博车网事故车拍卖商业模式优化研究

发布时间：2018-05-19 06:00

本文选题：推定全损 + 事故车拍卖　；参考：《北京交通大学》2015年硕士论文

【摘要】：随着我国汽车保有量的不断增加,汽车保险行业快速发展,车辆出险后的理赔工作量也越来越大。我国汽车售后市场的发展过程中存在很多特殊情况,例如4S店变相垄断维修市场,维修行业技术水平参差不齐,高“零整比”、以及保费市场化不完善等。种种因素导致了车险承保市场不断扩大的同时,车辆出险后的理赔维修成本居高不下,车险行业出现整体利润与发展规模极不相符的格局,如果不寻求突破将最终不利于车主和被保险人的利益。近年来,越来越多的保险公司开始将推定全损作为理赔减损的重要手段,经过实践取得了不错的效果。以此为契机,创新的事故车拍卖商业模式成为以推定全损为基础的车辆保险理赔和事故车交易的方式。事故车拍卖是保险公司对事故车辆推定全损后,委托拍卖公司对车辆进行现状拍卖,残值商通过拍卖竞价获得事故车所有权,将车辆维修后销售至二手车市场的过程。事故车拍卖最近几年才在我国开始发展,行业发展处在起步阶段。博车网成立于2014年,是专门从事事故车拍卖的企业。公司成立一年来,业务发展迅速,取得一定市场占有率,但在事故车拍卖业务的进行中也存在很多问题急需解决。本文从商业模式的角度分析博车网的运营特性,阐述其商业模式逻辑,研究企业现状与问题,结合信息不对称、五力模型等相关理论进行研究分析,探讨该企业的商业模式优化方案,以此为企业未来发展提供参考。
[Abstract]:With the increasing of automobile ownership and the rapid development of automobile insurance industry, the amount of claim after vehicle insurance is becoming more and more large. There are many special situations in the development of automobile after-sale market in China, such as 4S store disguised monopoly maintenance market, uneven technical level of maintenance industry, high "zero integral ratio", and imperfect insurance premium marketization and so on. Various factors have led to the continuous expansion of the auto insurance market at the same time, after the vehicle insurance claims maintenance costs remain high, car insurance industry overall profits and development scale is very inconsistent with the pattern. If you do not seek a breakthrough will ultimately be detrimental to the interests of vehicle owners and the insured. In recent years, more and more insurance companies begin to assume total loss as an important means to reduce claims. Taking this as an opportunity, the innovative business model of accident car auction becomes the mode of vehicle insurance claim and accident vehicle transaction based on the presumption of total loss. The auction of accident vehicle is the process of entrusting the auction company to auction the current situation of the vehicle after the insurance company presumes the total loss of the accident vehicle. The residual value merchant obtains the ownership of the accident car through auction and sells the vehicle after maintenance to the second-hand car market. In recent years, the auction of accident vehicles has started to develop in China, and the development of the industry is in its infancy. Bo car network was established in 2014, is engaged in accident car auction enterprises. Since the company was established for one year, the business has developed rapidly and gained a certain market share. However, there are many problems in the accident car auction business that need to be solved urgently. From the angle of business model, this paper analyzes the operation characteristics of the network, expounds the logic of its business model, studies the current situation and problems of the enterprise, and studies and analyzes the related theories such as information asymmetry, five-force model and so on. In order to provide reference for the future development of the enterprise, this paper discusses the optimization scheme of the business model of the enterprise.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.59

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