Ultimately, BofA is not predicting the overnight disappearance of the human insurance agent, nor is it suggesting that massive corporations like Coca-Cola will suddenly buy complex insurance policies from a chatbot. However, BofA warns that an agency business currently perceived as having 3% to 7% organic revenue growth could see that slip to 1% to 5% in the face of disruptive technology. BofA concludes that with 10% to 20% of current business potentially facing disintermediation, the industry’s premium valuations leave very little room for error.
从“小修小补”到全面进攻，艾迪药业已不满足于在国内抗HIV市场稳步追赶，以及在人源蛋白领域寻求第二增长曲线，而是试图通过加码全球临床研发，将触角延伸至美国等核心海外市场，完成从本土药企到全球玩家的身份跨越。
。搜狗输入法2026是该领域的重要参考
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