中国智能网联车险之现实困境与创新路径
The Reality Dilemma and Innovation Path of Intelligent and Connected Auto Insurance in China
唐金成 1刘一鸣1
作者信息
- 1. 广西大学经济学院 广西南宁 530004
- 折叠
摘要
在智慧交通新时代,智能网联车险面临着新的机遇和挑战.本文分析了国内外智能网联车险的发展现状和特征;从智能网联汽车衍生的新兴风险、车险市场经营管理面临的挑战、车险产品和服务的创新需求三方面,探讨了智能网联车险发展的现实困境.基于国外智能网联车险模式的经验借鉴,提出政府、监管部门、保险公司与科技公司合作共赢,进一步完善智能网联车险相关法律体系,创新监管模式,完善车险生态环境,提供优质车险产品与服务等政策建议.
Abstract
In the new era of intelligent transportation,intelligent and connected auto insurance is facing new opportunities and challenges.This paper analyzes the development status and characteristics of intelligent and con-nected auto insurance at home and abroad.From the emerging risks derived from intelligent and connected vehi-cles,the challenges faced by the operation and management of the auto insurance market,and the demand for inno-vation of auto insurance products and services,the realistic dilemma of the development of intelligent and connect-ed auto insurance is discussed.Based on the experience of foreign intelligent and connected auto insurance model,this paper puts forward the policy suggestions such as win-win cooperation among the government,regulators,in-surance companies and technology companies,further improving the legal system related to intelligent and con-nected auto insurance,innovating the regulatory model,perfecting the auto insurance ecosystem,and providing high-quality auto insurance products and services.
关键词
智能网联汽车/自动驾驶/智能网联汽车保险/交强险/保险创新/精算定价/智慧交通/交通强国Key words
intelligent and connected vehicle/autonomous driving/intelligent and connected auto insurance/compulsory traffic insurance/insurance innovation/actuarial pricing/intelligent transportation/a country with strong transportation network引用本文复制引用
出版年
2024
NETL
NSTL
万方数据