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安联(Allianz):2026年全球商业风险晴雨表:主要风险识别(英文版)(43页).pdf

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1、ALLIANZ COMMERCIALAllianz Risk BarometerIdentifying the major business risks for 2026The most important corporate concerns for the year ahead,as ranked by 3,338 risk management experts from 97 countries and territoriesmbolina/Adobe StockThe 15th Allianz Risk Barometer incorporates the views of 3,338

2、 respondents from 97 countries and territories.The annual corporate risk survey was conducted among Allianz customers(businesses around the globe),brokers and industry trade organizations.It also surveyed risk consultants,underwriters,senior managers,claims experts,as well as other risk management p

3、rofessionals in the corporate insurance segment of Allianz Commercial and other Allianz entities.Respondents were questioned during October and November 2025.The survey focused on large,smaller and mid-size companies.Respondents were asked to select the industry about which they were particularly kn

4、owledgeable and to name up to three risks they believed to be most important.Most answers were for large companies(US$500mn annual revenue)1,471 respondents,44%.Mid-size companies($100mn+to$500mn revenue)contributed 816 respondents(24%),while smaller enterprises(US$500mn annual revenues),mid-sized($

5、100mn to$500mn)and smaller companies(1mn)seen during the first half of 2025,while 40%of the value of large cyber claims seen during this period included data theft,up from 25%in all of 2024.At the same time,attackers are also increasingly using AI to automate attack processes,which enables them to c

6、arry out more attacks,faster and more efficiently.AI is also lowering the bar for threat actors,making it easier for criminals who lack technical skills and ransomware expertise to execute attacks.nuclear_lily/ShutterstockALLIANZ RISK BAROMETER 2026|ALLIANZ COMMERCIAL 10The continuing dominance of c

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1. **全球风险排名**:2026年安联风险晴雨表显示,网络 incidents(42%)连续第五年位列全球第一大风险,人工智能(AI)跃居第二位(32%),商业中断(29%)排名第三。 2. **AI风险激增**:AI从2025年第10位跃升至第2位,主要因实施挑战、责任风险及虚假信息问题;44%受访者认为AI利大于弊,但19%认为风险更高。 3. **供应链韧性不足**:仅3%企业认为供应链“非常韧性”,地缘政治冲突(51%)被视为最可能的“黑天鹅”事件。 4. **投资与应对**:90%企业计划对网络安全进行“中高”投资;AI治理、员工再培训(49%)及供应链多元化(49%)是主要应对措施。 5. **自然灾害与监管**:自然灾害排名降至第5位(21%),但2025年 insured 损失仍达1070亿美元;监管分歧(如AI、ESG)成为2026年关键风险。
网络风险为何居首? AI风险飙升有何影响? 供应链韧性如何提升?
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