德勤：2019年保险业展望(英文 40 页)

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2019年保险业展望

不断增长的经济支撑着保险公司，但长期趋势可能需要转型

2019 Insurance Outlook

Growing economy bolsters insurers, but longer-term trends may require transformation

持续的经济增长，不断上升的利率和更高的投资收益为2018年的保险公司带来了强劲的一年。尽管2019年正在成为一个标志性的一年，长期的挑战，如经济放缓的可能性和关税和贸易规则的持续争议可能会给保险市场前景蒙上阴影。

目录

Table of contents

Where do insurers stand as they enter 2019? 1

Technology trends: Insurers appear poised to leverage cloud, blockchain 4

The future of work: Adaptation strategies becoming more important 7

Product development trends: IoT, InsurTech can enable more flexible policies 9

Merger and acquisition trends: Insurers getting mixed signals 11

Regulatory trends: Focus broadens from solvency to market conduct 14

Cyber risk trends: Regulations expand globally 18

Privacy trends: New rules put insurers in the hot seat 22

Tax reform: Early results positive, but long-term impact uncertain 27

Where do insurers fit in an evolving economy and society? 29