8\ub97c \ud655\uc7a5\ud558\uac70\ub098 \ud569\ubcd1\uc744 \uace0\ub824\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc785\ub2c8\ub2e4. \uc778\ud50c\ub808\uc774\uc158 \uc555\ub825\uacfc \ub370\uc774\ud130 \uc8fc\uad8c \uaddc\uc81c\ub294 \ube44\uc6a9 \uc808\uac10 \ub178\ub825\uc744 \uc800\ud574\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc9c1\uc811\/\uc784\ubca0\ub514\ub4dc \ucc44\ub110\uc5d0 \uc758\ud55c \uc911\uac1c \ubc30\uc81c(Disintermediation): 2030\ub144\uae4c\uc9c0 \uc784\ubca0\ub514\ub4dc \uc720\ud1b5 \ucc44\ub110\uc774 \uae00\ub85c\ubc8c \uc7ac\uc0b0 \ubc0f \uc0c1\ud574(P&#038;C) \ubd80\ubb38\uc5d0\uc11c 700\uc5b5 \ub2ec\ub7ec\uc758 \ub9e4\ucd9c\uc744 \uc804\ud658\uc2dc\ud0ac \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ud2b9\ud788 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc740 \ud310\ub9e4 \uc2dc\uc810 \ud1b5\ud569\uc73c\ub85c 20%\uc758 \uc804\ud658\uc774 \uc608\uc0c1\ub429\ub2c8\ub2e4. \uadf8\ub7ec\ub098 API \uae30\ubc18 \uc5ed\ub7c9\uacfc \uc790\ubb38 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uc911\uac1c\uc778\ub4e4\uc740 \uc5ec\uc804\ud788 \uc911\uc694\ud55c \uac00\uce58\ub97c \ucc3d\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uae00\ub85c\ubc8c \uc911\uac1c \uc778\ub825 \ubd80\uc871 \ubc0f \uace0\ub839\ud654: \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uc911\uac1c \uc778\ub825 \ubd80\uc871\uacfc \uace0\ub839\ud654\ub294 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc120\uc9c4\uad6d\uc5d0\uc11c \uc774\ub7ec\ud55c \ud604\uc0c1\uc774 \ub450\ub4dc\ub7ec\uc9d1\ub2c8\ub2e4.<br \/>\n*   \uc911\uac1c \uc218\uc218\ub8cc \uc0c1\ud55c\uc81c \ub3c4\uc785: \uc778\ub3c4 \ub4f1 \uc77c\ubd80 \uad6d\uac00\uc5d0\uc11c \uc911\uac1c \uc218\uc218\ub8cc \uc0c1\ud55c\uc81c\uac00 \ub3c4\uc785\ub418\uba74\uc11c \uc911\uac1c\uc778\uc758 \uc218\uc775 \ubaa8\ub378\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubd80\ubb38\ubcc4 \ubd84\uc11d:<\/p>\n<p>*   \ubcf4\ud5d8 \uc720\ud615\ubcc4: \ud2b9\uc218 \ubcf4\ud5d8(Specialty Lines)\uc758 \ud601\uc2e0 \uc8fc\ub3c4: 2025\ub144 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574(P&#038;C) \ubcf4\ud5d8\uc774 55.62%\ub85c \uc2dc\uc7a5\uc744 \uc120\ub3c4\ud588\uc9c0\ub9cc, \uc0ac\uc774\ubc84, \ud574\uc591, \ud56d\uacf5 \uc704\ud5d8 \ub4f1 \ub9de\ucda4\ud615 \uad6c\uc870\ud654\uac00 \ud544\uc694\ud55c \ud2b9\uc218 \ubcf4\ud5d8\uc740 8.22%\uc758 CAGR\ub85c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc911\uac1c\uc778\ub4e4\uc774 \uc7ac\ubcf4\ud5d8 \uc5ed\ub7c9\uacfc \uace0\uae09 \ubd84\uc11d\uc744 \ud65c\uc6a9\ud558\uc5ec \uc804\ubb38\uc801\uc778 \ubc30\uce58 \uc804\ubb38\uc131\uc744 \uc218\uc775\ud654\ud560 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc0dd\uba85 \ubcf4\ud5d8\uc740 \uc9c1\uc811 \ucc44\ub110\uc758 \uc5ed\ud48d\uc744 \ub9de\uace0 \uc788\uc9c0\ub9cc, \uc790\uc0b0 \uacc4\ud68d\uc774\ub098 \uace0\uc561 \uc790\uc0b0\uac00 \uc0c1\ub2f4\uc5d0\uc11c \uc5ec\uc804\ud788 \uc911\uc694\ud558\uba70, \uac74\uac15 \ubcf4\ud5d8\uc740 \uace0\uc6a9\uc8fc\uc758 \uaddc\uc81c \uc900\uc218 \ubc0f \ud61c\ud0dd \uad00\ub9ac \uc694\uad6c\ub85c \uc778\ud574 \uacac\uace0\ud568\uc744 \uc720\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc911\uac1c \uc720\ud615\ubcc4: \ub3c4\ub9e4 \uc911\uac1c(Wholesale)\uc758 \uc131\uc7a5 \ubaa8\uba58\ud140: \uc18c\ub9e4 \uc911\uac1c\ub294 2025\ub144 \ub9e4\ucd9c\uc758 75.94%\ub97c \ucc28\uc9c0\ud588\uc9c0\ub9cc, E&#038;S \ubcf4\ud5d8 \uc0ac\uc6a9\uc774 \ud655\ub300\ub418\uba74\uc11c \ub3c4\ub9e4 \uc911\uac1c\ub294 \uc5f0\uac04 8.67% \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. Bridge Specialty Group\uc758 Nationwide Brokerage Solutions \uc778\uc218\uc640 \uac19\uc740 \ud1b5\ud569 \uc6c0\uc9c1\uc784\uc740 \uc720\ud1b5 \uaddc\ubaa8\uc640 \ub370\uc774\ud130 \ubd84\uc11d \uc5ed\ub7c9 \ud655\ubcf4 \uacbd\uc7c1\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ub3c4\ub9e4 \uc911\uac1c\uc778\ub4e4\uc740 \ub3c5\uc810\uc801\uc778 \uc2dc\uc7a5 \ubc14\uc778\ub354\uc640 \ub3c5\uc810\uc801\uc778 \uc7ac\ub09c \uc704\ud5d8 \uc5d4\uc9c4\uc744 \ud1b5\ud574 \ucc28\ubcc4\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ubcf4\ud5d8\uc0ac\ubcc4: \ubbfc\uac04 \ubd80\ubb38\uc758 \uc131\uc7a5 \ubaa8\uba58\ud140: \uacf5\uacf5 \ubd80\ubb38 \ubcf4\ud5d8\uc0ac\uac00 2025\ub144 \uc911\uac1c \ubcf4\ud5d8\ub8cc\uc758 54.18%\ub97c \ucc28\uc9c0\ud588\uc9c0\ub9cc, \uc5f0\uae30\uae08 \ubc0f \ub300\uccb4 \uc790\uc0b0 \uc6b4\uc6a9\uc0ac\ub85c\ubd80\ud130\uc758 \uc790\ubcf8 \uc720\uc785\uc5d0 \ud798\uc785\uc5b4 \ubbfc\uac04 \ubd80\ubb38 \uc911\uac1c\ub294 9.31%\uc758 CAGR\ub85c \ud655\uc7a5\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ubaa8 \ud380\ub4dc \uc9c0\uc6d0 \uc911\uac1c\uc778\ub4e4\uc740 2024\ub144 M&#038;A \uac70\ub798\uc758 72%\ub97c \ucc28\uc9c0\ud558\uba70 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc744 \uac1c\uc120\ud558\ub294 \uaddc\ubaa8 \ubc0f \uae30\uc220 \ucc44\ud0dd\uc744 \uac00\uc18d\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubbfc\uac04 \ubcf4\ud5d8\uc0ac\uc758 \uc720\uc5f0\uc131\uc740 \ub9de\ucda4\ud615 \ud504\ub85c\uadf8\ub7a8\uc744 \ucc3e\ub294 \uae30\uc5c5\ub4e4\uc5d0\uac8c \ub9e4\ub825\uc801\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcc4 \ubd84\uc11d:<\/p>\n<p>*   \ubd81\ubbf8: 2025\ub144 \ubd81\ubbf8\ub294 37.42%\uc758 \uc810\uc720\uc728\ub85c \uc2dc\uc7a5\uc744 \uc8fc\ub3c4\ud588\uc2b5\ub2c8\ub2e4. \uae4a\uc740 \uc790\ubcf8 \uc2dc\uc7a5, \uc815\uad50\ud55c E&#038;S \ud504\ub808\uc784\uc6cc\ud06c, \uc131\uc219\ud55c \uae30\uc220 \uc0dd\ud0dc\uacc4\ub97c \ud65c\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc18c\ube44\uc790 \ubd80\ubb38\uc774 \uc784\ubca0\ub514\ub4dc \uc0c1\ud488\uc73c\ub85c \uc774\ub3d9\ud558\uace0 \uc0c1\uc5c5 \uad6c\ub9e4\uc790\ub4e4\uc774 \uc790\uccb4 \ubcf4\ud5d8\uc744 \ud1b5\ud574 \uc704\ud5d8\uc744 \uad00\ub9ac\ud558\uba74\uc11c \uc131\uc7a5\uc740 \uc644\ub9cc\ud574\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d E&#038;S \uc2dc\uc7a5 \uaddc\ubaa8\uc640 \uce90\ub098\ub2e4\uc758 \uc548\uc815\uc801\uc778 \uac00\uaca9 \ucc45\uc815\uc740 \uc774 \uc9c0\uc5ed\uc758 \uc801\uc751\ub825\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<br \/>\n*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591: \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 2031\ub144\uae4c\uc9c0 7.12%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\uc744 \ubcf4\uc77c \uac83\uc785\ub2c8\ub2e4. \uc778\ub3c4\uc758 \uc218\uc218\ub8cc \uaddc\uc81c \uc644\ud654\uc640 \uc911\uad6d\uc758 \uc678\uad6d\uc778 \uc18c\uc720 \uc81c\ud55c \uc644\ud654\ub294 \uae00\ub85c\ubc8c \uae30\uc5c5\uc758 \uc9c4\ucd9c\uc744 \uc720\ub3c4\ud558\uace0 \uc804\ubb38\uc131 \uae30\uc900\uc744 \ub192\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc9c0\uc5ed\uc758 \uc0ac\uc774\ubc84 \ubcf4\ud5d8\ub8cc\ub294 \uc5f0\uac04 50% \uc99d\uac00\ud558\uace0 \uc788\uc9c0\ub9cc, \uae00\ub85c\ubc8c \ucd1d\uc561\uc758 7%\uc5d0 \ubd88\uacfc\ud558\uc5ec \uc0c1\ub2f9\ud55c \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud604\uc9c0 \ud30c\ud2b8\ub108\uc2ed, \ubb38\ud654\uc801 \ub9de\ucda4\ud615 \uc790\ubb38, \ub2e4\uad6d\uc5b4 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc \ud22c\uc790\uac00 \uc131\uacf5 \uc804\ub7b5\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4.<br \/>\n*   \uc720\ub7fd: \uc720\ub7fd\uc740 \ud63c\ud569\ub41c \uc2dc\uc7a5 \uc0c1\ud669\uc744 \ubcf4\uc785\ub2c8\ub2e4. \ube0c\ub809\uc2dc\ud2b8 \uc774\ud6c4 \uaddc\uc81c \ucc28\uc774\ub294 \uad6d\uacbd \uac04 \ubcf4\ud5d8 \ubc30\uce58\ub97c \ubcf5\uc7a1\ud558\uac8c \ud558\uc9c0\ub9cc, Solvency II \uac1c\ud601\uc740 \ubcf5\uc7a1\ud55c \uc790\ubb38\uc774 \ud544\uc694\ud55c \uc0c8\ub85c\uc6b4 \ud22c\uc790 \ucc44\ub110\uc744 \uc5f4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uac70\uc2dc \uacbd\uc81c\uc801 \uc57d\uc138\uac00 \ubcf4\ud5d8\ub8cc \uc131\uc7a5\uc744 \uc5b5\uc81c\ud558\uc9c0\ub9cc, \ud2b9\uc218 \uc911\uac1c\uc778 \ubc0f MGA(Managing General Agents) \uac04\uc758 \ud1b5\ud569\uc740 \uc6b4\uc601 \ud6a8\uc728\uc131\uc744 \ub192\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. EU \uadf8\ub9b0 \ub51c\uc758 \uae30\ud6c4 \uc801\uc751 \uc790\uae08\uc740 \uac74\uc124 \ubc0f \uc7ac\uc0dd \uc5d0\ub108\uc9c0 \ubcf4\ud5d8 \uc218\uc694\ub97c \ucd09\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd:<\/p>\n<p>\uae00\ub85c\ubc8c \ubcf4\ud5d8 \uc911\uac1c \uc2dc\uc7a5\uc740 \uc911\uac04 \uc815\ub3c4\uc758 \uc9d1\uc911\ub3c4\ub97c \ubcf4\uc774\uba70, \uc0c1\uc704 5\uac1c \uc911\uac1c\uc778\uc774 \uc804 \uc138\uacc4 \uc218\uc218\ub8cc \uc218\uc775\uc758 \uc808\ubc18 \uc774\uc0c1\uc744 \ucc28\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. Marsh McLennan\uacfc Arthur J. Gallagher\uc640 \uac19\uc740 \ub300\ud615 \ud50c\ub808\uc774\uc5b4\ub294 AI, \ub370\uc774\ud130, \uc0ac\uc774\ubc84 \ubcf4\uc548 \ud22c\uc790\uc5d0 \ud544\uc694\ud55c \uaddc\ubaa8\uc758 \uc774\uc810\uc744 \ud65c\uc6a9\ud569\ub2c8\ub2e4. \ud2b9\ud788 Arthur J. Gallagher\ub294 331\uac74\uc758 \uc778\uc218\ud569\ubcd1\uc744 \ud1b5\ud574 \uc9c0\uc5ed \uc2dc\uc7a5\uc744 \ud1b5\ud569\ud558\uba70 \uacbd\uc7c1\ub825\uc744 \uac15\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uae30\uc220 \ucc44\ud0dd\uc740 \ud601\uc2e0\uacfc \ud6a8\uc728\uc131\uc744 \uc774\ub044\ub294 \ud575\uc2ec \uacbd\uc7c1 \uc694\uc18c\uc785\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac 99.1%\uac00 \uc0dd\uc131\ud615 AI \uc774\ub2c8\uc154\ud2f0\ube0c\ub97c \uc2dc\uc791\ud568\uc5d0 \ub530\ub77c, \uc911\uac1c\uc778\ub4e4\uc740 \uc778\uc218 \uacb0\uc815 \uc5d4\uc9c4\uacfc \ubcf4\ud5d8\uc0ac API\ub97c \uc870\ud654\uc2dc\ucf1c \uc911\uac1c \ub9c8\ucc30\uc744 \uc904\uc774\uace0 \uc6b4\uc601 \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub97c \uac1c\uc120\ud558\uba70 \uacc4\uc57d \uccb4\uacb0\ub960\uc744 \ub192\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ubaa8 \ud380\ub4dc \uc790\ubcf8 \uc720\uc785\uc740 \uc2dc\uc7a5 \uad6c\uc870\ub97c \ubcc0\ud654\uc2dc\ud0a4\uace0 \uc788\uc73c\uba70, Brown &#038; Brown\uc758 Accession Risk Management Group \uc778\uc218\uc640 \uac19\uc740 \ub300\uaddc\ubaa8 \uac70\ub798\ub294 \uaddc\ubaa8 \ud655\uc7a5\uacfc \ud1b5\ud569\uc758 \uc911\uc694\uc131\uc744 \uac15\uc870\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub370\uc774\ud130\uac00 \ud48d\ubd80\ud558\uace0 \ud2b9\uc218 \ubd84\uc57c\uc5d0 \uc9d1\uc911\ud558\ub294 \uae30\uc5c5\ub4e4\uc740 \ub192\uc740 \uac00\uce58\ub97c \uc778\uc815\ubc1b\uc73c\uba70 \uc608\uce21 \ubd84\uc11d, \uc790\ub3d9\ud654\ub41c \ubb38\uc11c \uc218\uc9d1, \ubaa8\ub4c8\ud615 \uc815\ucc45 \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc758 \ud1b5\ud569\uc744 \uac00\uc18d\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0 \uc9c0\uc5ed \uc911\uac1c\uc778\ub4e4\uc740 \ucee8\uc18c\uc2dc\uc5c4\uc744 \uad6c\uc131\ud558\uc5ec \uc7ac\ubcf4\ud5d8 \uc5ed\ub7c9\uc744 \ud611\uc0c1\ud568\uc73c\ub85c\uc368 \ub3c5\ub9bd\uc131\uc744 \uc720\uc9c0\ud558\uba74\uc11c\ub3c4 \uaddc\ubaa8\uc758 \ub2e8\uc810\uc744 \uc0c1\uc1c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc778\ub3c4\uc758 Prudent Insurance Brokers\uc640 \uac19\uc740 \uc2e0\ud765 \uc2dc\uc7a5 \uac15\uc790\ub4e4\ub3c4 \ub7f0\ub358 \uc2dc\uc7a5 \uc778\uc218\ub97c \ud1b5\ud574 \uae00\ub85c\ubc8c \uc804\ubb38\uc131\uc744 \ud655\ubcf4\ud558\uba70 \uacbd\uc7c1\ub825\uc744 \uac15\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uae30\uc5c5:<\/p>\n<p>Acrisure LLC, Aon plc, Arthur J. Gallagher &#038; Co., Brown &#038; Brown Inc., HUB International Ltd.<\/p>\n<p>\ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5:<\/p>\n<p>*   2025\ub144 2\uc6d4: Bridge Specialty Group, Nationwide Brokerage Solutions \uc778\uc218 \ubc1c\ud45c.<br \/>\n*   2025\ub144 1\uc6d4: Brown &#038; Brown, Accession Risk Management Group\uc744 \uc57d 100\uc5b5 \ub2ec\ub7ec\uc5d0 \uc778\uc218 \ud569\uc758.<br \/>\n*   2024\ub144 12\uc6d4: Arthur J. Gallagher, AssuredPartners\ub97c 134\uc5b5 5\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0 \uc778\uc218 \ubc1c\ud45c.<br \/>\n*   2024\ub144 11\uc6d4: Marsh McLennan, McGriff Insurance Services, LLC \uc778\uc218 \uc644\ub8cc.<\/p>\n<p>\uc774\ub7ec\ud55c \uc6c0\uc9c1\uc784\uc740 \uc2dc\uc7a5 \ub0b4 \uaddc\ubaa8 \ud655\uc7a5\uacfc \uc11c\ube44\uc2a4 \uac15\ud654, \uae00\ub85c\ubc8c \uc785\uc9c0 \ud655\ub300\ub97c \uc704\ud55c \uc804\ub7b5\uc801 \ud1b5\ud569\uc744 \ubc18\uc601\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774 \ubcf4\uace0\uc11c\ub294 \uae00\ub85c\ubc8c \ubcf4\ud5d8 \uc911\uac1c \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ubcf4\ud5d8 \uc911\uac1c\uc778\uc740 \uace0\uac1d\uc744 \uc704\ud574 \ub2e4\uc591\ud55c \ubcf4\ud5d8 \uc0c1\ud488\uc744 \ud310\ub9e4\ud558\uace0 \ud611\uc0c1\ud558\ub294 \uc5ed\ud560\uc744 \ud558\uba70, \ubcf8 \ubcf4\uace0\uc11c\ub294 \uc774\ub4e4\uc758 \uc911\uc694\uc131\uc744 \uc0c1\uc138\ud788 \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n<p>\uae00\ub85c\ubc8c \ubcf4\ud5d8 \uc911\uac1c \uc2dc\uc7a5\uc740 2026\ub144 3,592\uc5b5 7\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 2031\ub144 5,624\uc5b5 8\ucc9c\ub9cc \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \ud2b9\ud788 \uc0ac\uc774\ubc84, \ud574\uc591, \ud56d\uacf5 \uc704\ud5d8\uc774 \uc8fc\ub3c4\ud558\ub294 \ud2b9\uc218 \ubcf4\ud5d8(Specialty Lines) \ubd80\ubb38\uc740 \uc5f0\ud3c9\uade0 8.22%\uc758 \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5\uc758 \uc8fc\uc694 \uc131\uc7a5 \ub3d9\ub825\uc73c\ub85c\ub294 \uc2e0\ud765 \uc2dc\uc7a5\uc758 \uc0dd\uba85 \ubcf4\ud5d8 \uc218\uc694 \uc99d\uac00, \ub514\uc9c0\ud138\ud654 \uac00\uc18d\ud654 \ubc0f \uc778\uc288\uc5b4\ud14c\ud06c(InsurTech) \ud30c\ud2b8\ub108\uc2ed \ud655\ub300, \uaddc\uc81c \ubcf5\uc7a1\uc131\uc73c\ub85c \uc778\ud55c \uc804\ubb38 \uc790\ubb38 \ud544\uc694\uc131 \uc99d\ub300, \uc0ac\uc774\ubc84 \ubcf4\ud5d8 \ubc30\uce58 \uc218\uc694 \ud3ed\uc99d, \uc7ac\ud574(CAT)\ub85c \uc778\ud55c E&#038;S(Excess &#038; Surplus) \uc2dc\uc7a5 \ud655\uc7a5, \uadf8\ub9ac\uace0 \uc784\ubca0\ub514\ub4dc \uae08\uc735 API\ub97c \ud1b5\ud55c \uc0c8\ub85c\uc6b4 \uc911\uac1c \uc218\uc775\uc6d0 \ucc3d\ucd9c \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubc18\uba74, \uc2dc\uc7a5\uc758 \uc81c\uc57d \uc694\uc778\uc73c\ub85c\ub294 \uc218\uc218\ub8cc \uc555\ubc15 \ubc0f \uc6b4\uc601 \ube44\uc6a9 \uc0c1\uc2b9, \uc9c1\uc811\/\uc784\ubca0\ub514\ub4dc \ucc44\ub110\uc744 \ud1b5\ud55c \uc911\uac1c \ubc30\uc81c(Disintermediation), \uae00\ub85c\ubc8c \uc911\uac1c\uc778 \uc778\ub825 \ubd80\uc871 \ubc0f \uace0\ub839\ud654, \uadf8\ub9ac\uace0 \uc778\ub3c4 \ub4f1 \uc77c\ubd80 \uc9c0\uc5ed\uc5d0\uc11c\uc758 \uc911\uac1c \uc218\uc218\ub8cc \uc0c1\ud55c\uc81c \ub3c4\uc785 \ub4f1\uc774 \uc9c0\uc801\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\ud5a5\uc73c\ub85c\ub294 \ubcf5\uc7a1\ud55c \uc704\ud5d8\uc744 \uc804\ubb38\uc801\uc73c\ub85c \ucc98\ub9ac\ud558\ub294 \ub3c4\ub9e4 \uc911\uac1c(Wholesale Brokerage) \uc2dc\uc7a5\uc774 2024\ub144 \uc789\uc5ec \ubcf4\ud5d8\ub8cc(surplus-lines premiums) 1,156\uc5b5 \ub2ec\ub7ec\ub97c \uae30\ub85d\ud558\uba70 \uc18c\ub9e4 \uc911\uac1c\ubcf4\ub2e4 \ube60\ub974\uac8c \ud655\uc7a5\ud558\uace0 \uc788\ub2e4\ub294 \uc810\uc785\ub2c8\ub2e4. \ub610\ud55c, \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8 \ucc44\ub110\uc740 2031\ub144\uae4c\uc9c0 \uc804 \uc138\uacc4 \uc190\ud574\ubcf4\ud5d8(P&#038;C) \ubcf4\ud5d8\ub8cc\uc758 \ucd5c\ub300 700\uc5b5 \ub2ec\ub7ec\ub97c \uc804\ud658\uc2dc\ud0ac \uc218 \uc788\uc5b4, \uc911\uac1c\uc778\ub4e4\uc774 API \uae30\ubc18 \uc5ed\ub7c9\uacfc \uc790\ubb38 \uc624\ubc84\ub808\uc774\ub97c \ud1b5\ud569\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc778\uacf5\uc9c0\ub2a5(AI)\uc758 \uc5ed\ud560\ub3c4 \uc911\uc694\ud574\uc9c0\uace0 \uc788\ub294\ub370, \ubcf4\ud5d8\uc0ac\uc758 99.1%\uac00 \uc0dd\uc131\ud615 AI \ub3c4\uad6c\ub97c \uc2dc\ud5d8 \uc911\uc774\uba70, \uc911\uac1c\uc778\ub4e4\uc740 AI\ub97c \ud65c\uc6a9\ud558\uc5ec \uc77c\uc0c1\uc801\uc778 \uc778\uc218 \uc5c5\ubb34\ub97c \uc790\ub3d9\ud654\ud558\uace0 \uc608\uce21 \ubd84\uc11d\uc744 \ud1b5\ud574 \ubc30\uce58 \uc2dc\uac04\uc744 \ub2e8\ucd95\ud558\uba70 \uc790\ubb38 \uac00\uce58\ub97c \ub192\uc5ec \uacbd\uc7c1\ub825\uc744 \uac15\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcc4\ub85c\ub294 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \uaddc\uc81c \uc644\ud654, \ub514\uc9c0\ud138 \uc778\ud504\ub77c \ud22c\uc790, GDP \ub300\ube44 \ub0ae\uc740 \ubcf4\ud5d8 \uce68\ud22c\uc728\uc5d0 \ud798\uc785\uc5b4 7.12%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uac00\uc7a5 \uac15\ub825\ud55c \uc131\uc7a5 \uc804\ub9dd\uc744 \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\uace0\uc11c\ub294 \ubcf4\ud5d8 \uc720\ud615(\uc0dd\uba85, \uc190\ud574, \uac74\uac15, \ud2b9\uc218, \uc7ac\ubcf4\ud5d8), \uc911\uac1c \uc720\ud615(\uc18c\ub9e4, \ub3c4\ub9e4, \uae30\ud0c0), \ubcf4\ud5d8\uc0ac(\ubbfc\uac04, \uacf5\uacf5\/\ube44\uc601\ub9ac), \uadf8\ub9ac\uace0 \ubd81\ubbf8, \ub0a8\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74 \ub4f1 \uad11\ubc94\uc704\ud55c \uc9c0\uc5ed\ubcc4\ub85c \uc2dc\uc7a5\uc744 \uc138\ubd84\ud654\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4. \ub610\ud55c Acrisure, Aon, Marsh McLennan \ub4f1 \uc8fc\uc694 20\uac1c \uae30\uc5c5\uc758 \ud504\ub85c\ud544\uc744 \ud3ec\ud568\ud55c \uacbd\uc7c1 \ud658\uacbd, \uc2dc\uc7a5 \uc9d1\uc911\ub3c4, \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784, \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uc2dc\uc7a5\uc758 \ubbf8\uac1c\ucc99 \uc601\uc5ed\uacfc \ucda9\uc871\ub418\uc9c0 \uc54a\uc740 \uc694\uad6c \uc0ac\ud56d\uc744 \ud3c9\uac00\ud558\uc5ec \uc7a0\uc7ac\uc801\uc778 \uc131\uc7a5 \ub3d9\ub825\uc744 \uc81c\uc2dc\ud558\uba70 \ubbf8\ub798 \uc804\ub9dd \ubc0f \uae30\ud68c \ubd84\uc11d\uc744 \ub2e4\ub8f9\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-42102","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\/42102"}],"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=42102"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/42102\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=42102"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=42102"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=42102"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}