车联网技术在车辆保险领域应用的市场调查研究

发布时间：2018-12-22 08:29

【摘要】：中国毫无疑问已经成为世界上机动车保有量增长速度最快的国家,在不久的将来,中国也将成为世界上机动车保有量最多的国家。在机动车保有量快速增长的同时,环顾我国的车辆保险市场,参与者众多,竞争激烈,服务水平低下；保险费率、金额的制定计算方式单一落后；车险理赔定损周期长；客户业务粘度差、满意率低；欺诈骗保层出不穷；保险公司内部管理方法落后,效率低下……面对这些严重的问题,我们应该可以认识到中国的车险经营必须进入到以管理、技术、服务升级为内涵的转型阶段,保险公司只有坚持专业管理、服务与技术创新、大数据分析和应用这三个关键点,才能不断提高风险识别能力和内控执行力,适应新阶段的保险监管要求,在竞争中得到更大的发展空间。随着物联网和车联网技术的发展和成熟,车联网技术在保险领域的应用成为了一种现实的可能,进年来国外发达国家已经开始涌现出了很多基于互联网思维、与车联网应用相结合的崭新保险理念和产品,且取得了比较好的实际使用效果。那么车联网技术的应用能否给我们国内的保险公司带来新一轮技术和服务模式的创新,为大部分消费者带来更好的车险产品,改变目前由大部分安全驾驶员为少数高风险驾驶员埋单的行业现状呢?车联网技术对于商业车险费率的市场化又具有哪些作用,它将对车险行业带来哪些根本性的变化,它对于提升保险公司的精准定价能力,提高保险公司的整体竞争优势又能做些什么；在车联网技术实际应用于保险领域的过程中又存在着哪些问题和障碍呢?这些问题将成为本文所讨论的主题。本文着眼于应用研究,作者以在MBA学习中所得到的相关知识为基础,通过理论分析、现状分析,并结合在相关保险公司和车联网技术公司的大量调研,以及实际案例的研究,认识和剖析我国车辆保险行业在经过数年的超常规发展后,随着外部环境的不断变化和日益激烈的行业竞争所凸显出来的经营和发展瓶颈的问题。作者试图通过详尽的调查分析和研究,探索国内车辆保险公司通过车联网这一崭新的技术手段进行一轮新的管理、技术和服务模式创新的现实可能性,为提升保险公司的精准定价能力,提高保险公司的整体竞争优势和服务水平提供一些思路和见解。
[Abstract]:There is no doubt that China has become the fastest growing country of motor vehicle ownership in the world. In the near future, China will also become the largest country in motor vehicle ownership in the world. At the same time of the rapid growth of vehicle ownership, the vehicle insurance market in China has a large number of participants, fierce competition, low service level, the insurance rate, the amount of calculation method is single backward, the insurance claims settlement period is long; Poor viscosity of customer business, low satisfaction rate; fraud insurance is endless; insurance company internal management methods lag behind, inefficient. In the face of these serious problems, we should be able to realize that China's auto insurance management must enter the transition stage with management, technology and service upgrading as its connotation. Insurance companies only insist on professional management, service and technological innovation. Only by analyzing and applying these three key points, big data can continuously improve the ability of risk identification and internal control execution, adapt to the requirements of insurance supervision in the new stage, and gain more development space in the competition. With the development and maturity of the Internet of things and vehicle networking technology, the application of vehicle networking technology in the field of insurance has become a realistic possibility. In recent years, many foreign developed countries have begun to emerge a lot of thinking based on the Internet. The new insurance concept and product are combined with the application of car networking, and good practical application results have been obtained. Well, can the application of car networking technology bring a new round of technology and service model innovation to our domestic insurance companies, and bring better auto insurance products to most consumers? What about changing the industry where most safety drivers are paying for a few high-risk drivers? What role does the auto networking technology have on the marketization of commercial car insurance rates, what fundamental changes it will bring to the auto insurance industry, and what it will do to enhance the precision pricing ability of insurance companies, What can be done to improve the overall competitive advantage of insurance companies; What are the problems and obstacles in the process of the application of vehicle networking technology in the field of insurance? These questions will be the subject of this article. This paper focuses on applied research, based on the relevant knowledge gained in MBA learning, through theoretical analysis, current situation analysis, combined with a large number of research in relevant insurance companies and car networking technology companies, as well as the actual case study. After several years of extraordinary development of the automobile insurance industry in our country, the bottleneck of operation and development has emerged with the continuous changes of the external environment and the increasingly fierce competition in the industry. Through detailed investigation, analysis and research, the author attempts to explore the realistic possibility of domestic vehicle insurance companies carrying out a new round of management, technology and service model innovation through the new technical means of vehicle networking. In order to improve the precision pricing ability of insurance companies, improve the overall competitive advantage and service level of insurance companies to provide some ideas and opinions.
【学位授予单位】：浙江工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：TP391.44;TN929.5;F842.63

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