安永（EY）：2025年全球保险业展望报告：以先进技术和数据能力助推行业发展（英文版）（25页）.pdf

1、2025 Global Insurance OutlookDriving growth through advanced technology and data capabilities 2|2025 Global Insurance Outlook A message from the EY Insurance leadership team The global insurance industry enters 2025 facing familiar yet ever-evolving vectors of change.While climate and cybersecurity

2、top the agendas for senior leaders,they cant overlook other forces reshaping the landscape.The pace of technology change has only accelerated with the advent of generative artificial intelligence(GenAI)and rapid rise of agentic AI.Geopolitical and trade tensions,as well as ongoing macroeconomic turb

3、ulence and political polarization,present new complexities that could morph into major barriers of change.New competition,increased regulatory scrutiny and continuously shifting customer behaviors also demand the attention of C-suites and boards.Yet we are optimistic about the industrys near-and lon

4、ger-term prospects.There is a clear need for core insurance protections and strong demand for more holistic solutions and ancillary services.New business models are gaining traction.Expanding data volumes are opening new possibilities in risk assessment,pricing and partnerships.There have never been

5、 more opportunities or incentives for insurers to innovate.And never has the world been more in need of a high-performing insurance industry.Beyond outlining the current risk landscape,this years Global Insurance Outlook focuses on specific growth opportunities across sectors and regions worldwide.F

6、urther,we explore how advanced data strategies and capabilities hold the key to seizing those opportunities and building on the strong momentum of the last few years.As with previous editions,our 2025 report is meant to inform the perspectives of senior leaders and help them chart a course forward i