發(fā)布時(shí)間：2018-12-22 08:29

【摘要】：中國毫無疑問已經(jīng)成為世界上機(jī)動(dòng)車保有量增長速度最快的國家,在不久的將來,中國也將成為世界上機(jī)動(dòng)車保有量最多的國家。在機(jī)動(dòng)車保有量快速增長的同時(shí),環(huán)顧我國的車輛保險(xiǎn)市場,參與者眾多,競爭激烈,服務(wù)水平低下；保險(xiǎn)費(fèi)率、金額的制定計(jì)算方式單一落后；車險(xiǎn)理賠定損周期長；客戶業(yè)務(wù)粘度差、滿意率低；欺詐騙保層出不窮；保險(xiǎn)公司內(nèi)部管理方法落后,效率低下……面對這些嚴(yán)重的問題,我們應(yīng)該可以認(rèn)識(shí)到中國的車險(xiǎn)經(jīng)營必須進(jìn)入到以管理、技術(shù)、服務(wù)升級為內(nèi)涵的轉(zhuǎn)型階段,保險(xiǎn)公司只有堅(jiān)持專業(yè)管理、服務(wù)與技術(shù)創(chuàng)新、大數(shù)據(jù)分析和應(yīng)用這三個(gè)關(guān)鍵點(diǎn),才能不斷提高風(fēng)險(xiǎn)識(shí)別能力和內(nèi)控執(zhí)行力,適應(yīng)新階段的保險(xiǎn)監(jiān)管要求,在競爭中得到更大的發(fā)展空間。隨著物聯(lián)網(wǎng)和車聯(lián)網(wǎng)技術(shù)的發(fā)展和成熟,車聯(lián)網(wǎng)技術(shù)在保險(xiǎn)領(lǐng)域的應(yīng)用成為了一種現(xiàn)實(shí)的可能,進(jìn)年來國外發(fā)達(dá)國家已經(jīng)開始涌現(xiàn)出了很多基于互聯(lián)網(wǎng)思維、與車聯(lián)網(wǎng)應(yīng)用相結(jié)合的嶄新保險(xiǎn)理念和產(chǎn)品,且取得了比較好的實(shí)際使用效果。那么車聯(lián)網(wǎng)技術(shù)的應(yīng)用能否給我們國內(nèi)的保險(xiǎn)公司帶來新一輪技術(shù)和服務(wù)模式的創(chuàng)新,為大部分消費(fèi)者帶來更好的車險(xiǎn)產(chǎn)品,改變目前由大部分安全駕駛員為少數(shù)高風(fēng)險(xiǎn)駕駛員埋單的行業(yè)現(xiàn)狀呢?車聯(lián)網(wǎng)技術(shù)對于商業(yè)車險(xiǎn)費(fèi)率的市場化又具有哪些作用,它將對車險(xiǎn)行業(yè)帶來哪些根本性的變化,它對于提升保險(xiǎn)公司的精準(zhǔn)定價(jià)能力,提高保險(xiǎn)公司的整體競爭優(yōu)勢又能做些什么；在車聯(lián)網(wǎng)技術(shù)實(shí)際應(yīng)用于保險(xiǎn)領(lǐng)域的過程中又存在著哪些問題和障礙呢?這些問題將成為本文所討論的主題。本文著眼于應(yīng)用研究,作者以在MBA學(xué)習(xí)中所得到的相關(guān)知識(shí)為基礎(chǔ),通過理論分析、現(xiàn)狀分析,并結(jié)合在相關(guān)保險(xiǎn)公司和車聯(lián)網(wǎng)技術(shù)公司的大量調(diào)研,以及實(shí)際案例的研究,認(rèn)識(shí)和剖析我國車輛保險(xiǎn)行業(yè)在經(jīng)過數(shù)年的超常規(guī)發(fā)展后,隨著外部環(huán)境的不斷變化和日益激烈的行業(yè)競爭所凸顯出來的經(jīng)營和發(fā)展瓶頸的問題。作者試圖通過詳盡的調(diào)查分析和研究,探索國內(nèi)車輛保險(xiǎn)公司通過車聯(lián)網(wǎng)這一嶄新的技術(shù)手段進(jìn)行一輪新的管理、技術(shù)和服務(wù)模式創(chuàng)新的現(xiàn)實(shí)可能性,為提升保險(xiǎn)公司的精準(zhǔn)定價(jià)能力,提高保險(xiǎn)公司的整體競爭優(yōu)勢和服務(wù)水平提供一些思路和見解。
[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.
【學(xué)位授予單位】：浙江工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：TP391.44;TN929.5;F842.63

【相似文獻(xiàn)】

相關(guān)期刊論文 前3條

1 貝名強(qiáng);IC卡在車輛保險(xiǎn)業(yè)務(wù)上的應(yīng)用[J];中國信用卡;2001年12期

2 李聰;;充分利用網(wǎng)絡(luò)資源達(dá)到高清遠(yuǎn)程協(xié)同定損效果的系統(tǒng)及方法[J];軟件產(chǎn)業(yè)與工程;2010年06期

3 ;[J];;年期

相關(guān)重要報(bào)紙文章 前10條

1 本報(bào)通訊員 李喜洲;交流中不斷走向完善[N];政府采購信息報(bào);2005年

2 高禾;網(wǎng)絡(luò)車輛保險(xiǎn)漸熱[N];中國保險(xiǎn)報(bào);2000年

3 特邀記者　 郭立俊 王忠彥;蘭州市車輛保險(xiǎn)中心正式開業(yè)[N];甘肅經(jīng)濟(jì)日報(bào);2006年

4 記者 王應(yīng)武;西藏人保積極推進(jìn)車輛保險(xiǎn)改革[N];西藏日報(bào);2003年

5 ;特種車輛保險(xiǎn)[N];甘肅日報(bào);2003年

6 記者 宋敏;我省推出校方車輛保險(xiǎn)計(jì)劃[N];海南日報(bào);2012年

7 張建軍;構(gòu)建車輛保險(xiǎn)采購評估體系[N];中國保險(xiǎn)報(bào);2004年

8 陳宏宇;車輛保險(xiǎn)新條款7月1日實(shí)施[N];中國證券報(bào);2000年

9 胡豐臣 荊代祥;五小車輛潛在的巨大市場[N];中國保險(xiǎn)報(bào);2001年

10 杜雪明 陳輝 向海平;車輛保險(xiǎn)合同特別條款的效力[N];人民法院報(bào);2001年

相關(guān)碩士學(xué)位論文 前8條

1 劉科;政府采購公務(wù)車輛保險(xiǎn)的決策問題研究[D];西南財(cái)經(jīng)大學(xué);2007年

2 趙擁升;車行車輛保險(xiǎn)系統(tǒng)的設(shè)計(jì)與實(shí)現(xiàn)[D];電子科技大學(xué);2013年

3 周路佳;車聯(lián)網(wǎng)技術(shù)在車輛保險(xiǎn)領(lǐng)域應(yīng)用的市場調(diào)查研究[D];浙江工業(yè)大學(xué);2014年

4 宋壽山;中華保險(xiǎn)內(nèi)蒙古分公司車輛保險(xiǎn)營銷策略研究[D];內(nèi)蒙古大學(xué);2014年

5 左思宇;基于移動(dòng)平臺(tái)的車輛保險(xiǎn)系統(tǒng)設(shè)計(jì)與實(shí)現(xiàn)[D];吉林大學(xué);2013年

6 張銳;K1車輛保險(xiǎn)系統(tǒng)的設(shè)計(jì)與實(shí)現(xiàn)[D];華東師范大學(xué);2007年

7 賈東勝;車險(xiǎn)決策管理平臺(tái)的設(shè)計(jì)與實(shí)現(xiàn)[D];大連理工大學(xué);2014年

8 金晨霖;基于3G技術(shù)的車險(xiǎn)理賠系統(tǒng)方案設(shè)計(jì)及分析[D];華南理工大學(xué);2010年

，

本文編號(hào)：2389574