


{"id":33221,"date":"2025-06-12T14:00:00","date_gmt":"2025-06-12T06:00:00","guid":{"rendered":"https:\/\/aprea.asia\/?post_type=knowledge-hub&#038;p=33221"},"modified":"2025-10-24T14:57:49","modified_gmt":"2025-10-24T06:57:49","slug":"rewriting-the-playbook-links-resilience-linked-insurance-renewal","status":"publish","type":"knowledge-hub","link":"https:\/\/www.aprea.asia\/zh\/knowledge-hub\/rewriting-the-playbook-links-resilience-linked-insurance-renewal\/","title":{"rendered":"\u91cd\u5851\u7b56\u7565\uff1aLink \u7684\u97e7\u6027\u6302\u94a9\u4fdd\u9669\u7eed\u4fdd"},"content":{"rendered":"<p class=\"\"><em>\u672c\u6587\u6458\u81ea\u767d\u76ae\u4e66\u201c<a href=\"https:\/\/www.linkreit.com\/-\/media\/linkreit\/sustainability\/esg-insights-and-collaboration\/2025\/link-white-paper_20250401.pdf?rev=8b7f0eaa5e4d492d8844278a54fae97e&amp;hash=2AA3551CCC23953F2354517D01DDAF1E\">\u53ef\u6301\u7eed\u53d1\u5c55\u6302\u94a9\u4fdd\u9669\uff1a\u5956\u52b1\u6c14\u5019\u98ce\u9669\u9002\u5e94<\/a>\u201d\u7531 Link Asset Management\u3001AXA \u548c Marsh \u8054\u5408\u51fa\u7248\u3002.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"400\" height=\"569\" src=\"https:\/\/aprea.asia\/wp-content\/uploads\/2025\/07\/unnamed_2.jpg\" alt=\"\" class=\"wp-image-33226\" style=\"width:300px\" srcset=\"https:\/\/www.aprea.asia\/wp-content\/uploads\/2025\/07\/unnamed_2.jpg 400w, https:\/\/www.aprea.asia\/wp-content\/uploads\/2025\/07\/unnamed_2-211x300.jpg 211w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/figure>\n\n\n\n<p class=\"\">\u51e0\u5341\u5e74\u6765\uff0c\u623f\u5730\u4ea7\u884c\u4e1a\u4e00\u76f4\u5c06\u4fdd\u9669\u89c6\u4e3a\u5f00\u5c55\u4e1a\u52a1\u7684\u5fc5\u8981\u6210\u672c\u2014\u2014\u4e00\u79cd\u9632\u8303\u4e0d\u53ef\u9884\u89c1\u98ce\u9669\u7684\u4fdd\u969c\u63aa\u65bd\uff0c\u4f46\u5f88\u5c11\u5c06\u5176\u89c6\u4e3a\u521b\u9020\u4ef7\u503c\u7684\u5de5\u5177\u3002.<\/p>\n\n\n\n<p class=\"\">\u8fd9\u79cd\u6a21\u5f0f\u6b63\u5728\u8f6c\u53d8\u3002.<\/p>\n\n\n\n<p class=\"\">Link Asset Management (Link) \u63d0\u51fa\u4e86\u5982\u4f55\u5c06\u623f\u5730\u4ea7\u6c14\u5019\u9002\u5e94\u529b\u63aa\u65bd\u4e0e\u4fdd\u9669\u6761\u6b3e\u8054\u7cfb\u8d77\u6765\u2014\u2014\u8fd9\u79cd\u6a21\u5f0f\u4e0d\u4ec5\u63d0\u4f9b\u4fdd\u62a4\uff0c\u800c\u4e14\u79ef\u6781\u5956\u52b1\u5bf9\u6c14\u5019\u9002\u5e94\u63aa\u65bd\u7684\u6295\u8d44\u3002.<\/p>\n\n\n\n<p class=\"\">\u901a\u8fc7\u91cf\u5316\u6c14\u5019\u98ce\u9669\u5e76\u8fdb\u884c\u6709\u9488\u5bf9\u6027\u7684\u97e7\u6027\u6295\u8d44\uff0c\u9886\u5c55\u96c6\u56e2\uff08Link\uff09\u901a\u8fc7\u5176\u4fdd\u9669\u7ecf\u7eaa\u516c\u53f8\u8fbe\u4fe1\u9999\u6e2f\uff08Marsh Hong Kong\uff09\u83b7\u5f97\u4e86\u4fdd\u969c\u3002&nbsp;<strong>11.7% \u51cf\u5c11<\/strong>&nbsp;\u5728\u8d22\u4ea7\u4fdd\u9669\u4fdd\u8d39\u65b9\u9762\uff0cLink \u7684\u8868\u73b0\u663e\u8457\u4f18\u4e8e\u884c\u4e1a\u5e73\u5747\u6c34\u5e73\uff08\u7ea6 31 \u4e07\u4ebf\u81f3 3 \u4e07\u4ebf\u7f8e\u5143\uff09\u3002\u66f4\u91cd\u8981\u7684\u662f\uff0cLink \u8fd8\u8fdb\u884c\u4e86\u8c08\u5224\u2026\u2026&nbsp;<strong>\u989d\u5916\u964d\u4f4e 7.5% \u4fdd\u8d39<\/strong>&nbsp;\u4e0e\u635f\u5931\u7387\u6302\u94a9\uff0c\u4ece\u800c\u4e3a\u7ee7\u7eed\u6295\u8d44\u957f\u671f\u6c14\u5019\u51c6\u5907\u5de5\u4f5c\u521b\u9020\u4e86\u76f4\u63a5\u7684\u7ecf\u6d4e\u52a8\u529b\u3002.<\/p>\n\n\n\n<p class=\"\">\u672c\u6848\u4f8b\u7814\u7a76\u4e0d\u4ec5\u4ec5\u5173\u4e4e\u4e00\u5bb6\u516c\u53f8\u7684\u6210\u529f\u3002\u66f4\u91cd\u8981\u7684\u662f\uff0c\u5b83\u7a81\u663e\u4e86\u623f\u5730\u4ea7\u516c\u53f8\u548c\u4fdd\u9669\u516c\u53f8\u5728\u8c03\u6574\u6fc0\u52b1\u673a\u5236\u548c\u589e\u5f3a\u6c14\u5019\u9002\u5e94\u80fd\u529b\u65b9\u9762\u6240\u9762\u4e34\u7684\u6839\u672c\u6027\u8f6c\u53d8\u548c\u5b9e\u65f6\u673a\u9047\u3002.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li class=\"\">\u4f5c\u4e3a\u4e00\u540d&nbsp;<strong>\u63d0\u9192<\/strong>&nbsp;\u6781\u7aef\u5929\u6c14\u4e8b\u4ef6\u5728\u6c14\u5019\u53d8\u5316\u7684\u5f71\u54cd\u4e0b\u6b63\u53d8\u5f97\u8d8a\u6765\u8d8a\u4e25\u91cd\uff0c\u5bfc\u81f4\u5de8\u5927\u7684\u7ecf\u6d4e\u635f\u5931\u3002<\/li>\n\n\n\n<li class=\"\">\u4f5c\u4e3a\u4e00\u540d&nbsp;<strong>\u5c55\u793a<\/strong>&nbsp;\u2014\u2014\u79ef\u6781\u4e3b\u52a8\u7684\u6c14\u5019\u98ce\u9669\u9002\u5e94\u63aa\u65bd<\/li>\n\n\n\n<li class=\"\">\u4f5c\u4e3a\u4e00\u540d&nbsp;<strong>\u884c\u52a8\u53f7\u53ec<\/strong>&nbsp;\u2014\u2014\u5229\u7528\u8d44\u4ea7\u7ba1\u7406\u516c\u53f8\u548c\u4fdd\u9669\u516c\u53f8\u4e4b\u95f4\u4e92\u60e0\u4e92\u5229\u7684\u5173\u7cfb\u6765\u589e\u5f3a\u6c14\u5019\u9002\u5e94\u80fd\u529b<\/li>\n<\/ol>\n\n\n\n<p class=\"\"><strong>\u4ece\u98ce\u9669\u610f\u8bc6\u5230\u884c\u52a8\u4e2d\u7684\u97e7\u6027<\/strong><\/p>\n\n\n\n<p class=\"\">\u6781\u7aef\u5929\u6c14\u4e8b\u4ef6\u4e0d\u518d\u662f\u5f02\u5e38\u73b0\u8c61\uff0c\u800c\u662f\u73b0\u5b9e\u5b58\u5728\u7684\u3002&nbsp;<strong>2023\u5e749\u6708\uff0c\u9999\u6e2f\u906d\u9047\u8d85\u5f3a\u53f0\u98ce\u201c\u838e\u62c9\u201d\u548c\u7834\u7eaa\u5f55\u7684\u66b4\u96e8\u7684\u53cc\u91cd\u6253\u51fb\u3002<\/strong>, \u9020\u6210\u4e86\u5927\u8303\u56f4\u7684\u8d22\u4ea7\u635f\u5931\u3002\u623f\u5730\u4ea7\u884c\u4e1a\u7684\u5e38\u89c4\u5e94\u5bf9\u63aa\u65bd\u662f\u88ab\u52a8\u7684\uff1a\u63d0\u4ea4\u7d22\u8d54\u3001\u627f\u62c5\u635f\u5931\uff0c\u5e76\u51c6\u5907\u8fce\u63a5\u4e0d\u53ef\u907f\u514d\u7684\u4fdd\u8d39\u4e0a\u6da8\u3002.<\/p>\n\n\n\n<p class=\"\"><strong>\u6797\u514b\u9009\u62e9\u4e86\u4e0d\u540c\u7684\u65b9\u6cd5\u3002<\/strong>. \u5b83\u6ca1\u6709\u5c06\u97e7\u6027\u89c6\u4e3a\u6210\u672c\uff0c\u800c\u662f\u5c06\u5176\u89c6\u4e3a\u6295\u8d44\u673a\u4f1a\u2014\u2014\u4e00\u79cd\u53ef\u4ee5\u91cf\u5316\u3001\u4f18\u5316\u5e76\u6700\u7ec8\u83b7\u5f97\u56de\u62a5\u7684\u6295\u8d44\u673a\u4f1a\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"696\" height=\"464\" src=\"https:\/\/www.aprea.asia\/wp-content\/uploads\/2025\/06\/link1.jpg\" alt=\"\" class=\"wp-image-37584\" style=\"width:300px\" srcset=\"https:\/\/www.aprea.asia\/wp-content\/uploads\/2025\/06\/link1.jpg 696w, https:\/\/www.aprea.asia\/wp-content\/uploads\/2025\/06\/link1-300x200.jpg 300w\" sizes=\"(max-width: 696px) 100vw, 696px\" \/><\/figure>\n\n\n\n<p class=\"\">Link \u5c06\u5176\u4e0e\u4fdd\u9669\u516c\u53f8\u7684\u5173\u7cfb\u4ece\u4ea4\u6613\u5173\u7cfb\u91cd\u65b0\u5b9a\u4e49\u4e3a<strong>&nbsp;\u98ce\u9669\u7ba1\u7406\u9886\u57df\u7684\u5408\u4f5c<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">\u4e0e Marsh \u9999\u6e2f\u5408\u4f5c\u8fdb\u884c\u5d4c\u5165\u5f0f\u5f00\u53d1&nbsp;<strong>\u5c06\u97e7\u6027\u5efa\u8bbe\u5de5\u4f5c\u8f6c\u5316\u4e3a\u4ee5\u97e7\u6027\u4e3a\u91cd\u70b9\u7684\u4fdd\u9669\u5de1\u56de\u5c55<\/strong>, \u5e26\u6765&nbsp;<strong>22\u5bb6\u4fdd\u9669\u516c\u53f8<\/strong>&nbsp;\u8fdb\u5165\u65e9\u671f\u8ba8\u8bba\u9636\u6bb5\u3002.<\/li>\n\n\n\n<li class=\"\">\u5448\u73b0&nbsp;<strong>\u53ef\u91cf\u5316\u7684\u8bc1\u636e<\/strong>&nbsp;\u964d\u4f4e\u98ce\u9669\uff0c\u5c55\u793aLink\u5728\u9632\u6d2a\u63aa\u65bd\u65b9\u9762\u6295\u5165\u7684100\u4e07\u6e2f\u5143\u3002.<\/li>\n\n\n\n<li class=\"\">\u4e0e\u5b89\u76db\u96c6\u56e2\u5408\u4f5c\u5f00\u5c55\u53ef\u6301\u7eed\u53d1\u5c55\u6302\u94a9\u4fdd\u9669\u6982\u5ff5\u9a8c\u8bc1\u9879\u76ee\uff0c\u5c55\u793a\u4e86Link\u7684\u9632\u6d2a\u63aa\u65bd\u5982\u4f55\u964d\u4f4e\u6f5c\u5728\u635f\u5931\u3002<strong>&nbsp;10- 20%<\/strong>.<\/li>\n\n\n\n<li class=\"\">\u534f\u5546&nbsp;<strong>\u4e0e\u4e1a\u7ee9\u6302\u94a9\u7684\u4fdd\u8d39\u51cf\u514d<\/strong>, \u901a\u8fc7\u964d\u4f4e\u635f\u5931\u7387\u6765\u786e\u4fdd\u989d\u5916\u7684\u6210\u672c\u8282\u7ea6\uff0c\u5e76\u6fc0\u52b1\u6301\u7eed\u6295\u8d44\u4e8e\u589e\u5f3a\u97e7\u6027\u3002.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">\u901a\u8fc7\u6574\u5408\u98ce\u9669\u8bc6\u522b\u3001\u6709\u9488\u5bf9\u6027\u7684\u7f13\u89e3\u63aa\u65bd\u548c\u900f\u660e\u7684\u4fdd\u9669\u516c\u53f8\u53c2\u4e0e\uff0cLink&nbsp;<strong>\u5c06\u97e7\u6027\u4ece\u4e00\u79cd\u9632\u5fa1\u63aa\u65bd\u8f6c\u53d8\u4e3a\u4e00\u79cd\u8d22\u52a1\u4f18\u52bf<\/strong>.<\/p>\n\n\n\n<p class=\"\"><strong>\u97e7\u6027\u6846\u67b6\uff1a\u6c14\u5019\u9002\u5e94\u7684\u516d\u5927\u652f\u67f1<\/strong><\/p>\n\n\n\n<p class=\"\">\u6784\u5efa\u4e0e\u97e7\u6027\u6302\u94a9\u7684\u4fdd\u9669\u6a21\u5f0f\u9700\u8981\u7ed3\u6784\u5316\u7684\u3001\u6570\u636e\u9a71\u52a8\u7684\u65b9\u6cd5\u3002Link \u7684\u6846\u67b6\u7531\u516d\u4e2a\u76f8\u4e92\u5173\u8054\u7684\u652f\u67f1\u7ec4\u6210\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li class=\"\">\u7efc\u5408\u6c14\u5019\u98ce\u9669\u8bc4\u4f30<\/li>\n\n\n\n<li class=\"\">\u8d44\u4ea7\u5c42\u9762\u7684\u97e7\u6027\u589e\u5f3a<\/li>\n\n\n\n<li class=\"\">&nbsp;\u6807\u51c6\u5316\u5e94\u6025\u9884\u6848<\/li>\n\n\n\n<li class=\"\">\u9884\u9632\u6027\u7ef4\u62a4\u548c\u6392\u6c34\u4f18\u5316<\/li>\n\n\n\n<li class=\"\">\u79ef\u6781\u4e3b\u52a8\u7684\u5229\u76ca\u76f8\u5173\u8005\u534f\u8c03<\/li>\n\n\n\n<li class=\"\">&nbsp;\u5feb\u901f\u6062\u590d\u548c\u4e1a\u52a1\u8fde\u7eed\u6027\u8ba1\u5212<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"907\" height=\"834\" src=\"https:\/\/www.aprea.asia\/wp-content\/uploads\/2025\/06\/unnamed_1.png\" alt=\"\" class=\"wp-image-37583\" style=\"width:300px\" srcset=\"https:\/\/www.aprea.asia\/wp-content\/uploads\/2025\/06\/unnamed_1.png 907w, https:\/\/www.aprea.asia\/wp-content\/uploads\/2025\/06\/unnamed_1-300x276.png 300w\" sizes=\"(max-width: 907px) 100vw, 907px\" \/><\/figure>\n\n\n\n<p class=\"\">\u8fd9\u4e9b\u652f\u67f1\u4e2d\u7684\u6bcf\u4e00\u4e2a\u90fd\u878d\u5165\u4e86Link\u7684\u97e7\u6027\u5173\u8054\u4fdd\u9669\u7ed3\u6784\uff0c\u4ece\u800c\u786e\u4fdd\u53ef\u8861\u91cf\u7684\u98ce\u9669\u964d\u4f4e\u3001\u8fd0\u8425\u7a33\u5b9a\u6027\u548c\u957f\u671f\u8d22\u52a1\u8282\u7701\u3002.<\/p>\n\n\n\n<p class=\"\"><strong>\u4ece\u97e7\u6027\u5230\u7ade\u4e89\u4f18\u52bf<\/strong><\/p>\n\n\n\n<p class=\"\">Link\u7684\u201c\u97e7\u6027\u4f18\u5148\u201d\u7b56\u7565\u53d6\u5f97\u4e86\u663e\u8457\u6210\u6548\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"741\" height=\"629\" src=\"https:\/\/www.aprea.asia\/wp-content\/uploads\/2025\/06\/unnamed.png\" alt=\"\" class=\"wp-image-37585\" style=\"width:300px\" srcset=\"https:\/\/www.aprea.asia\/wp-content\/uploads\/2025\/06\/unnamed.png 741w, https:\/\/www.aprea.asia\/wp-content\/uploads\/2025\/06\/unnamed-300x255.png 300w\" sizes=\"(max-width: 741px) 100vw, 741px\" \/><\/figure>\n\n\n\n<p class=\"\">Link\u901a\u8fc7\u5c06\u6c14\u5019\u97e7\u6027\u878d\u5165\u5176\u8fd0\u8425\u548c\u8d22\u52a1\u6218\u7565\uff0c\u8bc1\u660e\u4e86\u8fd9\u4e00\u70b9\u3002<strong>&nbsp;\u6c14\u5019\u9002\u5e94\u4e0d\u4ec5\u4ec5\u662f\u4e00\u79cd\u9632\u5fa1\u63aa\u65bd\uff0c\u5b83\u66f4\u662f\u4e00\u79cd\u4ef7\u503c\u9a71\u52a8\u529b\u3002<\/strong>.<\/p>\n\n\n\n<p class=\"\"><em><strong>\u201c\u6211\u4eec\u6b22\u8fce\u9886\u5c55\u623f\u5730\u4ea7\u6295\u8d44\u4fe1\u6258\u57fa\u91d1\u4e3a\u589e\u5f3a\u5176\u8d44\u4ea7\u7684\u97e7\u6027\u548c\u53ef\u6301\u7eed\u6027\u6240\u505a\u7684\u52aa\u529b\uff0c\u5e76\u5f88\u9ad8\u5174\u901a\u8fc7\u63d0\u4f9b\u6709\u4fdd\u969c\u7684\u4fdd\u9669\u80fd\u529b\u548c\u6761\u6b3e\u7ec6\u5219\u6765\u8868\u8fbe\u6211\u4eec\u7684\u652f\u6301\u3002\u201d<\/strong>. \u6781\u7aef\u5929\u6c14\u548c\u6c14\u5019\u98ce\u9669\u5bf9\u623f\u5730\u4ea7\u884c\u4e1a\u6765\u8bf4\u662f\u5207\u5b9e\u5b58\u5728\u7684\u95ee\u9898\uff0c\u53ea\u6709\u6240\u6709\u5229\u76ca\u76f8\u5173\u8005\u5171\u540c\u52aa\u529b\u624d\u80fd\u6700\u597d\u5730\u89e3\u51b3\u8fd9\u4e9b\u95ee\u9898\u3002.<\/em>\u201d<\/p>\n\n\n\n<p class=\"\">\u2014\u2014\u7531\u4e00\u5bb6\u4fdd\u9669\u516c\u53f8\u533f\u540d\u62a5\u4ef7<\/p>\n\n\n\n<p class=\"\"><strong>\u63a5\u4e0b\u6765\u4f1a\u53d1\u751f\u4ec0\u4e48\uff1f<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>\u9762\u5411\u623f\u5730\u4ea7\u9886\u5bfc\u8005<\/strong>\u5982\u4f55\u5c06\u6570\u636e\u9a71\u52a8\u7684\u97e7\u6027\u878d\u5165\u5230\u60a8\u7684\u6295\u8d44\u7ec4\u5408\u7b56\u7565\u4e2d\uff1f<\/li>\n\n\n\n<li 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