安联风险晴雨表 2026：洞察全球企业核心商业风险（97 国 3338 位风控专家联合研判）.pptxVIP

AllianzRiskBarometer

Identifyingthemajorbusinessrisksfor2026

Themostimportantcorporateconcernsfortheyearahead,asrankedby3,338riskmanagementexpertsfrom97countriesandterritories

mbolina/AdobeStock

PAGE4

Themostimportantglobalbusinessrisks

PAGE6

Topconcernsaroundtheworld

PAGE21

4.Changesinlegislation

andregulation

PAGE5

Riskdevelopments–

10surveysnapshots

PAGE40

Toprisksforsmallercompanies

PAGE33

8.Macroeconomic

developments

PAGE30

7.Politicalrisksandviolence

PAGE38

10.Marketdevelopments

PAGE7

Topglobalrisksoverview

PAGE24

5.Naturalcatastrophes

PAGE17

3.Businessinterruption

PAGE12

2.Artificialintelligence

PAGE35

Insolvencyoutlook

PAGE27

6.Climatechange

PAGE8

1.Cyberincidents

PAGE36

9.Fire,explosion

Contents

ALLIANZRISKBAROMETER2026|ALLIANZCOMMERCIAL

3

ImageFlow/ShutterstockHaikalceriativemark/AdobeStockfitpinkcat84/AdobeStock

Cyberincidents

(e.g.,cybercrime,ITnetworkandservicedisruptions,malware/

ransomware,databreaches,fines,andpenalties)

Artificialintelligence

(e.g.,implementationchallenges,liabilityexposures,misinformation/disinformation)

Bandersnatch/Shutterstock

6

↘

2025:

5(19%)

Changesinlegislationandregulation

(e.g.,tariffs,newdirectives,sustainabilityrequirements)

7

↗

2025:

9(14%)

Politicalrisksandviolence

(e.g.,war,politicalinstability,

terrorism,polarization,coupd’état,

civilunrest,strikes,riots,looting)

Naturalcatastrophes

(e.g.,storm,flood,earthquake,wildfire)

Climatechange

(e.g.,physical,operationalandfinancialrisksasaresultofextremeweather)

9

↘

2025:

6(17%)

Marketdevelopments

(e.g.,intensifiedcompetition/newentrants,

MA,marketstagnation,marketfluctuation)

T