{"id":42469,"date":"2026-02-14T06:12:59","date_gmt":"2026-02-14T06:12:59","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/global-insurtech-market-mordor\/"},"modified":"2026-10-02T20:05:49","modified_gmt":"2026-10-02T11:05:49","slug":"global-insurtech-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/global-insurtech-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \uc778\uc288\uc5b4\ud14c\ud06c \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\/global-insurtech-market-1751618184624-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\/global-insurtech-market-size-image-1770819437765.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. \uacbd\uc601\uc9c4 \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 \ubcf4\ud5d8 \uc778\uc218 \ubc0f \uccad\uad6c\uc5d0 AI &amp; ML \ucc44\ud0dd \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.2 \uac1c\uc778 \ub9de\ucda4\ud615 \uc628\ub514\ub9e8\ub4dc \ubcf4\ud5d8 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.3 \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ud575\uc2ec \uc2dc\uc2a4\ud15c\uc73c\ub85c\uc758 \uc804\ud658 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.4 \uc81c\ud488 \ucd9c\uc2dc\ub97c \uac00\uc18d\ud654\ud558\ub294 \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4<\/li>\n<li class=\"toc-level-3\">4.2.5 \ubaa8\ube4c\ub9ac\ud2f0 &amp; IoT \ud50c\ub7ab\ud3fc\uacfc\uc758 \ub370\uc774\ud130 \ud30c\ud2b8\ub108\uc2ed<\/li>\n<li class=\"toc-level-3\">4.2.6 \uc784\ubca0\ub514\ub4dc \uc720\ud1b5 \ubaa8\ub378\uc758 \uae09\uc18d\ud55c \uc131\uc7a5<\/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 \ub808\uac70\uc2dc \ud575\uc2ec \uc2dc\uc2a4\ud15c \ud1b5\ud569 \ubcf5\uc7a1\uc131<\/li>\n<li class=\"toc-level-3\">4.3.2 \uaddc\uc81c &amp; \uaddc\uc815 \uc900\uc218 \ud30c\ud3b8\ud654<\/li>\n<li class=\"toc-level-3\">4.3.3 MGA\ub97c \uc704\ud55c \uc7ac\ubcf4\ud5d8 \uc5ed\ub7c9 \uc81c\uc57d<\/li>\n<li class=\"toc-level-3\">4.3.4 &#8220;\ubaa8\ub4e0 \ube44\uc6a9\uc744 \uac10\uc218\ud558\ub294 \uc131\uc7a5&#8221;\uc5d0\uc11c \uc218\uc775\uc131\uc73c\ub85c\uc758 \ud22c\uc790\uc790 \uc804\ud658<\/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 \uad6c\ub9e4\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.2 \uacf5\uae09\uc5c5\uccb4\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.3 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/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 \ud22c\uc790 &amp; \uc790\uae08 \uc870\ub2ec \ud658\uacbd<\/li>\n<li class=\"toc-level-2\">4.9 \uc2a4\ud0c0\ud2b8\uc5c5 \uc0dd\ud0dc\uacc4 \ubd84\uc11d<\/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<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \uc81c\ud488 \ub77c\uc778\ubcc4 (\ubcf4\ud5d8 \uc720\ud615)\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 \uac74\uac15 \ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">5.1.3 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8 (P&amp;C): \uc790\ub3d9\ucc28, \uc8fc\ud0dd, \uc0c1\uc5c5, \ucc45\uc784 \ub4f1<\/li>\n<li class=\"toc-level-3\">5.1.4 \ud2b9\uc218 \ubcf4\ud5d8 (\uc608: \uc0ac\uc774\ubc84, \ubc18\ub824\ub3d9\ubb3c, \ud574\uc0c1, \uc5ec\ud589)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \uc720\ud1b5 \ucc44\ub110\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \uc18c\ube44\uc790 \uc9c1\uc811 \ud310\ub9e4 (D2C) \ub514\uc9c0\ud138<\/li>\n<li class=\"toc-level-3\">5.2.2 \ud1b5\ud569 \ud50c\ub7ab\ud3fc\/\ub9c8\ucf13\ud50c\ub808\uc774\uc2a4<\/li>\n<li class=\"toc-level-3\">5.2.3 \ub514\uc9c0\ud138 \ube0c\ub85c\ucee4\/MGA<\/li>\n<li class=\"toc-level-3\">5.2.4 \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8 \ud50c\ub7ab\ud3fc<\/li>\n<li class=\"toc-level-3\">5.2.5 \uc804\ud1b5\uc801\uc778 \uc5d0\uc774\uc804\ud2b8\/\ube0c\ub85c\ucee4 (\ub514\uc9c0\ud138 \uc9c0\uc6d0)<\/li>\n<li class=\"toc-level-3\">5.2.6 \ubc29\uce74\uc288\ub791\uc2a4 (\ub514\uc9c0\ud138 \uc9c0\uc6d0)<\/li>\n<li class=\"toc-level-3\">5.2.7 \uae30\ud0c0 \ucc44\ub110<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uc18c\ub9e4\/\uac1c\uc778<\/li>\n<li class=\"toc-level-3\">5.3.2 \uc911\uc18c\uae30\uc5c5\/\uc0c1\uc5c5<\/li>\n<li class=\"toc-level-3\">5.3.3 \ub300\uae30\uc5c5\/\ubc95\uc778<\/li>\n<li class=\"toc-level-3\">5.3.4 \uc815\ubd80\/\uacf5\uacf5 \ubd80\ubb38<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \uc9c0\uc5ed\ubcc4 (\uac00\uce58, \uc2ed\uc5b5 \ub2ec\ub7ec)\n<ul>\n<li class=\"toc-level-3\">5.4.1 \ubd81\ubbf8<\/li>\n<li class=\"toc-level-4\">5.4.1.1 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.4.1.2 \ubbf8\uad6d<\/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 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.3.2 \ub3c5\uc77c<\/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 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.4.3.5 \uc774\ud0c8\ub9ac\uc544<\/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 (\ub374\ub9c8\ud06c, \ud540\ub780\ub4dc, \uc544\uc774\uc2ac\ub780\ub4dc, \ub178\ub974\uc6e8\uc774, \uc2a4\uc6e8\ub374)<\/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 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.4.4.2 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.4.3 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.4.4.4 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.4.4.5 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.4.6 \ub3d9\ub0a8\uc544\uc2dc\uc544 (\uc2f1\uac00\ud3ec\ub974, \ub9d0\ub808\uc774\uc2dc\uc544, \ud0dc\uad6d, \uc778\ub3c4\ub124\uc2dc\uc544, \ubca0\ud2b8\ub0a8, \ud544\ub9ac\ud540)<\/li>\n<li class=\"toc-level-4\">5.4.4.7 \uc544\uc2dc\uc544-\ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.5 \uc911\ub3d9 \ubc0f \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 \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 &amp; \uac1c\ubc1c<\/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 \ud68c\uc0ac \ud504\ub85c\ud544 (\uae00\ub85c\ubc8c \uc218\uc900 \uac1c\uc694, \uc2dc\uc7a5 \uc218\uc900 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc0ac\uc6a9 \uac00\ub2a5\ud55c \uc7ac\ubb34 \uc815\ubcf4, \uc804\ub7b5 \uc815\ubcf4, \uc8fc\uc694 \uae30\uc5c5\uc758 \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 &amp; \uc11c\ube44\uc2a4, \ubc0f \ucd5c\uadfc \uac1c\ubc1c \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.4.1 \ub808\ubaa8\ub124\uc774\ub4dc<\/li>\n<li class=\"toc-level-3\">6.4.2 \ud558\ub9c8 \ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.3 \ub8e8\ud2b8 \ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.4 \uc624\uc2a4\uce74 \ud5ec\uc2a4<\/li>\n<li class=\"toc-level-3\">6.4.5 \ube0c\ub77c\uc774\ud2b8 \ud5ec\uc2a4<\/li>\n<li class=\"toc-level-3\">6.4.6 \ud074\ub85c\ubc84 \ud5ec\uc2a4<\/li>\n<li class=\"toc-level-3\">6.4.7 \ub125\uc2a4\ud2b8 \ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.8 \uc911\uc548<\/li>\n<li class=\"toc-level-3\">6.4.9 \uc704\ud3ed\uc2a4<\/li>\n<li class=\"toc-level-3\">6.4.10 \uc54c\ub780<\/li>\n<li class=\"toc-level-3\">6.4.11 \ub514\ubcf4\ud2f0\ub4dc \ud5ec\uc2a4<\/li>\n<li class=\"toc-level-3\">6.4.12 \ucf54\uc5bc\ub9ac\uc158<\/li>\n<li class=\"toc-level-3\">6.4.13 \uc2ac\ub77c\uc774\uc2a4 \ub7a9\uc2a4<\/li>\n<li class=\"toc-level-3\">6.4.14 \uba54\ud2b8\ub85c\ub9c8\uc77c<\/li>\n<li class=\"toc-level-3\">6.4.15 \ud3f4\ub9ac\uc2dc\ubc14\uc790\ub974<\/li>\n<li class=\"toc-level-3\">6.4.16 \ub514\uc9c0\ud2b8 \ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.17 \ub9e4\ub2c8\ud3ab\uce20<\/li>\n<li class=\"toc-level-3\">6.4.18 \ud30c\uc774 \ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.19 \ub3c4\ub9c8<\/li>\n<li class=\"toc-level-3\">6.4.20 \ud0a8 \ubcf4\ud5d8<\/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 &amp; \ubbf8\ub798 \uc804\ub9dd<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc778\uc288\uc5b4\ud14c\ud06c \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d \u2013 \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc608\uce21 (2026-2031)<\/p>\n<p>1. \uc2dc\uc7a5 \uac1c\uc694 \ubc0f \uc131\uc7a5 \uc804\ub9dd<\/p>\n<p>\uc778\uc288\uc5b4\ud14c\ud06c(Insurtech) \uc2dc\uc7a5\uc740 2025\ub144 1\uc870 1,900\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2026\ub144 1\uc870 3,400\uc5b5 \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud558\uc5ec, 2031\ub144\uc5d0\ub294 2\uc870 4,400\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc608\uce21 \uae30\uac04(2026-2031\ub144) \ub3d9\uc548 \uc5f0\ud3c9\uade0 12.72%\uc758 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uc804\ub9dd\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae09\uaca9\ud55c \uc131\uc7a5\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc815\ucc45\uc744 \uc124\uacc4, \uc720\ud1b5, \uc11c\ube44\uc2a4\ud558\ub294 \ubc29\uc2dd\uc758 \uad6c\uc870\uc801 \ubcc0\ud654\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4. \ub514\uc9c0\ud138 \uc6b0\uc120 \uacbd\ud5d8\uc774 \ud544\uc218\uc801\uc778 \uc694\uc18c\uac00 \ub418\uba74\uc11c, \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \uc804\ud658, AI \uae30\ubc18 \ubcf4\ud5d8 \uc778\uc218 \uc2ec\uc0ac, \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8 \ub4f1\uc774 \uc2dc\ubc94 \ub2e8\uacc4\ub97c \ub118\uc5b4 \uae30\uc5c5 \ud45c\uc900\uc73c\ub85c \uc790\ub9ac \uc7a1\uc558\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc6b4\uc601 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uace0, \uc2dc\uc7a5 \ucd9c\uc2dc \uc18d\ub3c4\ub97c \ub192\uc774\uba70, \uc0c8\ub85c\uc6b4 \uace0\uac1d\uce35\uc5d0 \ub3c4\ub2ec\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \ub610\ud55c, 10\uc5ec \uac1c \uc774\uc0c1\uc758 \uad00\ud560 \uad6c\uc5ed\uc5d0\uc11c \uc815\ubd80 \uc0cc\ub4dc\ubc15\uc2a4\uac00 \uc194\ub8e8\uc158 \ucd9c\uc2dc\ub97c \uac00\uc18d\ud654\ud588\uc73c\uba70, \ubaa8\ube4c\ub9ac\ud2f0 \ubc0f IoT \ud50c\ub7ab\ud3fc\uacfc\uc758 \uc804\ub7b5\uc801 \ud30c\ud2b8\ub108\uc2ed\uc740 \uc790\ub3d9\ucc28 \ubc0f \uc7ac\uc0b0 \ubcf4\ud5d8 \ubd84\uc57c\uc758 \uc704\ud5d8 \ud3c9\uac00\ub97c \uc7ac\uc815\uc758\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc81c \uacbd\uc7c1 \uc6b0\uc704\ub294 \ub2e8\uc21c\ud788 \ub300\ucc28\ub300\uc870\ud45c \uaddc\ubaa8\uac00 \uc544\ub2cc, \ub370\uc774\ud130 \uc811\uadfc\uc131, \ud50c\ub7ab\ud3fc \ubbfc\ucca9\uc131, \uadf8\ub9ac\uace0 \ube44\ubcf4\ud5d8 \uad6c\ub9e4 \uc5ec\uc815\uc5d0 \ubcf4\ud5d8\uc744 \uc6d0\ud65c\ud558\uac8c \ud1b5\ud569\ud558\ub294 \ub2a5\ub825\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>2. \uc8fc\uc694 \ubcf4\uace0\uc11c \uc694\uc57d<\/p>\n<p>*   \uc0c1\ud488\uad70\ubcc4: \uc190\ud574\ubcf4\ud5d8(Property &#038; Casualty)\uc774 2025\ub144 \uc778\uc288\uc5b4\ud14c\ud06c \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 58.73%\ub97c \ucc28\uc9c0\ud558\uba70 \uc120\ub450\ub97c \uc720\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \ud2b9\uc218 \ubcf4\ud5d8(Specialty Lines)\uc740 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 18.63%\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   \uc720\ud1b5 \ucc44\ub110\ubcc4: \uc804\ud1b5\uc801\uc778 \uc5d0\uc774\uc804\ud2b8\/\ube0c\ub85c\ucee4\uac00 2025\ub144 \uc778\uc288\uc5b4\ud14c\ud06c \uc2dc\uc7a5 \ub9e4\ucd9c\uc758 40.62%\ub97c \uc810\uc720\ud588\uc73c\ub098, \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8 \ud50c\ub7ab\ud3fc\uc740 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 16.78%\ub85c \ube60\ub974\uac8c \ubc1c\uc804\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4: \uac1c\uc778\/\uc18c\ub9e4(Retail\/Individual) \uc815\ucc45\uc774 2025\ub144 \uc778\uc288\uc5b4\ud14c\ud06c \uc2dc\uc7a5 \uc218\uc694\uc758 67.08%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, \uc911\uc18c\uae30\uc5c5\/\uc0c1\uc5c5(SME\/Commercial) \ubd80\ubb38\uc740 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 15.18%\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<br \/>\n*   \uc9c0\uc5ed\ubcc4: \ubd81\ubbf8\uac00 2025\ub144 \uc778\uc288\uc5b4\ud14c\ud06c \uc2dc\uc7a5\uc758 37.25%\ub97c \ucc28\uc9c0\ud588\uc73c\ub098, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 2026\ub144\ubd80\ud130 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 16.25%\ub85c \uac00\uc7a5 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>3. \uae00\ub85c\ubc8c \uc778\uc288\uc5b4\ud14c\ud06c \uc2dc\uc7a5 \ub3d9\ud5a5 \ubc0f \ud1b5\ucc30 (\uc131\uc7a5 \ub3d9\ub825)<\/p>\n<p>*   AI \ubc0f \uba38\uc2e0\ub7ec\ub2dd(ML)\uc758 \ubcf4\ud5d8 \uc778\uc218 \uc2ec\uc0ac \ubc0f \uccad\uad6c \ucc98\ub9ac \ub3c4\uc785 \uc99d\uac00: AI \uae30\ubc18 \uc758\uc0ac\uacb0\uc815 \uc5d4\uc9c4\uc740 \uc815\ucc45 \ubc1c\ud589 \ubc0f \uccad\uad6c \ubd84\ub958\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc744 \uc790\ub3d9\ud654\ud558\uc5ec \ucc98\ub9ac \uc2dc\uac04\uc744 \ub2e8\ucd95\ud558\uace0 \uc608\uce21 \uc815\ud655\ub3c4\ub97c \ub192\uc785\ub2c8\ub2e4. \uc2a4\uc704\uc2a4 \ub9ac(Swiss Re)\uc758 \uc0ac\ub840\ucc98\ub7fc \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \uccad\uad6c \ubd84\uc11d\uc73c\ub85c \uc778\ud504\ub77c \uc790\ub3d9\ud654\ub97c \ud1b5\ud574 \ud3c9\uac00 \uc2dc\uac04\uc744 \uc808\ubc18\uc73c\ub85c \uc904\uc77c \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774 \uae30\uc220\uc740 \ub610\ud55c \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubaa8\ube4c\ub9ac\ud2f0 \ubcf4\ud5d8\uacfc \uac19\uc740 \ub9c8\uc774\ud06c\ub85c-\uae30\uac04 \uc0c1\ud488\uc744 \uac00\ub2a5\ud558\uac8c \ud558\uba70, \uaddc\uc81c \ub2f9\uad6d\uc774 \uc124\uba85 \uac00\ub2a5\ud55c \ubaa8\ub378\uc5d0 \uc775\uc219\ud574\uc9d0\uc5d0 \ub530\ub77c \uac1c\uc778 \uc790\ub3d9\ucc28, \uc18c\uaddc\ubaa8 \uc0c1\uc5c5 \ubc0f \uc0ac\uc774\ubc84 \ubcf4\ud5d8 \ubd84\uc57c\uc5d0\uc11c AI \uce68\ud22c\uac00 \uac00\uc7a5 \ube60\ub974\uac8c \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   \uac1c\uc778 \ub9de\ucda4\ud615 \uc628\ub514\ub9e8\ub4dc \ubcf4\ud5d8 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\uac00: \uc18c\ube44\uc790\ub4e4\uc774 \uc804\uc790\uc0c1\uac70\ub798\uc640 \uc720\uc0ac\ud558\uac8c \ubcf4\ud5d8\uc744 \uc27d\uac8c \uc120\ud0dd\ud558\uae30\ub97c \uae30\ub300\ud558\uba74\uc11c \ub098\ud0c0\ub0a9\ub2c8\ub2e4. \uc54c\ub9ac\uc548\uce20(Allianz)\uc640 \ucf54\uc2a4\ubaa8 \ucee4\ub125\ud2f0\ub4dc(Cosmo Connected)\uc758 \ud30c\ud2b8\ub108\uc2ed\uc740 \ucee4\ub125\ud2f0\ub4dc \ud5ec\uba67\uc5d0 \uc0ac\uace0 \ubcf4\ud5d8\uc744 \uc6d4\uc815\uc561\uc73c\ub85c \uc784\ubca0\ub4dc\ud558\uc5ec IoT \ub370\uc774\ud130\uac00 \uc11c\ub958 \uc791\uc5c5 \uc5c6\uc774 \uc790\ub3d9 \uc815\ucc45 \ud65c\uc131\ud654\ub97c \uc720\ub3c4\ud558\ub294 \uc0ac\ub840\uc785\ub2c8\ub2e4. \ud30c\ub77c\uba54\ud2b8\ub9ad \uc0c1\ud488\uc740 \ubbf8\ub9ac \uc815\uc758\ub41c \ud2b8\ub9ac\uac70\uac00 \ubc1c\uc0dd\ud558\uba74 \uc9c0\uae09\ub418\uc5b4 \uae34 \uccad\uad6c \uc870\uc815 \uacfc\uc815\uc744 \ud53c\ud560 \uc218 \uc788\uc5b4 \uc5ec\ud589, \ub18d\uc5c5, \uae30\ud6c4 \uc704\ud5d8 \ubd84\uc57c\uc758 \uaca9\ucc28\ub97c \uba54\uc6b0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ud575\uc2ec \uc2dc\uc2a4\ud15c\uc73c\ub85c\uc758 \uc804\ud658 \uc99d\uac00: \uc6b4\uc601\uc0c1\uc758 \ud544\uc218 \uacfc\uc81c\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4. CFO\ub4e4\uc740 \ub450 \uc790\ub9bf\uc218 \ube44\uc6a9 \uc808\uac10\uc744 \ubaa9\ud45c\ub85c \ud558\uace0, CIO\ub4e4\uc740 AI \ud655\uc7a5\uc744 \uc704\ud55c \ud0c4\ub825\uc801\uc778 \ucef4\ud4e8\ud305\uc744 \ucd94\uad6c\ud569\ub2c8\ub2e4. \ub9c1\ucee8 \ud30c\uc774\ub0b8\uc15c \uadf8\ub8f9(Lincoln Financial Group)\uc740 120\uac1c\uc758 \uc628\ud504\ub808\ubbf8\uc2a4 \uc2dc\uc2a4\ud15c\uc744 2\ub144 \uc774\ub0b4\uc5d0 \uba40\ud2f0 \ud074\ub77c\uc6b0\ub4dc \uc544\ud0a4\ud14d\ucc98\ub85c \uc804\ud658\ud588\uc2b5\ub2c8\ub2e4. \uc720\ub7fd\uc758 \uc545\uc0ac \ub3c5\uc77c(AXA Germany)\uc740 \ud074\ub77c\uc6b0\ub4dc \uc804\ud658 \ud6c4 \ubc30\uce58 \ucc98\ub9ac \uc18d\ub3c4\ub97c 25% \ud5a5\uc0c1\uc2dc\ucf30\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4\uc758 \ud655\uc0b0: \uc18c\ube44\uc790 \ubcf4\ud638\ub97c \uc800\ud574\ud558\uc9c0 \uc54a\uc73c\uba74\uc11c \ud601\uc2e0\uc744 \ucd09\uc9c4\ud569\ub2c8\ub2e4. \uc601\uad6d \uae08\uc735\uac10\ub3c5\uccad(FCA)\uc758 \uc0cc\ub4dc\ubc15\uc2a4\ub294 2025\ub144\uc5d0 3\uac1c\uc758 \uc0c8\ub85c\uc6b4 \uc778\uc288\uc5b4\ud14c\ud06c \uae30\uc5c5\uc744 \uc2b9\uc778\ud558\uc5ec \uac10\ub3c5 \ud558\uc5d0 \uc81c\ud55c\ub41c \ubc94\uc704\uc758 \ud30c\uc77c\ub7ff\uc744 \uac00\ub2a5\ud558\uac8c \ud588\uc2b5\ub2c8\ub2e4. \ubbf8\uad6d \ucf04\ud130\ud0a4\uc8fc\uc758 \ubcf4\ud5d8 \ud601\uc2e0 \uc0cc\ub4dc\ubc15\uc2a4\ub294 \uc2dc\uac04 \uc81c\ud55c\uc774 \uc788\ub294 \uaddc\uc81c \uc644\ud654\ub97c \uc81c\uacf5\ud558\uc5ec \uc804\uad6d\uc801\uc778 \ud655\uc7a5\uc744 \ubaa8\uc0c9\ud558\ub294 \uc2a4\ud0c0\ud2b8\uc5c5\uc744 \uc720\uce58\ud569\ub2c8\ub2e4.<br \/>\n*   \ubaa8\ube4c\ub9ac\ud2f0 \ubc0f IoT \ud50c\ub7ab\ud3fc\uacfc\uc758 \ub370\uc774\ud130 \ud30c\ud2b8\ub108\uc2ed: \uc2e4\uc2dc\uac04 \uc704\ud5d8 \ud3c9\uac00 \ubc0f \ub9de\ucda4\ud615 \uc0c1\ud488 \uac1c\ubc1c\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \uc774\ub294 \ud2b9\ud788 \uc790\ub3d9\ucc28 \ubc0f \uc7ac\uc0b0 \ubcf4\ud5d8 \ubd84\uc57c\uc5d0\uc11c \uc911\uc694\ud558\uba70, \uc0c8\ub85c\uc6b4 \ub370\uc774\ud130 \uc18c\uc2a4\ub97c \ud1b5\ud574 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ubcf4\ub2e4 \uc815\ud655\ud55c \uac00\uaca9 \ucc45\uc815\uacfc \uac1c\uc778\ud654\ub41c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc784\ubca0\ub514\ub4dc \uc720\ud1b5 \ubaa8\ub378\uc758 \uae09\uc18d\ud55c \uc131\uc7a5: \ubcf4\ud5d8\uc774 \ube44\ubcf4\ud5d8 \uad6c\ub9e4 \uacfc\uc815\uc5d0 \uc790\uc5f0\uc2a4\ub7fd\uac8c \ud1b5\ud569\ub418\ub294 \ucd94\uc138\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4. \uc804\uc790\uc0c1\uac70\ub798, \ud56d\uacf5\uad8c \uc608\ub9e4, \ucc28\ub7c9 \uacf5\uc720 \uc571 \ub4f1\uc5d0\uc11c \uc6d0\ud074\ub9ad \ubcf4\ud5d8 \uac00\uc785\uc774 \uac00\ub2a5\ud574\uc9c0\uba74\uc11c, \uc218\ub3d9 \ud504\ub85c\uc138\uc2a4\uc5d0 \ube44\ud574 \uacac\uc801\ubd80\ud130 \uacc4\uc57d\uae4c\uc9c0\uc758 \uc2dc\uac04\uc774 \ud06c\uac8c \ub2e8\ucd95\ub429\ub2c8\ub2e4.<\/p>\n<p>4. \uc2dc\uc7a5 \uc131\uc7a5 \uc81c\uc57d \uc694\uc778<\/p>\n<p>*   \ub808\uac70\uc2dc \ud575\uc2ec \uc2dc\uc2a4\ud15c \ud1b5\ud569\uc758 \ubcf5\uc7a1\uc131: \uc218\uc2ed \ub144 \ub41c \uba54\uc778\ud504\ub808\uc784\uc740 \ud604\ub300\uc801\uc778 API\uac00 \ubd80\uc871\ud558\uc5ec \uc2e4\uc2dc\uac04 \ub370\uc774\ud130 \uad50\ud658\uc744 \uc5b4\ub835\uace0 \ube44\uc6a9\uc774 \ub9ce\uc774 \ub4e4\uac8c \ud569\ub2c8\ub2e4. \uc774\ub294 \uc804\uba74\uc801\uc778 \uad50\uccb4\uc640 \uc810\uc9c4\uc801\uc778 \uac1c\uc120 \uc0ac\uc774\uc758 \uc5b4\ub824\uc6b4 \uc120\ud0dd\uc744 \uac15\uc694\ud558\uba70, \uc2e4\ud328\ud55c \uc804\ud658\uc740 \uace0\uac1d \uc2e0\ub8b0\ub97c \uc800\ud574\ud558\uace0 \uaddc\uc81c \ub2f9\uad6d\uc758 \uc870\uc0ac\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uaddc\uc81c \ubc0f \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ud30c\ud3b8\ud654: \uc740\ud589\uacfc \ub2ec\ub9ac \ubcf4\ud5d8\uc740 \uae00\ub85c\ubc8c \ubc14\uc824(Basel) \uc2a4\ud0c0\uc77c\uc758 \ud611\uc57d\uc774 \uc5c6\uc5b4 \uc790\ubcf8, \uc9c0\uae09 \ub2a5\ub825, \uc720\ud1b5 \uaddc\uce59\uc774 \ud06c\uac8c \ub2e4\ub985\ub2c8\ub2e4. \uc5ec\ub7ec \uad00\ud560 \uad6c\uc5ed\uc73c\ub85c \ud655\uc7a5\ud558\ub294 \uae30\uc5c5\uc740 \uad6d\uac00\ubcc4\ub85c \uc815\ucc45 \ubb38\uad6c, \uacf5\uac1c \ud615\uc2dd, \ubd88\ub9cc \ucc98\ub9ac \uc808\ucc28\ub97c \ub9de\ucda4\ud654\ud574\uc57c \ud558\ubbc0\ub85c \uc11c\ube44\uc2a4 \ube44\uc6a9\uc774 \uc99d\uac00\ud569\ub2c8\ub2e4.<br \/>\n*   \uc7ac\ubcf4\ud5d8 \uc5ed\ub7c9 \uc81c\uc57d: \ud2b9\ud788 MGA(Managing General Agents)\uc5d0\uac8c \uc601\ud5a5\uc744 \ubbf8\uce58\uba70, \uc774\ub294 \uc0c8\ub85c\uc6b4 \ubcf4\ud5d8 \uc0c1\ud488\uc758 \ucd9c\uc2dc\uc640 \ud655\uc7a5\uc744 \uc5b4\ub835\uac8c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc218\uc775\uc131 \uc911\uc2ec\uc758 \ud22c\uc790 \uc804\ud658: \ud22c\uc790\uc790\ub4e4\uc774 &#8216;\uc131\uc7a5 \uc6b0\uc120&#8217;\uc5d0\uc11c &#8216;\uc218\uc775\uc131 \uc6b0\uc120&#8217;\uc73c\ub85c\uc804\ud658\ud558\uba74\uc11c, \ubcf4\ud5d8 \uae30\uc220 \uc2a4\ud0c0\ud2b8\uc5c5\ub4e4\uc740 \uc790\uae08 \uc870\ub2ec\uc5d0 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \uc778\uc288\uc5b4\ud14c\ud06c \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc778 \ubd84\uc11d\uc744 \uc81c\uacf5\ud558\uba70, \uc778\uc288\uc5b4\ud14c\ud06c\ub97c \ubcf4\ud5d8 \uc0b0\uc5c5\uc758 \ud6a8\uc728\uc131\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\ub294 \uae30\uc220 \uc11c\ube44\uc2a4\ub85c \uc815\uc758\ud569\ub2c8\ub2e4. \uc2dc\uc7a5 \ub3d9\ud5a5, \uc2e0\ud765 \ubd80\ubb38 \ud3c9\uac00, \uc5ed\ub3d9\uc801\uc778 \ubcc0\ud654, \uc2dc\uc7a5 \ud1b5\ucc30\ub825 \ubc0f \uc804\ubc18\uc801\uc778 \uac1c\uc694\ub97c \ub2e4\ub8e8\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc778\uc288\uc5b4\ud14c\ud06c \uc2dc\uc7a5\uc740 2026\ub144 1.34\uc870 \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 12.72%\uc758 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud558\uba70 2.44\uc870 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \ub3d9\uc778\uc73c\ub85c\ub294 \uc778\uacf5\uc9c0\ub2a5(AI) \ubc0f \uba38\uc2e0\ub7ec\ub2dd(ML)\uc758 \ubcf4\ud5d8 \uc778\uc218 \ubc0f \uccad\uad6c \ucc98\ub9ac \uacfc\uc815\uc5d0\uc11c\uc758 \ucc44\ud0dd \uc99d\uac00, \uac1c\uc778 \ub9de\ucda4\ud615 \uc628\ub514\ub9e8\ub4dc \ubcf4\ud5d8 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\ub300, \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ud575\uc2ec \uc2dc\uc2a4\ud15c\uc73c\ub85c\uc758 \uc804\ud658 \uac00\uc18d\ud654, \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4\ub97c \ud1b5\ud55c \uc2e0\uc81c\ud488 \ucd9c\uc2dc \ucd09\uc9c4, \ubaa8\ube4c\ub9ac\ud2f0 \ubc0f \uc0ac\ubb3c \uc778\ud130\ub137(IoT) \ud50c\ub7ab\ud3fc\uacfc\uc758 \ub370\uc774\ud130 \ud30c\ud2b8\ub108\uc2ed \ud655\ub300, \uadf8\ub9ac\uace0 \uc784\ubca0\ub514\ub4dc \uc720\ud1b5 \ubaa8\ub378\uc758 \uae09\uc18d\ud55c \uc131\uc7a5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubc18\uba74, \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\uc73c\ub85c\ub294 \ub808\uac70\uc2dc \ud575\uc2ec \uc2dc\uc2a4\ud15c \ud1b5\ud569\uc758 \ubcf5\uc7a1\uc131, \uaddc\uc81c \ubc0f \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4\uc758 \ud30c\ud3b8\ud654, MGA(Managing General Agent)\uc5d0 \ub300\ud55c \uc7ac\ubcf4\ud5d8 \uc5ed\ub7c9 \uc81c\uc57d, \uadf8\ub9ac\uace0 \ud22c\uc790\uc790\ub4e4\uc774 &#8216;\uc131\uc7a5 \uc6b0\uc120&#8217;\uc5d0\uc11c &#8216;\uc218\uc775\uc131 \uc911\uc2ec&#8217;\uc73c\ub85c \uc804\ub7b5\uc744 \uc804\ud658\ud558\ub294 \ucd94\uc138 \ub4f1\uc774 \uc9c0\uc801\ub429\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \uc2dc\uc7a5\uc744 \ub2e4\uc591\ud55c \uae30\uc900\uc73c\ub85c \uc138\ubd84\ud654\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4. \uc0c1\ud488 \ub77c\uc778\ubcc4\ub85c\ub294 \uc0dd\uba85\ubcf4\ud5d8, \uac74\uac15\ubcf4\ud5d8, \uc190\ud574\ubcf4\ud5d8(\uc790\ub3d9\ucc28, \uc8fc\ud0dd, \uc0c1\uc5c5, \ucc45\uc784 \ub4f1), \uadf8\ub9ac\uace0 \uc0ac\uc774\ubc84, \ubc18\ub824\ub3d9\ubb3c, \ud574\uc591, \uc5ec\ud589 \ubcf4\ud5d8\uacfc \uac19\uc740 \ud2b9\uc218 \ubcf4\ud5d8\uc73c\ub85c \ub098\ub269\ub2c8\ub2e4. \uc720\ud1b5 \ucc44\ub110\ubcc4\ub85c\ub294 D2C(Direct-to-Consumer) \ub514\uc9c0\ud138, \uc560\uadf8\ub9ac\uac8c\uc774\ud130\/\ub9c8\ucf13\ud50c\ub808\uc774\uc2a4, \ub514\uc9c0\ud138 \ube0c\ub85c\ucee4\/MGA, \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8 \ud50c\ub7ab\ud3fc, \ub514\uc9c0\ud138 \uc5ed\ub7c9\uc744 \uac16\ucd98 \uc804\ud1b5 \uc5d0\uc774\uc804\ud2b8\/\ube0c\ub85c\ucee4, \ubc29\uce74\uc288\ub791\uc2a4 \ubc0f \uae30\ud0c0 \ucc44\ub110\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4\ub85c\ub294 \uc18c\ub9e4\/\uac1c\uc778, \uc911\uc18c\uae30\uc5c5\/\uc0c1\uc5c5, \ub300\uae30\uc5c5\/\ubc95\uc778, \uc815\ubd80\/\uacf5\uacf5 \ubd80\ubb38\uc73c\ub85c \uad6c\ubd84\ub418\uba70, \uc9c0\ub9ac\uc801\uc73c\ub85c\ub294 \ubd81\ubbf8, \ub0a8\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544\ud0dc\ud3c9\uc591, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74 \uc9c0\uc5ed\uc73c\ub85c \uc138\ubd84\ud654\ud558\uc5ec \uac01 \uc9c0\uc5ed\ubcc4 \uc2dc\uc7a5 \uaddc\ubaa8\uc640 \uc804\ub9dd\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\ud788, \ud2b9\uc218 \ubcf4\ud5d8(\uc0ac\uc774\ubc84, \ubc18\ub824\ub3d9\ubb3c, \ud574\uc591, \uc5ec\ud589 \ub4f1)\uc740 \uc5f0\ud3c9\uade0 18.63%\uc758 \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\ub960\uc744 \ubcf4\uc774\uba70 \uae30\uc874 \uc190\ud574\ubcf4\ud5d8 \uc0c1\ud488\uc758 \uc131\uc7a5\uc138\ub97c \ub2a5\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc720\ud1b5 \ubaa8\ub378\uc5d0\uc11c\ub294 \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8 \ud50c\ub7ab\ud3fc\uc774 \uc804\uc790\uc0c1\uac70\ub798, \uc5ec\ud589, SaaS \uc6cc\ud06c\ud50c\ub85c\uc6b0\uc5d0 \ubcf4\ud5d8\uc744 \uc9c1\uc811 \ud1b5\ud569\ud558\uba70 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 16.78%\uc758 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc9c0\uc5ed\ubcc4\ub85c\ub294 \uc2a4\ub9c8\ud2b8\ud3f0 \uc911\uc2ec\uc758 \uc18c\ube44\uc790\uce35, \uc6b0\ud638\uc801\uc778 \ud540\ud14c\ud06c \uc815\ucc45, \uadf8\ub9ac\uace0 \ub0ae\uc740 \uae30\uc874 \ubcf4\ud5d8 \uce68\ud22c\uc728\uc5d0 \ud798\uc785\uc5b4 \uc544\uc2dc\uc544\ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \uc5f0\ud3c9\uade0 16.25%\uc758 \uc131\uc7a5\ub960\ub85c \uace0\uc131\uc7a5 \uc9c0\uc5ed\uc73c\ub85c \ubd80\uc0c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uad6d\uc81c\uc801 \ud655\uc7a5\uc744 \uc2dc\ub3c4\ud558\ub294 \uc778\uc288\uc5b4\ud14c\ud06c \uae30\uc5c5\ub4e4\uc740 \ud30c\ud3b8\ud654\ub41c \uaddc\uc81c \uccb4\uc81c, \ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c \ud1b5\ud569\uc758 \uc5b4\ub824\uc6c0, \uadf8\ub9ac\uace0 \ubcc0\ub3d9\uc131 \uc788\ub294 \uc7ac\ubcf4\ud5d8 \uc5ed\ub7c9 \ub4f1\uc758 \uc8fc\uc694 \uc7a5\ubcbd\uc5d0 \uc9c1\uba74\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uacbd\uc7c1 \ud658\uacbd\uc740 \uc911\uac04 \uc815\ub3c4\uc758 \ud30c\ud3b8\ud654\ub97c \ubcf4\uc774\uba70, \uc0c1\uc704 5\uac1c \ucc38\uc5ec \uae30\uc5c5\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728\uc774 \ub192\uc9c0 \uc54a\uc544 \ucc28\ubcc4\ud654\ub97c \uc704\ud55c \ucda9\ubd84\ud55c \uae30\ud68c\uac00 \uc874\uc7ac\ud569\ub2c8\ub2e4. \ubcf4\uace0\uc11c\uc5d0\ub294 Lemonade, Hippo Insurance, Root Insurance \ub4f1 \uc8fc\uc694 20\uac1c \uae30\uc5c5\uc758 \ud504\ub85c\ud544\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacb0\ub860\uc801\uc73c\ub85c, \uc778\uc288\uc5b4\ud14c\ud06c \uc2dc\uc7a5\uc740 \uae30\uc220 \ud601\uc2e0\uacfc \uc18c\ube44\uc790 \uc218\uc694 \ubcc0\ud654\uc5d0 \ud798\uc785\uc5b4 \uacac\uace0\ud55c \uc131\uc7a5\uc138\ub97c \uc774\uc5b4\uac08 \uac83\uc774\uba70, \ubbf8\uac1c\ucc99 \uc2dc\uc7a5\uacfc \ucda9\uc871\ub418\uc9c0 \uc54a\uc740 \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub300\ud55c \ud3c9\uac00\ub97c \ud1b5\ud574 \uc0c8\ub85c\uc6b4 \uae30\ud68c\ub97c \ubaa8\uc0c9\ud560 \uc218 \uc788\uc744 \uac83\uc785\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-42469","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\/42469"}],"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=42469"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/42469\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=42469"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=42469"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=42469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}