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Tech\uff09\u7684\u9996\u5e2d\u6267\u884c\u5b98\u8868\u793a\uff0c\u8be5\u5e73\u53f0\u4e0d\u4fdd\u8bc1\u7528\u6237\u83b7\u5f97\u6700\u4f4e\u7684\u4fdd\u8d39\uff0c\u4f46\u786e\u4fdd\u7533\u8bf7\u4eba\u4e0d\u4f1a\u88ab\u62d2\u7edd\u3002<\/p>\n<p>\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\u4e0d\u80fd\u5728\u4e2d\u56fd\u81ea\u7531\u5b9a\u4ef7\u4fdd\u5355\u3002\u5f53\u5c40\u6839\u636e\u5305\u62ec\u8f66\u8f86\u7c7b\u578b\u548c\u4f7f\u7528\u60c5\u51b5\u5728\u5185\u7684\u56e0\u7d20\u8bbe\u5b9a\u57fa\u672c\u4fdd\u8d39\u3002\u516c\u53f8\u53ef\u4ee5\u5728\u7279\u5b9a\u8303\u56f4\u5185\u4e0a\u4e0b\u8c03\u6574\u8fd9\u4e9b\u4fdd\u8d39\uff0c\u5177\u4f53\u53d6\u51b3\u4e8e\u9a7e\u9a76\u5458\u7684\u98ce\u9669\u72b6\u51b5\u3002<\/p>\n<p>1\u6708\uff0c\u4e2d\u56fd\u5f53\u5c40\u53d1\u5e03\u4e86\u4e00\u5957\u5e7f\u6cdb\u7684\u6307\u5bfc\u65b9\u9488\uff0c\u544a\u8bc9\u516c\u53f8\u964d\u4f4e\u65b0\u80fd\u6e90\u6c7d\u8f66\u66f4\u6362\u96f6\u4ef6\u548c\u7ef4\u4fee\u7684\u6210\u672c\uff0c\u5e76\u4fc3\u8fdb\u201c\u8de8\u884c\u4e1a\u6570\u636e\u5171\u4eab\u201d\u4e0e\u5408\u4f5c\u3002\u4ed6\u4eec\u8868\u793a\uff0c\u4fdd\u9669\u516c\u53f8\u4e5f\u4e0d\u80fd\u62d2\u7edd\u5ba2\u6237\u6216\u62d2\u7edd\u4ed6\u4eec\u5f3a\u5236\u4ea4\u901a\u4fdd\u9669\u3002<\/p>\n<p>\u4e2d\u56fd\u670960\u591a\u5bb6\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\uff0c\u636e\u6021\u5b89\u79f0\uff0c\u5176\u4e2d\u4e09\u5bb6\u6700\u5927\u7684\u516c\u53f8\u5408\u8ba1\u81f3\u5c11\u5360\u670965%\u7684\u5e02\u573a\u4efd\u989d\u3002\u4e00\u4e9b\u6c7d\u8f66\u5236\u9020\u5546\u4e5f\u5728\u5173\u6ce8\u8fd9\u4e2a\u5e02\u573a\u3002\u6bd4\u4e9a\u8fea\u3001\u5e7f\u6c7d\u548c\u8d5b\u529b\u65af\u5df2\u7ecf\u8054\u624b\u6210\u7acb\u4e86\u4e00\u5bb6\u65b0\u7684\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u516c\u53f8\uff0c\u800c\u7279\u65af\u62c9\u53bb\u5e74\u6ce8\u518c\u4e86\u4e00\u5bb6\u4fdd\u9669\u7ecf\u7eaa\u516c\u53f8\uff0c\u8be5\u516c\u53f8\u7ea6\u6709\u4e09\u5206\u4e4b\u4e00\u7684\u6c7d\u8f66\u9500\u552e\u7ed9\u4e2d\u56fd\u5ba2\u6237\u3002\u851a\u6765\u8fd8\u5728\u4e2d\u56fd\u7ecf\u8425\u7740\u81ea\u5df1\u7684\u4fdd\u9669\u516c\u53f8\u3002<\/p>\n<p>\u636e\u7a46\u8fea\uff08Moody&#8217;s\uff09\u79f0\uff0c2024\u5e74\u65b0\u80fd\u6e90\u6c7d\u8f66\u4fdd\u9669\u7684\u884c\u4e1a\u5e73\u5747\u7efc\u5408\u6210\u672c\u7387\u4e3a107%\uff0c\u800c2023\u5e74\u4e3a109%\u3002\u7efc\u5408\u6210\u672c\u7387\u8d85\u8fc7100%\u53cd\u6620\u4e86\u627f\u4fdd\u4e8f\u635f\u2014\u2014\u8fd9\u610f\u5473\u7740\u516c\u53f8\u5728\u7406\u8d54\u548c\u8d39\u7528\u4e0a\u7684\u652f\u51fa\u8d85\u8fc7\u4e86\u4ed6\u4eec\u6536\u53d6\u7684\u4fdd\u8d39\u3002\u4e2d\u56fd\u8bb8\u591a\u8f83\u5c0f\u7684\u4fdd\u9669\u516c\u53f8\u751a\u81f3\u96be\u4ee5\u4ece\u4f20\u7edf\u6c7d\u8f66\u4fdd\u9669\u4e2d\u83b7\u5229\uff0c\u56e0\u4e3a\u5b83\u4eec\u7f3a\u4e4f\u89c4\u6a21\u548c\u5b9a\u4ef7\u6743\u3002<\/p>\n<p>\u4e2d\u56fd\u6700\u5927\u7684\u4fdd\u9669\u516c\u53f8\u4e4b\u4e00\u4e2d\u56fd\u5e73\u5b89\u65d7\u4e0b\u7684\u5e73\u5b89\u4ea7\u9669\u8868\u793a\uff0c\u5176\u7535\u52a8\u6c7d\u8f66\u4e1a\u52a1\u57282024\u5e74\u548c\u4eca\u5e74\u4e0a\u534a\u5e74\u5b9e\u73b0\u4e86\u627f\u4fdd\u76c8\u5229\u3002\u8be5\u516c\u53f8\u8868\u793a\uff0c\u5b83\u5df2\u7ecf\u5f00\u53d1\u51fa\u6709\u52a9\u4e8e\u533a\u5206\u7f51\u7ea6\u8f66\u53f8\u673a\u548c\u5176\u4ed6\u8f66\u4e3b\u7684\u6280\u672f\uff0c\u5e76\u4e14\u4e00\u76f4\u5728\u7814\u7a76\u201c\u7ef4\u4fee\u7ecf\u6d4e\u5b66\u201d\uff0c\u5e76\u4e0e\u6c7d\u8f66\u5236\u9020\u5546\u5408\u4f5c\u201c\u8bc6\u522b\u4e8b\u6545\u573a\u666f\u4ee5\u6539\u5584\u8f66\u8f86\u8bbe\u8ba1\u201d\u3002<\/p>\n<p>\u5e73\u5b89\u6700\u5927\u7684\u7ade\u4e89\u5bf9\u624b\u4e2d\u56fd\u4eba\u4fdd\u548c\u4e2d\u56fd\u592a\u4fdd\u6700\u8fd1\u62a5\u544a\u79f0\uff0c\u4ed6\u4eec\u5546\u4e1a\u7535\u52a8\u6c7d\u8f66\u627f\u4fdd\u7684\u7efc\u5408\u6210\u672c\u7387\u9ad8\u4e8e100%\uff0c\u800c\u4ed6\u4eec\u4e3a\u79c1\u4eba\u548c\u5bb6\u5ead\u4f7f\u7528\u7535\u52a8\u6c7d\u8f66\u4fdd\u5355\u7684\u627f\u4fdd\u662f\u6709\u5229\u53ef\u56fe\u7684\u3002<\/p>\n<p>\u4e9a\u6d32\u4fdd\u9669\u7814\u7a76\u6240\u9996\u5e2d\u6267\u884c\u5b98Paul Low\u8868\u793a\uff1a\u201c\u76c8\u5229\u56fa\u7136\u91cd\u8981\uff0c\u4f46\u4fdd\u9669\u516c\u53f8\u4e5f\u6709\u5c65\u884c\u793e\u4f1a\u8d23\u4efb\u3002\u201d\u201c\u4e2d\u56fd\u7684\u56fd\u5bb6\u8bae\u7a0b\u662f\u63a8\u52a8\u7535\u52a8\u6c7d\u8f66\u7684\u53d1\u5c55\uff0c\u800c\u8d1f\u62c5\u80fd\u529b\u975e\u5e38\u91cd\u8981\u3002\u201d <\/p>\n<hr>\n<p><b>\u5206\u6790\u5927\u6a21\u578b\uff1a<\/b>gemma2<br \/><b>\u5f97\u5206\uff1a<\/b>20<br \/><b>\u539f\u56e0\uff1a<\/b><\/p>\n<pre style=\"white-space: pre-wrap;font-size: inherit;\">\u6587\u7ae0\u603b\u4f53\u6bd4\u8f83\u5ba2\u89c2\u5730\u9648\u8ff0\u4e86\u4e2d\u56fd\u65b0\u80fd\u6e90\u8f66\u9669\u884c\u4e1a\u9762\u4e34\u7684\u6311\u6218\u548c\u5e94\u5bf9\u63aa\u65bd\uff0c\u4ee5\u53ca\u884c\u4e1a\u672a\u6765\u7684\u53d1\u5c55\u6f5c\u529b\u3002\u7ed3\u5c3e\u5904\u5f15\u7528\u4e13\u5bb6\u89c2\u70b9\uff0c\u5f3a\u8c03\u4e86\u4fdd\u9669\u516c\u53f8\u7684\u793e\u4f1a\u8d23\u4efb\u548c\u56fd\u5bb6\u63a8\u52a8\u7535\u52a8\u6c7d\u8f66\u53d1\u5c55\u7684\u76ee\u6807\uff0c\u5e26\u6709\u4e00\u5b9a\u7684\u6b63\u9762\u80af\u5b9a\u3002<\/pre>\n<hr>\n<p><b>\u539f\u6587\u5730\u5740\uff1a<\/b><a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2025-09-21\/china-s-ev-boom-saddles-its-auto-insurers-with-chronic-losses\" target=\"_blank\">China\u2019s EV Boom Saddles Its Auto Insurers With Losses<\/a><br \/> <b>\u65b0\u95fb\u65e5\u671f\uff1a<\/b>2025-10-22<\/p>\n<div style=\"margin: 20px 0;\"><div class=\"qrcswholewtapper\" style=\"text-align:left;\"><div 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[&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[79],"tags":[21810,9169,542,21809,265],"class_list":["post-39060","post","type-post","status-publish","format-standard","hentry","category-79","tag-21810","tag-9169","tag-542","tag-21809","tag-265"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/news.tomjun.com\/index.php?rest_route=\/wp\/v2\/posts\/39060","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/news.tomjun.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/news.tomjun.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/news.tomjun.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/news.tomjun.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=39060"}],"version-history":[{"count":1,"href":"https:\/\/news.tomjun.com\/index.php?rest_route=\/wp\/v2\/posts\/39060\/revisions"}],"predecessor-version":[{"id":39061,"href":"https:\/\/news.tomjun.com\/index.php?rest_route=\/wp\/v2\/posts\/39060\/revisions\/39061"}],"wp:attachment":[{"href":"https:\/\/news.tomjun.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=39060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/news.tomjun.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=39060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/news.tomjun.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=39060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}