安联（Allianz）：2025投资未来：基于储蓄策略的就业脆弱性应对研究报告（英文版）（23页）.pdf

1、26 March 2025Allianz ResearchInvest in your future:How to save your way out of employment vulnerabilityAllianz Research2Content Page 3-4 Executive SummaryPage 5-7 GenAI will transform the workplacePage 8-12 GenAI and productivity Page 13-19 The case for capital income26 March 2025 There is no questi

2、on that GenAI will lead to a profound change in the way we work.Around half of all jobs in developed countries are affected by AI in one way or another.Looking at individual jobs,it is striking that it is creative,non-routine jobs such as writing,medical diagnosis or programming that are most likely

3、 to be transformed by the use of AI,if not replaced.The risk of job loss is highest in the service sector and among younger workers.Solows famous dictum that computers are everywhere except in productivity statistics no longer applies to AI but only in the US.Even among small businesses,40%use AI to

4、ols.Not surprisingly,the impact of AI is most evident in the US information sector:while employment is falling,output is rising sharply.In other US service sectors,such as finance or professional and business services,the picture is less clear,but here too there are significant increases in output a

5、nd at least stable employment.Meanwhile,Europe is lagging behind.It is too early to determine if AI has impacted productivity growth in Europe.This growing gap between the US and Europe is hardly surprising,given that Europe is lagging behind in AI adoption.Last year,only 13.5%of all companies repor

6、ted using AI technologies.This low prevalence explains the different effects of AI on employment.When only a few companies use AI,they are likely to benefit from increased demand for their products for early adopters,AI is an important competitive differentiator.However,this advantage disappears wit