{"id":2546,"date":"2020-02-25T16:48:13","date_gmt":"2020-02-25T07:48:13","guid":{"rendered":"https:\/\/bcgblog.kr\/?p=2546"},"modified":"2020-08-11T17:06:28","modified_gmt":"2020-08-11T08:06:28","slug":"innovation-for-insurance-companies","status":"publish","type":"post","link":"https:\/\/bcgblog.kr\/innovation-for-insurance-companies\/","title":{"rendered":"\uc678\uad6d \uc120\uc9c4 \uc2dc\uc7a5 \ubcf4\ud5d8\uc0ac\ub294 \uc798\ud558\ub294\ub370 \uc6b0\ub9b0 \ubabb\ud558\ub294 \uc774\uc720\uac00 \uc788\ub2e4"},"content":{"rendered":"<p>\ucd5c\uadfc \ud55c\uad6d \ubcf4\ud5d8 \uc0b0\uc5c5\uc758 \uc9c0\uc18d \uac00\ub2a5\uc131\uc5d0 \ub300\ud55c \ube44\uad00\ub860\uc774 \ud33d\ubc30\ud558\ub2e4. \uad6d\ub0b4 \uc8fc\uc694 \ubcf4\ud5d8\uc0ac\uc758 2019\ub144 \uc601\uc5c5\uc774\uc775\uc740 \uc804\ub144 \ub300\ube44 20~ 40% \uac10\uc18c\ud588\ub2e4. \ub300\ubd80\ubd84\uc758 \uc0c1\uc7a5 \ubcf4\ud5d8\uc0ac \uc8fc\uac00\ub294 \uc9c0\ub09c\ud574 \uc2e0\uc800\uac00\ub97c \uae30\ub85d\ud588\uace0, \uc5ec\uc804\ud788 \ubc18\ub4f1 \uae30\ubbf8\uac00 \uc5c6\ub2e4. \ubcf4\ud5d8 \uc0b0\uc5c5\uc758 \uc218\uc775\uc131\uacfc \uc131\uc7a5\uc131\uc774 \uc545\ud654\ub418\ub294 \uc774\uc720\ub97c \uc800\uae08\ub9ac\u00b7\uc800\uc131\uc7a5\u00b7\uace0\ub839\ud654 \ub4f1 \uc678\ubd80\uc5d0\uc11c \ucc3e\ub294 \uc774\uac00 \ub9ce\ub2e4. \ud558\uc9c0\ub9cc \ube44\uc2b7\ud55c \uc5ec\uac74\uc5d0\uc11c \uc6b0\uc218\ud55c \uc131\uacfc\ub97c \ub0b4\ub294 \ud574\uc678 \ubcf4\ud5d8\uc0ac\uac00 \uc801\uc796\uc740 \uac83\uc744 \ubcfc \ub54c, \ud658\uacbd\ub9cc \ud0d3\ud560 \uc77c\uc740 \uc544\ub2c8\ub2e4. \uc6b0\ub9ac\ubcf4\ub2e4 \uc55e\uc11c \uc800\uae08\ub9ac\u00b7\uc800\uc131\uc7a5\uc744 \uacaa\uc740 \uc77c\ubcf8 \ubcf4\ud5d8 \uc0b0\uc5c5\uc740 \ud604\uc7ac 15~20% ROE(\uc790\uae30\uc790\ubcf8\uc774\uc775\ub960)\ub97c \uafb8\uc900\ud788 \ucc3d\ucd9c\ud558\uace0 \uc788\ub294\ub370 \uc774\ub294 \uc77c\ubcf8 \uc740\ud589\u00b7\uc99d\uad8c\uc0ac \ub4f1 \ub2e4\ub978 \uae08\uc735\uc0b0\uc5c5 ROE\uc758 2\ubc30\ub2e4. \ubbf8\uad6d\uc774\ub098 \uc720\ub7fd\uc5d0\uc11c\ub294 \ub9c8\uce58 \ud14c\ud06c \uae30\uc5c5\ucc98\ub7fc \uace0\uc18d \uc131\uc7a5\ud558\uace0 \uc8fc\uac00\ub3c4 \uae09\ub4f1\ud558\ub294 \ubcf4\ud5d8\uc0ac\uac00 \uc18d\uc18d \ub4f1\uc7a5\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uad6d\ub0b4\uc5d0\ub294 40\uac1c \ubcf4\ud5d8\uc0ac\uac00 \uc788\ub2e4. \uc2dc\uc7a5 \uaddc\ubaa8\uc5d0 \ube44\ud574 \ub108\ubb34 \ub9ce\ub2e4. \uc774 \uc911\uc5d4 \ucda9\ubd84\ud55c \ud22c\uc790 \uc7ac\uc6d0\uacfc \uc9c0\uae09\uc5ec\ub825\ube44\uc728\uc744 \uac16\ucd94\uc9c0 \ubabb\ud55c \uc18c\uaddc\ubaa8\u00b7\uc800\uc790\ubcf8 \ubcf4\ud5d8\uc0ac\ub3c4 \uc801\uc796\ub2e4. \ub354 \ud070 \ubb38\uc81c\ub294 \uadf8 \ub9ce\uc740 \ud68c\uc0ac\uac00 \ub2e4 \ube44\uc2b7\ud558\ub2e4\ub294 \uac83\uc774\ub2e4. \ub2e4\ub97c \uac83 \uc5c6\ub294 \uc0c1\ud488\uc744 \ub2e4\ub97c \uac83 \uc5c6\ub294 \uacbd\ub85c\ub85c \ud310\ub2e4.<\/p>\n<p>\uc120\uc9c4 \uc2dc\uc7a5\uc758 \ub300\ud615 \ubcf4\ud5d8\uc0ac\ub4e4\ub3c4 \uacfc\uac70\uc5d4 \uc9c0\uae08 \ud55c\uad6d \ubcf4\ud5d8\uc0ac\uc640 \uc720\uc0ac\ud588\ub2e4. \ubaa8\ub4e0 \uc0c1\ud488\uacfc \ud310\ub9e4 \ucc44\ub110\uc744 \uc9c1\uc811 \uc6b4\uc601\ud588\uace0, \ubcc0\ud654\uc5d0 \ubbfc\ucca9\ud558\uac8c \ub300\uc751\ud558\uae30\uc5d4 \ubab8\uc774 \ubb34\uac70\uc6e0\ub2e4. \uadf8\ub798\uc11c \ubbf8\uad6d\uc774\ub098 \uc77c\ubcf8\uc758 \ub300\ud615 \uc120\ub3c4 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uacfc\uac10\ud788 \uc0ac\uc5c5 \uad6c\uc870 \uc7ac\ud3b8\uc5d0 \ub098\uc130\ub2e4. \ubbf8\uad6d 1\uc704 \uc0dd\uba85\ubcf4\ud5d8\uc0ac \uba54\ud2b8\ub77c\uc774\ud504\uac00 \uc124\uacc4\uc0ac \ucc44\ub110\uc740 \ub5bc\uc5b4 \ub9e4\uac01\ud558\uace0, \ud68c\uc0ac\ub97c \uac1c\uc778\uc0dd\uba85\ubcf4\ud5d8 \uc804\ubb38 \ubcf4\ud5d8\uc0ac\uc640 \ubc95\uc778\ubcf4\ud5d8 \uc804\ubb38 \ubcf4\ud5d8\uc0ac\ub85c \ubd84\ub9ac\ud55c \uac83\uc774 \uc88b\uc740 \uc608\ub2e4. \ubca8\uae30\uc5d0 \ubcf4\ud5d8\uc0ac \uc544\ud1a0\ub77c\ub294 \uac1c\uc778\u00b7\ubc95\uc778\ubcf4\ud5d8 \uc601\uc5c5\uc744 \uc804\ud600 \ud558\uc9c0 \uc54a\uace0, \ub2e4\ub978 \ubcf4\ud5d8\uc0ac\ub85c\ubd80\ud130 \ubcf4\ud5d8\uacc4\uc57d\uc744 \ub300\uac70 \uc778\uc218\ud574\uc11c \uaddc\ubaa8\uc758 \uacbd\uc81c\ub97c \ub9cc\ub4e4\uc5b4 \ud6a8\uc728\uc131\uc744 \ub0b4\ub294 \ub3c5\ud2b9\ud55c \uc0ac\uc5c5 \ubc29\uc2dd\uc73c\ub85c \uc6b4\uc601\ud558\uae30\ub3c4 \ud55c\ub2e4.<\/p>\n<p>\ubcf4\ud5d8\uacfc\ub294 \uc804\ud600 \ubb34\uad00\ud55c \ub514\uc9c0\ud138 \uae30\uc5c5\uacfc \uacfc\uac10\ud788 \uc190\uc7a1\uace0, \uacf5\uae09\uc790\uac00 \uc544\ub2cc \uc18c\ube44\uc790 \uc785\uc7a5\uc5d0\uc11c \ud544\uc694\ud55c \ud1b5\ud569 \uc124\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\ub294 \uc11c\ube44\uc2a4\ub3c4 \ub4f1\uc7a5\ud588\ub2e4. \uc911\uad6d \ud3c9\uc548\ubcf4\ud5d8\uc740 \uc790\uc0ac \ubcf4\ud5d8 \uacc4\uc57d\uc790\uc5d0\uac8c \ucc28\ub7c9 \uad00\ub9ac \uc11c\ube44\uc2a4\ub098 \uc6d0\uaca9\uc758\ub8cc \ucc98\ubc29 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud574 \ud654\uc81c\uac00 \ub418\uc5c8\ub2e4. \ud3c9\uc548\ubcf4\ud5d8\uc740 \uc790\uc2e0\ub4e4\uc774 \uc798 \ubaa8\ub974\ub294 \uac83\uc744 \uc9c1\uc811 \ub2e4 \ud558\uaca0\ub2e4\uace0 \ub098\uc11c\uc9c0 \uc54a\uc558\ub2e4. \ub300\uc2e0 \uc804\ud600 \ub2e4\ub978 DNA\ub97c \uac00\uc9c4 \uae30\uc5c5\uacfc \ud30c\ud2b8\ub108\uc2ed\uc744 \ub9fa\uace0, \uc2e0\uc0ac\uc5c5\uc758 \uc8fc\ub3c4\uad8c \ubc0f \uace0\uac1d \uc811\uc810\uc744 \uacfc\uac10\ud788 \uadf8 \ub514\uc9c0\ud138 \uae30\uc5c5\uc5d0 \uc8fc\uace0, \ubcf4\ud5d8\uc0ac\ub294 \ubcf4\ud5d8 \uc0c1\ud488 \uc81c\uc870\u00b7\uacf5\uae09 \ubc0f \ubcf4\uc0c1 \ub4f1 \uc81c\ud55c\ub41c \uc5ed\ud560\ub9cc \ud588\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc0c1\ud488 \uac1c\ubc1c, \ubcf4\ud5d8\uc694\uc728 \ucc45\uc815, \uc2ec\uc0ac \ub4f1\uc5d0 \ubcf4\ud5d8\uc0ac\uc758 \ud1b5\uacc4 \ub370\uc774\ud130\ubfd0\ub9cc\uc774 \uc544\ub2cc, \ub514\uc9c0\ud138 \uae30\uc5c5\uc774 \ubcf4\uc720\ud55c \ube45\ub370\uc774\ud130 \ud65c\uc6a9 \ubc0f \uc778\uacf5\uc9c0\ub2a5(AI) \uc801\uc6a9\uc774 \uac00\ub2a5\ud574\uc84c\ub2e4. \uadf8 \uacb0\uacfc, \uc18c\ube44\uc790\ub294 \uc804\ubcf4\ub2e4 \ub2e4\uc591\ud558\uace0 \uc800\ub834\ud55c \ubcf4\ud5d8 \uc0c1\ud488\uc744 \ud6e8\uc52c \ube60\ub974\uac8c \uac00\uc785\ud560 \uc218 \uc788\uac8c \ub410\ub2e4. \uccad\uad6c\u00b7\uc9c0\uae09 \uacfc\uc815\ub3c4 \uac04\ud3b8\ud574\uc84c\ub2e4.<\/p>\n<p>\uc774\ub7f0 \ud601\uc2e0\uc774 \uc77c\uc5b4\ub098\ub824\uba74 \ubcf4\ud5d8\uc0ac\uc758 \ub178\ub825\ubfd0\ub9cc \uc544\ub2c8\ub77c \ubbf8\ub798 \uc9c0\ud5a5\uc801 \uaddc\uc81c \uc815\ucc45\ub3c4 \uaf2d \ud544\uc694\ud558\ub2e4. \uc120\uc9c4 \ubcf4\ud5d8 \uc2dc\uc7a5\uc758 \uac10\ub3c5\uae30\uad6c\ub294 \ubcf4\ud5d8\uc0ac\uc758 \uc790\uc728\uc131\uc744 \ud655\ub300\ud574 \uac74\uc804 \uacbd\uc7c1\uc744 \ub3c5\ub824\ud558\ub418, \uac00\uc785\uc790 \ubcf4\ud638\ub97c \ubaa9\uc801\uc73c\ub85c \ud558\ub294 \uc790\ubcf8 \uaddc\uc81c\ub97c \uc5c4\uaca9\ud788 \ud558\ub294 \ucd94\uc138\ub2e4. \uc548\ud0c0\uae5d\uac8c\ub3c4 \uad6d\ub0b4 \uaddc\uc81c \ud658\uacbd\uc740 \ubc18\ub300\ub85c \uac00\uace0 \uc788\ub2e4. \uc0c1\ud488\u00b7\uac00\uaca9\u00b7\uc790\uc0b0\uc6b4\uc6a9 \ub4f1 \ud601\uc2e0\uc774 \uc808\uc2e4\ud55c \ubd84\uc57c\uc758 \uaddc\uc81c\ub294 \uace0\ub8e8\ud558\uace0 \uc790\ubcf8 \uaddc\uc81c\ub294 \uc120\uc9c4\uad6d \ub300\ube44 \ub290\uc2a8\ud558\ub2e4.<\/p>\n<p>\uc6b0\ub9ac \ubcf4\ud5d8 \uc0b0\uc5c5\uc740 \uc5ec\ub7ec \uce21\uba74\uc5d0\uc11c \ud070 \ubcc0\ud654\ub97c \uacaa\uace0 \uc788\ub2e4. 2022\ub144\uc5d0\ub294 \uad6d\uc81c\ubcf4\ud5d8\ud68c\uacc4\uae30\uc900(IFRS17)\uacfc \uc2e0\uc9c0\uae09\uc5ec\ub825\uc81c\ub3c4(K-ICS)\uac00 \ub3c4\uc785\ub41c\ub2e4. \uadf8\ub54c\uae4c\uc9c0 \ub0a8\uc740 2\ub144\uc774 \ubcc0\ud654\ub97c \uc704\ud55c \uace8\ub4e0\ud0c0\uc784\uc774\ub2e4. \ub2f9\uad6d\uc740 \ubbf8\ub798 \uc9c0\ud5a5\uc801 \uc815\ucc45\uc73c\ub85c \uc0b0\uc5c5\uc744 \uc774\ub04c\uace0, \ubcf4\ud5d8\uc0ac\ub294 \uc808\ubc15\ud558\uac8c \uc0ac\uc5c5\uc744 \ud601\uc2e0\ud574\uc57c \ud55c\ub2e4. \uc2dc\uac04\uc774 \ub9ce\uc9c0 \uc54a\ub2e4.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ucd5c\uadfc \ud55c\uad6d \ubcf4\ud5d8 \uc0b0\uc5c5\uc758 \uc9c0\uc18d \uac00\ub2a5\uc131\uc5d0 \ub300\ud55c \ube44\uad00\ub860\uc774 \ud33d\ubc30\ud558\ub2e4. \uad6d\ub0b4 \uc8fc\uc694 \ubcf4\ud5d8\uc0ac\uc758 2019\ub144 \uc601\uc5c5\uc774\uc775\uc740 \uc804\ub144 \ub300\ube44 20~ 40% \uac10\uc18c\ud588\ub2e4. \ub300\ubd80\ubd84\uc758 \uc0c1\uc7a5 \ubcf4\ud5d8\uc0ac \uc8fc\uac00\ub294 \uc9c0\ub09c\ud574 \uc2e0\uc800\uac00\ub97c \uae30\ub85d\ud588\uace0, \uc5ec\uc804\ud788 \ubc18\ub4f1 \uae30\ubbf8\uac00 \uc5c6\ub2e4. \ubcf4\ud5d8 \uc0b0\uc5c5\uc758 \uc218\uc775\uc131\uacfc \uc131\uc7a5\uc131\uc774 \uc545\ud654\ub418\ub294 \uc774\uc720\ub97c \uc800\uae08\ub9ac\u00b7\uc800\uc131\uc7a5\u00b7\uace0\ub839\ud654 \ub4f1 \uc678\ubd80\uc5d0\uc11c \ucc3e\ub294 \uc774\uac00 \ub9ce\ub2e4. \ud558\uc9c0\ub9cc \ube44\uc2b7\ud55c \uc5ec\uac74\uc5d0\uc11c \uc6b0\uc218\ud55c \uc131\uacfc\ub97c \ub0b4\ub294 \ud574\uc678 \ubcf4\ud5d8\uc0ac\uac00 \uc801\uc796\uc740 \uac83\uc744 \ubcfc \ub54c, \ud658\uacbd\ub9cc \ud0d3\ud560 \uc77c\uc740 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