我国UBI车险商业模式设计

发布时间：2019-01-20 11:27

【摘要】：机动车辆保险(简称“车险”)是我国财险市场上的主要险种,其保费收入占财产保险总保费收入主要部分。尽管保费收入占比较大,但我国车险行业的盈利状况却不理想。因此,2015年我国开始研究实施商业车险费率改革,给予保险公司更多的车险定价权利。同时,大数据、车联网技术的兴起让保险公司有了切实可行的技术途径来获取车辆的运行参数、驾驶员的驾驶行为、道路环境等数据,并将其应用于客户优选、车险费率厘定、理赔等。在这样的大环境下,新型的UBI保险开始出现。UBI保险让保险公司拥有了精准定价、精准营销的能力,但由于我国费率改革刚刚开始,车联网等技术发展也还不成熟,同时市场上的UBI车险存在许多问题,让保险公司对于UBI保险心存疑虑。本文从多方面介绍并分析了UBI保险产生发展的背景与存在的问题,结合国外经验论述了保险公司发展UBI保险的重要性,提出保险公司发展UBI车险的商业模式内容并在对其进行了合理性论证,创造性地提出了隐私问题的解决方案并对智能手机应用于UBI的可行性进行了论述,最后提出保险公司发展UBI保险的策略。
[Abstract]:Motor vehicle insurance (abbreviated as "auto insurance") is the main type of insurance in the property insurance market in China, and its premium income accounts for the main part of the total premium income of property insurance. Although premium income is relatively large, but the profit situation of automobile insurance industry in China is not ideal. Therefore, in 2015, China began to study the implementation of commercial car insurance rate reform, giving insurance companies more pricing rights. At the same time, big data, the rise of car networking technology has given insurance companies a practical and feasible technical way to obtain data on vehicle operation parameters, driver's driving behavior, road environment, and so on, and apply it to customer selection and car insurance rate determination. Settle claims, etc. In such an environment, a new type of UBI insurance has begun to emerge. UBI insurance gives insurance companies the ability to price accurately and market accurately. However, because China's tariff reform has just begun, the development of technologies such as car networking is not yet mature. At the same time, there are many problems in the market of UBI auto insurance, so that insurance companies have doubts about UBI insurance. This paper introduces and analyzes the background and existing problems of UBI insurance from many aspects, and discusses the importance of developing UBI insurance in insurance companies combined with foreign experience. This paper puts forward the content of business model of developing UBI auto insurance by insurance company and demonstrates its rationality, creatively puts forward the solution of privacy problem and discusses the feasibility of applying smart phone to UBI. Finally, the strategy of developing UBI insurance for insurance companies is put forward.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.634

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