{"id":46028,"date":"2026-02-19T03:31:52","date_gmt":"2026-02-19T03:31:52","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/global-reinsurance-market-mordor\/"},"modified":"2026-09-25T20:49:29","modified_gmt":"2026-09-25T11:49:29","slug":"global-reinsurance-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/global-reinsurance-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2026-2031\ub144)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/global-reinsurance-market-1750070132194-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-reinsurance-market-size-image-1769153341534.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. \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 \uacbd\uc81c\uad6d\uc758 \ubcf4\ud5d8 \ubcf4\uae09\ub960 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.2 \uae30\ud6c4 \uad00\ub828 \uc790\uc5f0\uc7ac\ud574 \uc190\uc2e4 \uc99d\uac00\ub85c \uc218\uc694 \uc0c1\uc2b9<\/li>\n<li class=\"toc-level-3\">4.2.3 IFRS 17 \uc774\ud6c4 \uc6d0\ubcf4\ud5d8\uc0ac\uc758 \uc790\ubcf8 \uc644\ucda9\uc561 \ubd80\uc871<\/li>\n<li class=\"toc-level-3\">4.2.4 \uacbd\uc0c9 \uc2dc\uc7a5 \uac00\uaca9 \ucc45\uc815 \uc8fc\uae30\uac00 \uc7ac\ubcf4\ud5d8\uc0ac \uc218\uc775 \uc99d\ub300<\/li>\n<li class=\"toc-level-3\">4.2.5 \ud30c\ub77c\uba54\ud2b8\ub9ad \ubc0f \uc0ac\uc774\ubc84 \uc7ac\ubcf4\ud5d8 \ud601\uc2e0 (\uacfc\uc18c \ubcf4\uace0\ub428)<\/li>\n<li class=\"toc-level-3\">4.2.6 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ud50c\ub7ab\ud3fc\uc758 \uc18c\uc561 \uc704\ud5d8 \ud480 \uc591\ub3c4 (\uacfc\uc18c \ubcf4\uace0\ub428)<\/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 \uc9c0\uc815\ud559\uc801 \ubc0f \uac70\uc2dc \uacbd\uc81c\uc801 \ubcc0\ub3d9\uc131<\/li>\n<li class=\"toc-level-3\">4.3.2 \uaddc\uc81c \uc790\ubcf8 \uc81c\uc57d (Solvency II, RBC)<\/li>\n<li class=\"toc-level-3\">4.3.3 ILS \ud22c\uc790\uc790\uc758 \uc704\ud5d8-\uc218\uc775 \ud53c\ub85c (\uacfc\uc18c \ubcf4\uace0\ub428)<\/li>\n<li class=\"toc-level-3\">4.3.4 AI \uae30\ubc18 \ubaa8\ub378 \uc704\ud5d8 \ubc0f \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \uc7a5\uc560\ubb3c (\uacfc\uc18c \ubcf4\uace0\ub428)<\/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<li class=\"toc-level-2\">4.8 \uc8fc\uc694 \uc2dc\uc7a5 \uc704\ud5d8 \ubc0f \uc601\ud5a5 \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 \uc7ac\ubcf4\ud5d8 \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \uc784\uc758 \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">5.1.2 \ud2b9\uc57d \uc7ac\ubcf4\ud5d8<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \uc0ac\uc5c5 \ubd80\ubb38\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \uc7ac\uc0b0 &amp; \uc0c1\ud574<\/li>\n<li class=\"toc-level-3\">5.2.2 \uc0dd\uba85 &amp; \uac74\uac15<\/li>\n<li class=\"toc-level-3\">5.2.3 \ud2b9\uc218 (\ud56d\uacf5, \ud574\uc591, \uc5d0\ub108\uc9c0)<\/li>\n<li class=\"toc-level-3\">5.2.4 \uae30\ud0c0<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \uc720\ud1b5 \ucc44\ub110\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uc9c1\uc811 \uc778\uc218<\/li>\n<li class=\"toc-level-3\">5.3.2 \uc911\uac1c\uc778 \ub9e4\uac1c<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \uc790\ubcf8\uc6d0\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \uc804\ud1b5\uc801\uc778 \ub4f1\uae09 \uc7ac\ubcf4\ud5d8\uc0ac<\/li>\n<li class=\"toc-level-3\">5.4.2 \ub300\uccb4 \uc790\ubcf8 (ILS, \uc0ac\uc774\ub4dc\uce74)<\/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 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.5.3.5 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.5.3.6 \ub7ec\uc2dc\uc544<\/li>\n<li class=\"toc-level-4\">5.5.3.7 \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 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.5.4.3 \uc77c\ubcf8<\/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 &amp; \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.5.5.1 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-4\">5.5.5.2 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.5.5.3 \ub0a8\uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.5.5.4 \uc911\ub3d9 &amp; \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, \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, \ucd5c\uadfc \uac1c\ubc1c \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.4.1 \ubb8c\ud5e8 \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.2 \uc2a4\uc704\uc2a4 \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.3 \ud558\ub178\ubc84 \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.4 \ubc84\ud06c\uc154 \ud574\uc11c\uc6e8\uc774 \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.5 \uc2a4\ucf54\ub974 SE<\/li>\n<li class=\"toc-level-3\">6.4.6 \ub85c\uc774\uc988<\/li>\n<li class=\"toc-level-3\">6.4.7 \uc911\uad6d \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.8 \ubbf8\uad6d \uc7ac\ubcf4\ud5d8 \uadf8\ub8f9<\/li>\n<li class=\"toc-level-3\">6.4.9 \uc5d0\ubca0\ub808\uc2a4\ud2b8 \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.10 \ud30c\ud2b8\ub108 \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.11 \ub974\ub124\uc0c1\uc2a4 \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.12 \uc19c\ud3ec \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.13 \uc545\uc0ac XL \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.14 \uc81c\ub108\ub7f4 \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.15 \ub3c4\ucfc4 \ud574\uc0c1 \ud0ac\ub978 \/ TMR<\/li>\n<li class=\"toc-level-3\">6.4.16 \ub9f5\ud504\ub808 \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.17 QBE \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.18 \ucf54\ub9ac\uc548\ub9ac<\/li>\n<li class=\"toc-level-3\">6.4.19 \ud53c\ud06c \uc7ac\ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">6.4.20 \uc624\ub514\uc138\uc774 \uc7ac\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>\uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc608\uce21 (2026-2031)<\/p>\n<p># 1. \uc2dc\uc7a5 \uac1c\uc694 \ubc0f \uc8fc\uc694 \uc218\uce58<\/p>\n<p>\uae00\ub85c\ubc8c \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc740 2026\ub144 5,080\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2031\ub144\uae4c\uc9c0 6,910\uc5b5 \ub2ec\ub7ec\uc5d0 \ub3c4\ub2ec\ud558\uba70, \uc608\uce21 \uae30\uac04(2026-2031) \ub3d9\uc548 \uc5f0\ud3c9\uade0 6.34%\uc758 \uacac\uace0\ud55c \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc774 \uc2dc\uc7a5\uc740 \uc7ac\ubcf4\ud5d8 \uc720\ud615(\uc784\uc758 \uc7ac\ubcf4\ud5d8, \ud2b9\uc57d \uc7ac\ubcf4\ud5d8), \uc0ac\uc5c5 \ubd80\ubb38(\uc190\ud574 \ubc0f \uc0c1\ud574, \uc0dd\uba85 \ubc0f \uac74\uac15 \ub4f1), \uc720\ud1b5 \ucc44\ub110(\uc9c1\uc811 \ucd9c\uc7ac, \uc911\uac1c\uc778 \ub9e4\uac1c), \uc790\ubcf8 \ucd9c\ucc98(\uc804\ud1b5\uc801\uc778 \uc2e0\uc6a9 \ub4f1\uae09 \uc7ac\ubcf4\ud5d8\uc0ac, \ub300\uccb4 \uc790\ubcf8) \ubc0f \uc9c0\uc5ed(\ubd81\ubbf8, \uc720\ub7fd, \ub0a8\ubbf8, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74)\ubcc4\ub85c \uc138\ubd84\ud654\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \uc218\uce58 (2026-2031):<br \/>\n*   \uc870\uc0ac \uae30\uac04: 2020 &#8211; 2031\ub144<br \/>\n*   2026\ub144 \uc2dc\uc7a5 \uaddc\ubaa8: 5,080\uc5b5 \ub2ec\ub7ec<br \/>\n*   2031\ub144 \uc2dc\uc7a5 \uaddc\ubaa8: 6,910\uc5b5 \ub2ec\ub7ec<br \/>\n*   \uc131\uc7a5\ub960 (2026-2031): 6.34% (\uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960)<br \/>\n*   \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5: \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<br \/>\n*   \uac00\uc7a5 \ud070 \uc2dc\uc7a5: \uc720\ub7fd<br \/>\n*   \uc2dc\uc7a5 \uc9d1\uc911\ub3c4: \uc911\uac04<\/p>\n<p># 2. \uc2dc\uc7a5 \ubd84\uc11d \ubc0f \uc8fc\uc694 \ub3d9\ud5a5<\/p>\n<p>\uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc740 \uc99d\uac00\ud558\ub294 \uc790\uc5f0\uc7ac\ud574 \uc190\uc2e4, IFRS 17\uc5d0 \ub530\ub978 \uac15\ud654\ub41c \uc790\ubcf8 \uaddc\uc81c, \uadf8\ub9ac\uace0 \uc6b0\ud638\uc801\uc778 \uac00\uaca9 \ucc45\uc815 \uc8fc\uae30\uac00 \ub9de\ubb3c\ub824 \uc131\uc219 \uc2dc\uc7a5\uacfc \uc2e0\ud765 \uc2dc\uc7a5 \ubaa8\ub450\uc5d0\uc11c \uc6d0\ubcf4\ud5d8\uc0ac\uc5d0\uac8c \ud544\uc218\uc801\uc778 \uc5ed\ub7c9\uc73c\ub85c \uc790\ub9ac\ub9e4\uae40\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uacbd\uc0c9\ub41c \uc2dc\uc7a5 \uac00\uaca9 \ucc45\uc815(hard-market pricing)\uc740 \ubcf4\ud5d8 \uc778\uc218 \uc218\uc775\uc131\uc744 \ud68c\ubcf5\uc2dc\ucf30\uc73c\uba70, \ud22c\uc790\uc790\ub4e4\uc774 \ub354\uc6b1 \uc120\ubcc4\uc801\uc73c\ub85c \uc811\uadfc\ud568\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ub300\uccb4 \uc790\ubcf8\uc740 \uc804\ubc18\uc801\uc778 \uc2dc\uc7a5 \uc5ed\ub7c9\uc744 \ud655\ub300\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc0ac\uc774\ubc84 \uc704\ud5d8\uacfc \uac19\uc740 \ud2b9\uc218 \uc704\ud5d8\uc758 \uae09\uaca9\ud55c \uc99d\uac00\ub294 \uc804\ud1b5\uc801\uc778 \ubcf4\ud5d8\ub9cc\uc73c\ub85c\ub294 \ubcf4\uc7a5 \uc218\uc694\ub97c \ucda9\uc871\ud558\uae30 \uc5b4\ub824\uc6b4 \uc0c1\ud669\uc744 \ub9cc\ub4e4\uba70 \uc7ac\ubcf4\ud5d8 \uc218\uc694\ub97c \ub354\uc6b1 \uc99d\ud3ed\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubc30\uacbd \uc18d\uc5d0\uc11c \uc7ac\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ub9c8\uc9c4\uc744 \uc720\uc9c0\ud558\uace0 \uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0\uc744 \ucc3d\ucd9c\ud558\uae30 \uc704\ud574 \ub514\uc9c0\ud138 \uc804\ud658\uc744 \uac00\uc18d\ud654\ud558\uace0, \ud30c\ub77c\uba54\ud2b8\ub9ad \ud2b8\ub9ac\uac70\ub97c \ub3c4\uc785\ud558\uba70, \ucd9c\uc7ac\uc0ac(cedents)\uc640\uc758 \uc9c1\uc811\uc801\uc778 \uad00\uacc4\ub97c \ud655\ub300\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \ubcf4\uace0\uc11c \uc694\uc57d:<br \/>\n*   \uc7ac\ubcf4\ud5d8 \uc720\ud615\ubcc4: 2024\ub144 \ud2b9\uc57d \uc7ac\ubcf4\ud5d8\uc774 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc758 76.20%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, \uc784\uc758 \uc7ac\ubcf4\ud5d8\uc740 2030\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 8.05%\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   \uc0ac\uc5c5 \ubd80\ubb38\ubcc4: 2024\ub144 \uc190\ud574 \ubc0f \uc0c1\ud574 \ubd80\ubb38\uc774 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc758 62.40%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, \ud2b9\uc218 \ubcf4\ud5d8 \ubd80\ubb38\uc740 2030\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 11.18%\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<br \/>\n*   \uc720\ud1b5 \ucc44\ub110\ubcc4: 2024\ub144 \uc911\uac1c\uc778 \ub9e4\uac1c \ucd9c\uc7ac\uac00 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc758 83.56%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, \uc9c1\uc811 \ucd9c\uc7ac\ub294 2030\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 8.65%\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   \uc790\ubcf8 \ucd9c\ucc98\ubcc4: 2024\ub144 \uc804\ud1b5\uc801\uc778 \uc2e0\uc6a9 \ub4f1\uae09 \uc7ac\ubcf4\ud5d8\uc0ac\uac00 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc758 81.24%\ub97c \uc720\uc9c0\ud588\uc73c\uba70, \ub300\uccb4 \uc790\ubcf8\uc740 2030\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 13.98%\ub85c \ube60\ub974\uac8c \ud655\uc7a5\ub420 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.<br \/>\n*   \uc9c0\uc5ed\ubcc4: 2024\ub144 \uc720\ub7fd\uc774 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5 \uc810\uc720\uc728 31.40%\ub85c \uc120\ub450\ub97c \ub2ec\ub838\uc73c\uba70, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591\uc740 2030\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 7.23%\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p># 3. \uae00\ub85c\ubc8c \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5 \ub3d9\ud5a5 \ubc0f \ud1b5\ucc30\ub825<\/p>\n<p> 3.1. \uc2dc\uc7a5 \uc131\uc7a5 \ub3d9\uc778<\/p>\n<p>*   \uc2e0\ud765 \uacbd\uc81c\uad6d\uc758 \ubcf4\ud5d8 \uce68\ud22c\uc728 \uc99d\uac00: \uc778\ub3c4, \uc911\uad6d \ub4f1 \uace0\uc131\uc7a5 \uc2dc\uc7a5\uc5d0\uc11c \ubcf4\ud5d8 \uac00\uc785\uc774 \uc9c0\uc18d\uc801\uc73c\ub85c \uc99d\uac00\ud558\uba70 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc758 \uc218\uc694\ub97c \uacac\uc778\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc778\ub3c4\ub294 2020\ub144\ub300 \ub9d0\uae4c\uc9c0 \uc138\uacc4 3\uc704\uc758 \ubcf4\ud5d8 \uc2dc\uc7a5\uc774 \ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uac74\uac15 \ubc0f \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uc0c1\ud488\uc774 \uaddc\uc81c \ub2f9\uad6d\uc758 \uc7a5\ub824\uc5d0 \ud798\uc785\uc5b4 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uad6d\uc758 \ud64d\ucf69 \uae30\ubc18 \uc7ac\ubcf4\ud5d8\uc0ac\uc5d0 \ub300\ud55c \uc6b0\ub300 \uc815\ucc45\uc740 \uae08\uc735 \uc11c\ube44\uc2a4 \ud1b5\ud569\uacfc \ud574\uc678 \uc790\ubcf8 \uc811\uadfc\uc744 \ubaa9\ud45c\ub85c \ud569\ub2c8\ub2e4. \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc758 \uae09\uaca9\ud55c \uc0ac\uc774\ubc84 \uc704\ud5d8 \uc99d\uac00\ub294 \uc7ac\ubcf4\ud5d8 \uc131\uc7a5\uc758 \ub610 \ub2e4\ub978 \ucd09\ub9e4\uc81c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<br \/>\n*   \uae30\ud6c4 \uad00\ub828 \uc790\uc5f0\uc7ac\ud574 \uc190\uc2e4 \uc99d\uac00: 2024\ub144\uc740 \uae30\ub85d\uc0c1 \uac00\uc7a5 \ud070 \uc190\uc2e4\uc744 \uae30\ub85d\ud55c \ud574 \uc911 \ud558\ub098\ub85c, \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc758 \uc704\ud5d8 \uc804\uac00 \uc5ed\ud560\uc774 \ub354\uc6b1 \uc911\uc694\ud574\uc84c\uc2b5\ub2c8\ub2e4. \uc2ec\uac01\ud55c \ub300\ub958\uc131 \ud3ed\ud48d\uc758 \ube48\ub3c4 \uc99d\uac00\ub294 \uc190\uc2e4 \ubc94\uc704\ub97c \ud655\ub300\ud558\uace0 \uc788\uc73c\uba70, \ud22c\uc790\uc790\ub4e4\uc740 \uc774\ub7ec\ud55c \uc7ac\ud574 \ud65c\ub3d9\uc744 \uc77c\uc2dc\uc801\uc778 \ubcc0\ub3d9\uc131\uc774 \uc544\ub2cc \uad6c\uc870\uc801 \ubcc0\ud654\ub85c \uc778\uc2dd\ud558\uc5ec \uc7ac\ud574 \ucc44\uad8c \ubc0f \ub2f4\ubcf4 \uc7ac\ubcf4\ud5d8\uc758 \uac00\uaca9 \uc7ac\uc870\uc815\uc744 \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   IFRS 17 \ub3c4\uc785 \ud6c4 \uc6d0\ubcf4\ud5d8\uc0ac\uc758 \uc790\ubcf8 \uc644\ucda9 \uc7a5\uce58 \uac15\ud654: IFRS 17\uc740 \uc774\uc775 \uc778\uc2dd \ubc0f \uacc4\uc57d \uacbd\uacc4\ub97c \ubcc0\uacbd\ud558\uc5ec \uc790\ubcf8 \uc644\ucda9 \uc7a5\uce58\ub97c \uc555\ubc15\ud558\uace0 \uc6d0\ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ub354 \ub9ce\uc740 \uc704\ud5d8\uc744 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc73c\ub85c \uc804\uac00\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0c8\ub85c\uc6b4 \uae30\uc900\uc5d0 \ub530\ub77c \ube44\uc0dd\uba85 \ubcf4\ud5d8 \ubd80\ucc44\uac00 9.5% \uc99d\uac00\ud558\ub294 \ub4f1 \uc790\ubcf8\uc5d0 \ubd88\uade0\ud615\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\uc73c\uba70, \uacc4\uc57d \uc11c\ube44\uc2a4 \ub9c8\uc9c4(CSM)\uc740 \uc774\uc775 \uc2e4\ud604\uc744 \uc5f0\uae30\uc2dc\ucf1c \uc6d0\ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc218\uc775\uc744 \ud3c9\uc900\ud654\ud558\uae30 \uc704\ud574 \ucffc\ud130\uc250\uc5b4(quota-share) \uad6c\uc870\ub97c \ubaa8\uc0c9\ud558\uac8c \ud569\ub2c8\ub2e4.<br \/>\n*   \uacbd\uc0c9\ub41c \uc2dc\uc7a5 \uac00\uaca9 \ucc45\uc815 \uc8fc\uae30\ub85c \uc778\ud55c \uc7ac\ubcf4\ud5d8\uc0ac \uc218\uc775 \uc99d\ub300: \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc740 \uc5ec\ub7ec \uac31\uc2e0 \uc8fc\uae30 \ub3d9\uc548 \ub450 \uc790\ub9bf\uc218 \uc99d\uac00\uc728\uc744 \uae30\ub85d\ud55c \ud6c4 2025\ub144\uc5d0\ub3c4 \uc5ec\uc804\ud788 \uacac\uace0\ud55c \uc694\uc728\uc744 \uc720\uc9c0\ud558\uba70 \ub300\ubd80\ubd84\uc758 \uc7ac\ubcf4\ud5d8\uc0ac\uc5d0\uc11c \ubcf4\ud5d8 \uc778\uc218 \ub9c8\uc9c4\uc744 \ub192\uc600\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ubb8c\ud5e8 \uc7ac\ubcf4\ud5d8(Munich Re), \uc2a4\uc704\uc2a4 \uc7ac\ubcf4\ud5d8(Swiss Re), \ud558\ub178\ubc84 \uc7ac\ubcf4\ud5d8(Hannover Re) \ub4f1 \uc8fc\uc694 \uc7ac\ubcf4\ud5d8\uc0ac\ub4e4\uc758 \ub192\uc740 \uc21c\uc774\uc775\uacfc \ub0ae\uc740 \ud569\uc0b0\ube44\uc728\ub85c \uc785\uc99d\ub429\ub2c8\ub2e4.<br \/>\n*   \ud30c\ub77c\uba54\ud2b8\ub9ad \ubc0f \uc0ac\uc774\ubc84 \uc7ac\ubcf4\ud5d8 \ud601\uc2e0: \uac1d\uad00\uc801\uc778 \ud2b8\ub9ac\uac70\uc5d0 \ub530\ub77c \uc2e0\uc18d\ud558\uac8c \uc9c0\uae09\ub418\ub294 \ud30c\ub77c\uba54\ud2b8\ub9ad \ubcf4\ud5d8\uc740 \ubcf4\ud638 \uaca9\ucc28\ub97c \ud574\uc18c\ud558\ub294 \ub370 \uae30\uc5ec\ud558\uba70 \ud655\uc0b0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud55c \ub9c8\uc774\ud06c\ub85c \uc704\ud5d8 \ud480 \ucd9c\uc7ac: \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ud50c\ub7ab\ud3fc\uc740 \uc18c\uaddc\ubaa8 \uc704\ud5d8 \ud480\uc758 \ucd9c\uc7ac\ub97c \uac00\ub2a5\ud558\uac8c \ud558\uc5ec \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc758 \uc0c8\ub85c\uc6b4 \uae30\ud68c\ub97c \ucc3d\ucd9c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p> 3.2. \uc2dc\uc7a5 \uc131\uc7a5 \uc81c\uc57d \uc694\uc778<\/p>\n<p>*   \uc9c0\uc815\ud559\uc801 \ubc0f \uac70\uc2dc \uacbd\uc81c\uc801 \ubcc0\ub3d9\uc131: \uc9c0\uc815\ud559\uc801 \uae34\uc7a5 \uace0\uc870\uc640 \ubd88\uade0\uc77c\ud55c \uac70\uc2dc \uacbd\uc81c \uc0c1\ud669\uc740 \uc6d0\ubcf4\ud5d8 \uc131\uc7a5\uc744 \uc57d\ud654\uc2dc\ud0a4\uace0 \uad6d\uacbd \uac04 \uc7ac\ubcf4\ud5d8 \ucd9c\uc7ac\ub97c \ubcf5\uc7a1\ud558\uac8c \ub9cc\ub4ed\ub2c8\ub2e4. \ud1b5\ud654 \ubcc0\ub3d9\uacfc \uc778\ud50c\ub808\uc774\uc158\uc740 \ubaa8\ub378 \uc704\ud5d8\uc744 \uc720\ubc1c\ud558\uba70, \ubb34\uc5ed \ub9c8\ucc30\uc740 \uaddc\uc81c \uac80\uc0ac\ub97c \ucd94\uac00\ud558\uc5ec \ucd9c\uc7ac \uc77c\uc815\uc744 \uc9c0\uc5f0\uc2dc\ud0a4\uace0 \uaddc\uc815 \uc900\uc218 \ube44\uc6a9\uc744 \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4.<br \/>\n*   \uaddc\uc81c \uc790\ubcf8 \uc81c\uc57d (Solvency II, RBC): EU\uc758 Solvency II \uac1c\ud601 \ucd08\uc548\uc740 \uc7a5\uae30 \uc704\ud5d8\uc5d0 \ub300\ud55c \uc790\ubcf8 \ubd80\ub2f4\uc744 \ub192\uc77c \uc218 \uc788\uc73c\uba70, \uc601\uad6d\uc758 Solvency UK\ub294 \uc774\uc911 \uaddc\uc815 \uc900\uc218\ub97c \uc694\uad6c\ud558\uc5ec \uc2dc\uc7a5 \ubd84\uc5f4\uc744 \uc57c\uae30\ud569\ub2c8\ub2e4. \ubbf8\uad6d\uc5d0\uc11c\ub294 NAIC\uc758 \uc0c8\ub85c\uc6b4 RBC \ud0dc\uc2a4\ud06c\ud3ec\uc2a4\uac00 \uc7ac\ubcf4\ud5d8 \ud68c\uc218 \uac00\ub2a5\uc131\uc5d0 \ub300\ud55c \uac10\ub3c5 \uac15\ud654\ub97c \uc2dc\uc0ac\ud558\uba70 \ub2f4\ubcf4 \ud504\ub808\uc784\uc6cc\ud06c\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   ILS \ud22c\uc790\uc790\ub4e4\uc758 \uc704\ud5d8-\uc218\uc775 \ud53c\ub85c\ub3c4: \uc5f0\uc18d\uc801\uc778 \uc190\uc2e4 \uc5f0\ub3c4 \uc774\ud6c4 \ud22c\uc790\uc790\ub4e4\uc758 \ud53c\ub85c\ub3c4\ub294 \uc790\ubcf8 \ud6a8\uc728\uc131\uc744 \uc120\ud638\ud558\ub294 \ub354 \uc5c4\uaca9\ud55c \uc870\uac74\uc758 \ub2e4\ub144 \uad6c\uc870\ub85c\uc758 \uc804\ud658\uc744 \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   AI \uae30\ubc18 \ubaa8\ub378 \uc704\ud5d8 \ubc0f \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \ubb38\uc81c: AI \uae30\uc220\uc758 \ubc1c\uc804\uc740 \uc0c8\ub85c\uc6b4 \ubaa8\ub378 \uc704\ud5d8\uacfc \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \ubb38\uc81c\ub97c \uc57c\uae30\ud558\uba70 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc5d0 \uc0c8\ub85c\uc6b4 \uacfc\uc81c\ub97c \uc81c\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n<p># 4. \uc138\uadf8\uba3c\ud2b8 \ubd84\uc11d<\/p>\n<p> 4.1. \uc7ac\ubcf4\ud5d8 \uc720\ud615\ubcc4: \ud2b9\uc57d \uc7ac\ubcf4\ud5d8\uc758 \uc9c0\ubc30\ub825 \uc18d \uc784\uc758 \uc7ac\ubcf4\ud5d8\uc758 \ud601\uc2e0<\/p>\n<p>*   \ud2b9\uc57d \uc7ac\ubcf4\ud5d8: 2024\ub144 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 76.20%\ub97c \ucc28\uc9c0\ud558\uba70, 3,582\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \ucd9c\uc7ac \ubcf4\ud5d8\ub8cc\ub97c \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\ubc18\uc5d0 \uac78\uce5c \ubcf4\ud638\uc5d0 \ub300\ud55c \uc6d0\ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uc120\ud638\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4.<br \/>\n*   \uc784\uc758 \uc7ac\ubcf4\ud5d8: \uaddc\ubaa8\ub294 \uc791\uc9c0\ub9cc 8.05%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ub300\uaddc\ubaa8 \ud0dc\uc591\uad11 \ubc1c\uc804\uc18c, \ud574\uc0c1 \ud48d\ub825, \ub9de\ucda4\ud615 \uc0ac\uc774\ubc84 \ub178\ucd9c \ub4f1 \ud45c\uc900 \ud2b9\uc57d\uc5d0\uc11c \uc81c\uc678\ub418\ub294 \uc704\ud5d8\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\uac00\uac00 \uc131\uc7a5\uc744 \uacac\uc778\ud569\ub2c8\ub2e4. \ub514\uc9c0\ud138 \uad00\ub9ac \ud50c\ub7ab\ud3fc\uc740 \ucc98\ub9ac \uacfc\uc815\uc744 \uac04\uc18c\ud654\ud558\uace0, \ud30c\ub77c\uba54\ud2b8\ub9ad \ud2b8\ub9ac\uac70\ub97c \ub0b4\uc7a5\ud558\uc5ec \uc2e0\uc18d\ud55c \ud68c\uc218\ub97c \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4.<\/p>\n<p> 4.2. \uc0ac\uc5c5 \ubd80\ubb38\ubcc4: \ud2b9\uc218 \ubcf4\ud5d8 \ubd80\ubb38\uc758 \uc804\ud1b5\uc801 \uc9c0\ubc30\ub825 \ubcc0\ud654<\/p>\n<p>*   \uc190\ud574 \ubc0f \uc0c1\ud574 (P&#038;C): 2024\ub144 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5 \uaddc\ubaa8\uc758 62.40%\ub97c \ucc28\uc9c0\ud558\uba70, \uc7ac\ud574 \ubc0f \ucc45\uc784 \uc5ed\ub7c9\uc5d0 \ub300\ud55c \uafb8\uc900\ud55c \uc218\uc694\uc5d0 \ud798\uc785\uc5b4 \uc131\uc7a5\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ud2b9\uc218 \ubcf4\ud5d8 (Specialty Lines): \uc0ac\uc774\ubc84, \ud56d\uacf5, \ud574\uc591, \uc5d0\ub108\uc9c0 \ub4f1 \ud2b9\uc218 \ubcf4\ud5d8 \ubd80\ubb38\uc740 11.18%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uc131\uc7a5\ud558\uc5ec 2030\ub144\uae4c\uc9c0 200\uc5b5 \ub2ec\ub7ec \uc774\uc0c1\uc758 \ucd9c\uc7ac \ubcf4\ud5d8\ub8cc\ub97c \ucd94\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ub514\uc9c0\ud138\ud654, \uacf5\uae09\ub9dd \ubcf5\uc7a1\uc131, \uc0c8\ub85c\uc6b4 \uc5d0\ub108\uc9c0 \uc804\ud658 \uc704\ud5d8 \ub4f1\uc774 \uc131\uc7a5\uc744 \ucd09\uc9c4\ud569\ub2c8\ub2e4. \uc7ac\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc804\ub2f4 \ud300\uc744 \uad6c\uc131\ud558\uace0 \uc0ac\uc774\ubc84 \ubcf4\uc548 \ud68c\uc0ac\uc640 \ud611\ub825\ud558\uc5ec \ubcf4\ub2e4 \uc138\ubd84\ud654\ub41c \uac00\uaca9 \ucc45\uc815 \ubc0f \uc190\uc2e4 \ubc29\uc9c0 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p> 4.3. \uc720\ud1b5 \ucc44\ub110\ubcc4: \uc911\uac1c\uc778 \ub9e4\uac1c \ubc29\uc2dd\uc758 \ub514\uc9c0\ud138 \uc804\ud658 \uc9c1\uba74<\/p>\n<p>*   \uc911\uac1c\uc778 \ub9e4\uac1c \ucd9c\uc7ac: 2024\ub144 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 83.56%\ub97c \uc720\uc9c0\ud558\uba70, \ub300\ud615 \uc911\uac1c\uc778\ub4e4\uc774 \uc81c\uacf5\ud558\ub294 \uc790\ubb38 \uc11c\ube44\uc2a4\uc640 \uae00\ub85c\ubc8c \uc2dc\uc7a5 \uc811\uadfc\uc758 \uac00\uce58\ub97c \uac15\uc870\ud569\ub2c8\ub2e4. \uc0c1\uc704 3\uac1c \uc911\uac1c\uc778\uc740 \uace0\uae09 \ubd84\uc11d \ubc0f \ucd9c\uc7ac \ud50c\ub7ab\ud3fc\uc744 \ud65c\uc6a9\ud558\uc5ec \ud504\ub85c\uadf8\ub7a8 \uad6c\uc870\ub97c \ucd5c\uc801\ud654\ud558\uba70 \uc810\uc720\uc728\uc744 \ud1b5\ud569\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc9c1\uc811 \ucd9c\uc7ac: \uc7ac\ubcf4\ud5d8\uc0ac\ub4e4\uc774 API \ubc0f \uc140\ud504 \uc11c\ube44\uc2a4 \ud3ec\ud138\uc744 \ubc30\ud3ec\ud558\uc5ec \uc18c\uaddc\ubaa8 \ucffc\ud130\uc250\uc5b4 \uac70\ub798\ub97c \uacbd\uc81c\uc801\uc73c\ub85c \ub9cc\ub4e4\uba74\uc11c 8.65%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \ud655\uc7a5\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2a4\uc704\uc2a4 \uc7ac\ubcf4\ud5d8\uc758 GenAI \ud50c\ub7ab\ud3fc\uacfc\uc758 \uc81c\ud734\ub294 \uacac\uc801 \ucc98\ub9ac \uc2dc\uac04\uc744 30% \ub2e8\ucd95\uc2dc\ud0a4\ub294 \ub4f1 \uc790\ub3d9\ud654\uac00 \uc911\uac1c \uaca9\ucc28\ub97c \uc904\uc77c \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p> 4.4. \uc790\ubcf8 \ucd9c\ucc98\ubcc4: \ub300\uccb4 \uc790\ubcf8\uc758 \uc804\ud1b5\uc801 \ubaa8\ub378 \uc7ac\ud3b8<\/p>\n<p>*   \uc804\ud1b5\uc801\uc778 \uc2e0\uc6a9 \ub4f1\uae09 \uc7ac\ubcf4\ud5d8\uc0ac: 2024\ub144 \uae00\ub85c\ubc8c \uc5ed\ub7c9\uc758 81.24%\ub97c \uacf5\uae09\ud588\uc9c0\ub9cc, \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc740 13.98%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ub300\uccb4 \uc790\ubcf8\uc758 \uc601\ud5a5\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2024\ub144 \uc7ac\ud574 \ucc44\uad8c \ubc1c\ud589\uc561\uc740 160\uc5b5 \ub2ec\ub7ec\ub85c \uc0ac\uc0c1 \ucd5c\uace0\uce58\ub97c \uae30\ub85d\ud588\uc73c\uba70, \uc5f0\uae30\uae08 \ubc0f \uad6d\ubd80 \ud380\ub4dc \ud22c\uc790\uc790\ub4e4\uc774 \ube44\uc0c1\uad00 \uc218\uc775\uc744 \ucd94\uad6c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ub300\uccb4 \uc790\ubcf8: \uc0ac\uc774\ub4dc\uce74(Sidecars) \ubc0f \ub2f4\ubcf4 \uc7ac\ubcf4\ud5d8\uc740 \ud2b9\ud788 \ud50c\ub85c\ub9ac\ub2e4\uc758 \ud5c8\ub9ac\ucf00\uc778 \ubc0f \uc77c\ubcf8\uc758 \ud0dc\ud48d \uc704\ud5d8\uacfc \uac19\uc774 \uc704\ud5d8\uc774 \uc9d1\uc911\ub41c \uc9c0\uc5ed\uc5d0\uc11c \ub354 \ub9ce\uc740 \ucffc\ud130\uc250\uc5b4\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc5f0\uc18d\uc801\uc778 \uc190\uc2e4 \uc5f0\ub3c4 \uc774\ud6c4 \ud22c\uc790\uc790\ub4e4\uc758 \ud53c\ub85c\ub3c4\ub294 \uc2a4\ud3f0\uc11c\uc758 \uc790\ubcf8 \ud6a8\uc728\uc131\uc744 \uc120\ud638\ud558\uc9c0\ub9cc \ub354 \ub098\uc740 \ud22c\uba85\uc131\uc744 \uc694\uad6c\ud558\ub294 \ub2e4\ub144 \uad6c\uc870\ub85c\uc758 \uc804\ud658\uc744 \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p># 5. \uc9c0\uc5ed \ubd84\uc11d<\/p>\n<p>*   \uc720\ub7fd: 2024\ub144 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5 \uaddc\ubaa8\uc758 31.40%\ub97c \ucc28\uc9c0\ud558\uba70, \uc131\uc219\ud55c \ubcf4\ud5d8 \uce68\ud22c\uc728, \uc815\uad50\ud55c \uc9c0\uae09 \ub2a5\ub825 \uac10\ub3c5, \ub7f0\ub358, \ucde8\ub9ac\ud788 \ub4f1 \uc8fc\uc694 \ud5c8\ube0c \uc0dd\ud0dc\uacc4\uc5d0 \ud798\uc785\uc5b4 \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2ec\uac01\ud55c \ub300\ub958\uc131 \ud3ed\ud48d \uc190\uc2e4\uacfc \uc9c4\ud654\ud558\ub294 ESG \uc758\ubb34\ub294 \uc0c1\ud488 \uac1c\ubc1c \ubc0f \uc790\ubcf8 \ubc30\uce58\ub97c \uc7ac\ud3b8\ud558\uace0 \uc788\uc73c\uba70, \uc7ac\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uae30\ud6c4 \uacfc\ud559 \ub370\uc774\ud130\ub97c \ub300\ub959\ubcc4 \uac00\uaca9 \ucc45\uc815\uc5d0 \ud1b5\ud569\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591: 7.23%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \ud655\uc7a5\ub418\ub294 \uc9c0\uc5ed\uc73c\ub85c, \uc778\ub3c4, \uc911\uad6d, \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uc0c8\ub85c\uc6b4 \ubcf4\ud5d8\ub8cc \ud480\uc744 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc5d0 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ud64d\ucf69\uc5d0 \ubcf8\uc0ac\ub97c \ub454 \uc7ac\ubcf4\ud5d8\uc0ac\uc5d0 \ub300\ud55c \uc6b0\ub300 \uc790\ubcf8 \ub300\uc6b0\ub294 \uc911\uad6d \ubcf8\ud1a0 \uc811\uadfc\uc744 \uc6a9\uc774\ud558\uac8c \ud558\uba70, \uad6d\uacbd \uac04 \uc704\ud5d8 \uc804\uac00\uc5d0 \ub300\ud55c \uc815\ucc45 \uc785\uc548\uc790\ub4e4\uc758 \uc9c0\uc6d0\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<br \/>\n*   \ubd81\ubbf8: \ubbf8\uad6d \uc2dc\uc7a5\uc758 \uae4a\uc740 \uc790\ubcf8 \uc2dc\uc7a5\uacfc \uc0c1\ub2f9\ud55c \uc7ac\ud574 \uc218\uc694\uc5d0 \ud798\uc785\uc5b4 \uac00\uc7a5 \ud070 \ub2e8\uc77c \uad6d\uac00 \uc2dc\uc7a5\uc73c\ub85c \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4. NAIC\uc758 RBC \uc694\uc18c \uac80\ud1a0\ub294 \ud604\uc7ac \uae68\ub057\ud55c \uc2e0\uc6a9\uc7a5(clean letters of credit)\uc5d0 \ub300\ud55c \uc2e0\uc6a9\uc744 \ub204\ub9ac\ub294 \uc5ed\uc678 \ub2f4\ubcf4 \uc81c\uacf5\uc5c5\uccb4\uc758 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5 \uc810\uc720\uc728\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74: \uaddc\ubaa8\ub294 \uc791\uc9c0\ub9cc \uc778\ud504\ub77c \ud22c\uc790 \ubc0f \uac74\uac15 \ubcf4\ud5d8 \uc758\ubb34\uc640 \uad00\ub828\ub41c \uc218\uc694 \uc99d\uac00\ub97c \ubcf4\uc774\uba70, \uc7ac\ubcf4\ud5d8\uc774 \uc9c0\uae09 \ub2a5\ub825 \ubc0f \uc0c1\ud488 \ud601\uc2e0\uc744 \uc9c0\uc6d0\ud558\ub294 \ubd84\uc57c\uc785\ub2c8\ub2e4.<\/p>\n<p># 6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<p>\uae00\ub85c\ubc8c \uc7ac\ubcf4\ud5d8 \uacbd\uc7c1\uc740 \uaddc\ubaa8, \uc790\ubcf8\ub825, \uae30\uc220 \uc5ed\ub7c9\uc744 \uc911\uc2ec\uc73c\ub85c \uc804\uac1c\ub429\ub2c8\ub2e4. \ubb8c\ud5e8 \uc7ac\ubcf4\ud5d8, \uc2a4\uc704\uc2a4 \uc7ac\ubcf4\ud5d8, \ud558\ub178\ubc84 \uc7ac\ubcf4\ud5d8 \uadf8\ub8f9\uc740 \ub2e4\uac01\ud654\ub41c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc640 \uaddc\uc728 \uc788\ub294 \ubcf4\ud5d8 \uc778\uc218\ub97c \uacb0\ud569\ud558\uc5ec 2024\ub144 \uc120\ub450 \uc704\uce58\ub97c \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub4e4\uc740 \ubaa8\ub450 90% \ubbf8\ub9cc\uc758 \ud569\uc0b0\ube44\uc728\uacfc \uacac\uace0\ud55c \uc9c0\uae09 \ub2a5\ub825 \uc644\ucda9 \uc7a5\uce58\ub97c \ubcf4\uace0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub514\uc9c0\ud138 \uae30\ubc18\uc758 \uc2e0\ud765 \uacbd\uc7c1\uc0ac(\uc608: Conduit Re)\ub294 \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \ud50c\ub7ab\ud3fc\uc744 \ud65c\uc6a9\ud558\uc5ec \ud6a8\uc728\uc801\uc73c\ub85c \ubcf4\ud5d8\uc744 \uc778\uc218\ud558\uc9c0\ub9cc, \uc544\uc9c1 \uc9c0\ub9ac\uc801 \ubc94\uc704\uac00 \ubd80\uc871\ud558\uc5ec \uae30\uc874 \uc7ac\ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ubcf5\ud569 \ubcf4\ud5d8 \ucd9c\uc7ac\uc5d0\uc11c \uc9c0\ubc30\uc801\uc778 \uc704\uce58\ub97c \uc720\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784\uc740 \ub514\uc9c0\ud138 \ud65c\uc131\ud654\uc640 \ud2b9\uc218 \ubcf4\ud5d8 \ub2e4\uac01\ud654\uc5d0 \uc911\uc810\uc744 \ub461\ub2c8\ub2e4. \uc2a4\uc704\uc2a4 \uc7ac\ubcf4\ud5d8\uc758 GenAI \uc5d4\uc9c4\uacfc\uc758 \uc81c\ud734\ub294 \uae30\uacc4 \ud559\uc2b5\uc774 \uacac\uc801 \uc2dc\uac04\uc744 \ub2e8\ucd95\ud558\uace0 \uc694\uc728 \uc801\uc815\uc131\uc744 \uac1c\uc120\ud558\ub294 \ubc29\ubc95\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ubb8c\ud5e8 \uc7ac\ubcf4\ud5d8\uc758 \uc790\uc0ac\uc8fc \ub9e4\uc785 \ubc0f \ubc30\ub2f9\uae08 \uc99d\uc561\uc740 \ud2b9\uc218 \ubc0f \uc0ac\uc774\ubc84 \ubd80\ubb38\uc758 \uc131\uc7a5\uc744 \uc704\ud55c \uc5ed\ub7c9\uc744 \uc720\uc9c0\ud558\uba74\uc11c \uc9c0\uc18d\uc801\uc778 \uc218\uc775\uc5d0 \ub300\ud55c \uc790\uc2e0\uac10\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \ud558\ub178\ubc84 \uc7ac\ubcf4\ud5d8\uc758 \uc120\uad6c\uc801\uc778 \ud074\ub77c\uc6b0\ub4dc \uc911\ub2e8 \ucc44\uad8c\uc740 \ud22c\uc790\uc790\ub4e4\uc758 \uad00\uc2ec\uc744 \ub04c\uae30 \uc704\ud574 ILS \ud380\ub4dc\uc640 \uacbd\uc7c1\ud558\ub294 \ud30c\ub77c\uba54\ud2b8\ub9ad \uad6c\uc870\uc5d0\uc11c \uc120\uc810\uc790 \uc774\uc810\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ub300\uccb4 \uc790\ubcf8 \uad00\ub9ac\uc790(\uc608: Fermat, Twelve Capital)\ub294 \ub2f4\ubcf4 \uc0c1\ud488\uc744 \ud655\ub300\ud558\uace0 \uc788\uc9c0\ub9cc, \ucfe0\ud3f0 \uc2a4\ud504\ub808\ub4dc \uc0c1\uc2b9\uc740 \ud22c\uc790\uc790\ub4e4\uc774 \ub354 \uba85\ud655\ud55c \uc704\ud5d8 \ud22c\uba85\uc131\uacfc \uc7a5\uae30\uc801\uc778 \uc57d\uc18d\uc744 \uc694\uad6c\ud558\uace0 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4. \uc911\uac1c\uc778\ub4e4\uc740 \ub3c5\uc810\uc801\uc778 \ucd9c\uc7ac \ud50c\ub7ab\ud3fc\uacfc \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc601\ud5a5\ub825\uc744 \uc720\uc9c0\ud558\uba70, Aon\uacfc Gallagher\ub294 \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud558\uc5ec \uace0\uac1d \uad00\uacc4\ub97c \uace0\uc815\ud558\ub294 \ub2e4\ub144 \uacc4\uc57d\uc744 \ud611\uc0c1\ud569\ub2c8\ub2e4. \uaddc\uc81c \ub2f9\uad6d\uc774 AI \uac70\ubc84\ub10c\uc2a4 \ubc0f \uc9c0\uae09 \ub2a5\ub825 \uaddc\uc815\uc744 \uac15\ud654\ud568\uc5d0 \ub530\ub77c, \uace0\uae09 \uaddc\uc815 \uc900\uc218 \uc778\ud504\ub77c\ub97c \uac16\ucd98 \uae30\uc874 \uae30\uc5c5\ub4e4\uc774 \uc810\uc720\uc728\uc744 \ud1b5\ud569\ud560 \uac00\ub2a5\uc131\uc774 \ub192\uc9c0\ub9cc, \ud2b9\uc218 \uc804\ubb38 \uc9c0\uc2dd\uc744 \ub9c8\uc2a4\ud130\ud55c \ud2c8\uc0c8 \uc7ac\ubcf4\ud5d8\uc0ac\ub4e4\ub3c4 \ud2b9\uc815 \uc218\uc9c1 \uc2dc\uc7a5\uc5d0\uc11c \ubc88\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc7ac\ubcf4\ud5d8 \uc0b0\uc5c5 \ub9ac\ub354:<br \/>\n*   Munich Re (\ubb8c\ud5e8 \uc7ac\ubcf4\ud5d8)<br \/>\n*   Swiss Re (\uc2a4\uc704\uc2a4 \uc7ac\ubcf4\ud5d8)<br \/>\n*   Hannover Re Group (\ud558\ub178\ubc84 \uc7ac\ubcf4\ud5d8 \uadf8\ub8f9)<br \/>\n*   Berkshire Hathaway Inc. (\ubc84\ud06c\uc154 \ud574\uc11c\uc6e8\uc774)<br \/>\n*   SCOR SE (\uc2a4\ucf54\ub974 SE)<\/p>\n<p># 7. \ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5<\/p>\n<p>*   2025\ub144 2\uc6d4: Fortitude Re\uc640 Unum Group\uc740 Unum\uc758 \uc7ac\ubb34 \uc720\uc5f0\uc131\uc744 \uac15\ud654\ud558\uae30 \uc704\ud574 34\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc911\uc694\ud55c \uc7ac\ubcf4\ud5d8 \uac70\ub798\ub97c \uc644\ub8cc\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uac70\ub798\ub294 Unum\uc758 \uc7a5\uae30 \uc694\uc591 \uc900\ube44\uae08 \uc57d 19%\ub97c \ucee4\ubc84\ud558\uba70 \uad00\ub828 \uc704\ud5d8\uc744 Fortitude Re\ub85c \uc774\uc804\ud569\ub2c8\ub2e4.<br \/>\n*   2025\ub144 2\uc6d4: RGA\ub294 Equitable\ub85c\ubd80\ud130 320\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc0dd\uba85 \ubcf4\ud5d8 \uc815\ucc45\uc744 \uc7ac\ubcf4\ud5d8\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uac70\ub798\ub97c \uc9c0\uc6d0\ud558\uae30 \uc704\ud574 15\uc5b5 \ub2ec\ub7ec\uc758 \uc790\ubcf8\uc744 \ud22c\uc785\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2024\ub144 12\uc6d4: Nippon Life\ub294 Resolution Life\uc758 \uc794\uc5ec \uc9c0\ubd84\uc744 82\uc5b5 \ub2ec\ub7ec\uc5d0 \uc778\uc218\ud558\uae30\ub85c \ud569\uc758\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uc778\uc218\ub294 \uc0dd\uba85 \ubcf4\ud5d8 \ubc0f \uc720\ud6a8 \ubcf4\ud5d8 \uad00\ub9ac \ubd80\ubb38\uc5d0\uc11c Nippon Life\uc758 \uae00\ub85c\ubc8c \uc785\uc9c0\ub97c \uac15\ud654\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2024\ub144 12\uc6d4: MetLife\uc640 General Atlantic\uc740 \ucd08\uae30 \uc790\ubcf8 10\uc5b5 \ub2ec\ub7ec \uc774\uc0c1\uc73c\ub85c Chariot Reinsurance Ltd\ub97c \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \uc804 \uc138\uacc4 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc778 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc5f0\uad6c\ub294 2025\ub144 \ubd88\ubcc0 \ubbf8\uad6d \ub2ec\ub7ec\ub97c \uae30\uc900\uc73c\ub85c, \uba74\ucc45 \ubc0f \ud2b9\uc57d \uc7ac\ubcf4\ud5d8, \uc190\ud574 \ubc0f \uc0dd\uba85\/\uac74\uac15 \ubcf4\ud5d8, \ud2b9\uc885 \ubcf4\ud5d8(\ud56d\uacf5, \ud574\uc0c1, \uc5d0\ub108\uc9c0 \ub4f1)\uc744 \ud3ec\ud568\ud55c \ubaa8\ub4e0 \uc0ac\uc5c5 \ubd80\ubb38\uacfc \uc9c1\uc811 \ucd9c\uc7ac \ubc0f \uc911\uac1c\uc778 \uacbd\uc720 \uc720\ud1b5 \ucc44\ub110\uc744 \uc544\uc6b0\ub974\ub294 \uc804 \uc138\uacc4 \uba74\ud5c8 \uc7ac\ubcf4\ud5d8\uc0ac\ub85c \ucd9c\uc7ac\ub41c \ucd1d \uc218\uc785 \ubcf4\ud5d8\ub8cc\ub97c \uc2dc\uc7a5\uc73c\ub85c \uc815\uc758\ud569\ub2c8\ub2e4. \ub2e8, \uadf8\ub8f9 \ub0b4 \uc7ac\uc7ac\ubcf4\ud5d8 \ubc0f \uc6d0\ubcf4\ud5d8\ub8cc\ub294 \uc5f0\uad6c \ubc94\uc704\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc804\ub9dd:<br \/>\n\uc804 \uc138\uacc4 \uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc740 2025\ub144 4,697\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2030\ub144\uae4c\uc9c0 6,297\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. 2024\ub144 \uae30\uc900 \uc720\ub7fd\uc774 31.40%\ub85c \uac00\uc7a5 \ud070 \uc9c0\uc5ed \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud588\uc73c\uba70, \uc544\uc2dc\uc544-\ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 2030\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 7.23%\uc758 \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ud2b9\ud788, \ub514\uc9c0\ud138 \uc804\ud658\uacfc \uc2e0\ud765 \uc704\ud5d8\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\uac00\ub85c \uc0ac\uc774\ubc84 \ubcf4\ud5d8\uacfc \uac19\uc740 \ud2b9\uc885 \ubcf4\ud5d8 \ubd80\ubb38\uc740 11.18%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud558\uba70 \uc7ac\ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uace0\ub9c8\uc9c4 \ubd80\ubb38 \uc9c4\ucd9c\uc744 \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \ubcf4\ud5d8\uc5f0\uacc4\uc99d\uad8c(ILS)\uc744 \ud3ec\ud568\ud55c \ub300\uccb4 \uc790\ubcf8\uc740 \uc5f0\ud3c9\uade0 13.98%\ub85c \ube60\ub974\uac8c \ud655\uc7a5\ub418\uba70 \uc2dc\uc7a5\uc5d0 \ucd94\uac00\uc801\uc778 \uc790\ubcf8 \uacf5\uae09\uc6d0\uc774 \ub418\uace0 \uc788\uc73c\ub098, \ud22c\uc790\uc790\ub4e4\uc758 \ud22c\uba85\uc131 \uc694\uad6c\ub3c4 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\uc778:<br \/>\n\uc7ac\ubcf4\ud5d8 \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \ub3d9\uc778\uc73c\ub85c\ub294 \uc2e0\ud765 \uacbd\uc81c\uad6d\uc758 \ubcf4\ud5d8 \uce68\ud22c\uc728 \uc99d\uac00, \uae30\ud6c4 \ubcc0\ud654 \uad00\ub828 \uc790\uc5f0\uc7ac\ud574 \uc190\uc2e4\uc758 \uc2ec\ud654, IFRS 17 \ub3c4\uc785 \uc774\ud6c4 \uc6d0\ubcf4\ud5d8\uc0ac\uc758 \uc790\ubcf8 \uc644\ucda9\ub825 \ubd80\uc871, \uacbd\uc0c9\ub41c \uc2dc\uc7a5 \uac00\uaca9 \uc8fc\uae30(Hard-market pricing cycle)\ub85c \uc778\ud55c \uc7ac\ubcf4\ud5d8\uc0ac \uc218\uc775 \uc99d\ub300, \ud30c\ub77c\uba54\ud2b8\ub9ad \ubc0f \uc0ac\uc774\ubc84 \uc7ac\ubcf4\ud5d8 \ubd84\uc57c\uc758 \ud601\uc2e0, \uadf8\ub9ac\uace0 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud55c \ub9c8\uc774\ud06c\ub85c \ub9ac\uc2a4\ud06c \ud480\uc758 \ucd9c\uc7ac \ud655\ub300 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778:<br \/>\n\ubc18\uba74, \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\uc73c\ub85c\ub294 \uc9c0\uc815\ud559\uc801 \ubc0f \uac70\uc2dc\uacbd\uc81c\uc801 \ubcc0\ub3d9\uc131, Solvency II \ubc0f RBC\uc640 \uac19\uc740 \uaddc\uc81c \uc790\ubcf8 \uc81c\uc57d, ILS \ud22c\uc790\uc790\ub4e4\uc758 \uc704\ud5d8-\uc218\uc775 \ud53c\ub85c\ub3c4, \uadf8\ub9ac\uace0 AI \uae30\ubc18 \ubaa8\ub378 \ub9ac\uc2a4\ud06c \ubc0f \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \uad00\ub828 \ubb38\uc81c \ub4f1\uc774 \uc9c0\uc801\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc138\ubd84\ud654 \ubc0f \ubd84\uc11d:<br \/>\n\ubcf4\uace0\uc11c\ub294 \uc7ac\ubcf4\ud5d8 \uc720\ud615(\uc218\uc7ac, \ud2b9\uc57d), \uc0ac\uc5c5 \ubd80\ubb38(\uc190\ud574, \uc0dd\uba85\/\uac74\uac15, \ud2b9\uc885, \uae30\ud0c0), \uc720\ud1b5 \ucc44\ub110(\uc9c1\uc811 \ucd9c\uc7ac, \uc911\uac1c\uc778 \uacbd\uc720), \uc790\ubcf8\uc6d0(\uc804\ud1b5 \uc7ac\ubcf4\ud5d8\uc0ac, \ub300\uccb4 \uc790\ubcf8), \uadf8\ub9ac\uace0 \uc9c0\uc5ed(\ubd81\ubbf8, \ub0a8\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544-\ud0dc\ud3c9\uc591, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74\uc758 \uc8fc\uc694 \uad6d\uac00 \ud3ec\ud568)\ubcc4\ub85c \uc2dc\uc7a5\uc744 \uc138\ubd84\ud654\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4. \ub610\ud55c, \uac00\uce58\/\uacf5\uae09\ub9dd \ubd84\uc11d, \uaddc\uc81c \ud658\uacbd, \uae30\uc220 \uc804\ub9dd, \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778 \ubd84\uc11d, \uc8fc\uc694 \uc2dc\uc7a5 \uc704\ud5d8 \ubc0f \uc601\ud5a5 \ubd84\uc11d \ub4f1\uc744 \ud1b5\ud574 \uc2dc\uc7a5\uc758 \ub2e4\uac01\uc801\uc778 \uce21\uba74\uc744 \uc870\uba85\ud569\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd:<br \/>\n\uacbd\uc7c1 \ud658\uacbd \ubd84\uc11d\uc5d0\uc11c\ub294 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4, \uc8fc\uc694 \uae30\uc5c5\ub4e4\uc758 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784, \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d\uc774 \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4. \ubb8c\ud5e8\ub9ac(Munich Re), \uc2a4\uc704\uc2a4\ub9ac(Swiss Re), \ud558\ub178\ubc84\ub9ac(Hannover Re), \ubc84\ud06c\uc154 \ud574\uc11c\uc6e8\uc774 \ub9ac(Berkshire Hathaway Re), \uc2a4\ucf54\uc5b4(SCOR SE), \ub85c\uc774\uc988(Lloyd&#8217;s), \ucc28\uc774\ub098 \ub9ac(China Re), \ucf54\ub9ac\uc548\ub9ac(Korean Re) \ub4f1 \uc804 \uc138\uacc4 \uc8fc\uc694 \uc7ac\ubcf4\ud5d8\uc0ac 20\uac1c\uc5d0 \ub300\ud55c \uc0c1\uc138\ud55c \uae30\uc5c5 \ud504\ub85c\ud544\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uad6c \ubc29\ubc95\ub860 \ubc0f \uc2e0\ub8b0\uc131:<br \/>\n\ubcf8 \ubcf4\uace0\uc11c\uc758 \uc5f0\uad6c \ubc29\ubc95\ub860\uc740 1\ucc28 \uc5f0\uad6c(\uc5b8\ub354\ub77c\uc774\ud305 \ucc45\uc784\uc790, \uaddc\uc81c \uae30\uad00, \uc911\uac1c \uc804\ubb38\uac00\uc640\uc758 \ub17c\uc758)\uc640 2\ucc28 \uc5f0\uad6c(IAIS GIMAR, NAIC, EIOPA, OECD \ubcf4\ud5d8 \ud1b5\uacc4 \ub4f1 \uacf5\uacf5 \uac10\ub3c5 \ub370\uc774\ud130, \uae30\uc5c5 \uc5f0\uac04 \ubcf4\uace0\uc11c, S&#038;P Global \ubd84\uae30\ubcc4 \ubcf4\uace0\uc11c \ub4f1)\ub97c \uacb0\ud569\ud558\uc5ec \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud569\ub2c8\ub2e4. \uc2dc\uc7a5 \uaddc\ubaa8 \uc0b0\uc815 \ubc0f \uc608\uce21\uc740 \uc0c1\ud5a5\uc2dd \ubc0f \ud558\ud5a5\uc2dd \uc811\uadfc\ubc95, \ub2e4\ubcc0\ub7c9 \ud68c\uadc0 \ubd84\uc11d, \uadf8\ub9ac\uace0 \uc2ec\uac01\ud55c \uc790\uc5f0\uc7ac\ud574 \ubc1c\uc0dd \uc2dc\ub098\ub9ac\uc624 \ubd84\uc11d\uc744 \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4. \ub370\uc774\ud130\ub294 \uc774\uc0c1\uce58 \uac80\uc0ac, \ub3d9\ub8cc \uac80\ud1a0, \uacbd\uc601\uc9c4 \uc2b9\uc778 \uacfc\uc815\uc744 \uac70\uce58\uba70, \uc5f0\uac04 \uc5c5\ub370\uc774\ud2b8 \ubc0f \uc911\ub300\ud55c \uc190\uc2e4 \uc2dc\uc98c \ub610\ub294 \uaddc\uc81c \ubcc0\ud654 \ubc1c\uc0dd \uc2dc \uc911\uac04 \uc218\uc815\uc774 \uc774\ub8e8\uc5b4\uc838 \ub370\uc774\ud130\uc758 \ucd5c\uc2e0\uc131\uacfc \uc2e0\ub8b0\uc131\uc744 \ud655\ubcf4\ud569\ub2c8\ub2e4. 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