【摘要】：中國毫無疑問已經(jīng)成為世界上機動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動車保有量最多的國家。在機動車保有量快速增長的同時,環(huán)顧我國的車輛保險市場,參與者眾多,競爭激烈,服務水平低下；保險費率、金額的制定計算方式單一落后；車險理賠定損周期長；客戶業(yè)務粘度差、滿意率低；欺詐騙保層出不窮；保險公司內部管理方法落后,效率低下……面對這些嚴重的問題,我們應該可以認識到中國的車險經(jīng)營必須進入到以管理、技術、服務升級為內涵的轉型階段,保險公司只有堅持專業(yè)管理、服務與技術創(chuàng)新、大數(shù)據(jù)分析和應用這三個關鍵點,才能不斷提高風險識別能力和內控執(zhí)行力,適應新階段的保險監(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)技術的發(fā)展和成熟,車聯(lián)網(wǎng)技術在保險領域的應用成為了一種現(xiàn)實的可能,進年來國外發(fā)達國家已經(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)應用相結合的嶄新保險理念和產(chǎn)品,且取得了比較好的實際使用效果。那么車聯(lián)網(wǎng)技術的應用能否給我們國內的保險公司帶來新一輪技術和服務模式的創(chuàng)新,為大部分消費者帶來更好的車險產(chǎn)品,改變目前由大部分安全駕駛員為少數(shù)高風險駕駛員埋單的行業(yè)現(xiàn)狀呢?車聯(lián)網(wǎng)技術對于商業(yè)車險費率的市場化又具有哪些作用,它將對車險行業(yè)帶來哪些根本性的變化,它對于提升保險公司的精準定價能力,提高保險公司的整體競爭優(yōu)勢又能做些什么；在車聯(lián)網(wǎng)技術實際應用于保險領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。本文著眼于應用研究,作者以在MBA學習中所得到的相關知識為基礎,通過理論分析、現(xiàn)狀分析,并結合在相關保險公司和車聯(lián)網(wǎng)技術公司的大量調研,以及實際案例的研究,認識和剖析我國車輛保險行業(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查分析和研究,探索國內車輛保險公司通過車聯(lián)網(wǎng)這一嶄新的技術手段進行一輪新的管理、技術和服務模式創(chuàng)新的現(xiàn)實可能性,為提升保險公司的精準定價能力,提高保險公司的整體競爭優(yōu)勢和服務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.
【學位授予單位】：浙江工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：TP391.44;TN929.5;F842.63

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