IBM商业白皮书-平衡的尺度：走向稳定并充满活力的保险业未来.pdf

IBM Global Business Services IBM Institute for Business Value Insurance Balancing the scales Toward a stable and dynamic insurance future IBM Institute for Business Value IBM Global Business Services, through the IBM Institute for Business Value, develops fact-based strategic insights for senior business executives around critical industry-specific and cross-industry issues. This executive brief is based on an in-depth study by the Institute’s research team. It is part of an ongoing commitment by IBM Global Business Services to provide analysis and viewpoints that help companies realize business value. You may contact the authors or send an e-mail to iibv@ for more information. Balancing the scales Toward a stable and dynamic insurance future By Christian Bieck and David Notestein After the storm, the financial world is searching for a new order. While banking institutions are wondering where they will make money in the future, the insurance industry has always felt secure in its stability. Insurers are facing a different issue: how to balance the fundamentals that shaped the industry and made it strong with the dynamics created by an empowered customer and an uncertain global environment. Introduction To answer these questions, we surveyed more In an increasingly integrated financial world, than 8,000 consumers and interviewed 150 where banks sell insurance products and insurance business executives to assess the insurers invest huge sum