摘要
新能源汽车是我国当前外贸出口的“新三样”之一,新能源汽车的发展离不开新能源车险保障体系的完善。中国新能源汽车保险面临着出险率高、赔付率高、保费高的“三高”困境,本文分析了这些问题及其背后的原因,并尝试给出对应的政策建议。要解决配套服务滞后的难题,需克服行业标准不统一对新能源车险有序规范发展所造成的障碍;要改变供给市场显著的马太效应,还必须建立精细化的大数据风险评估模型。
New energy vehicles are one of the"new three"in China's current foreign trade exports,and the development of new energy vehicles cannot be separated from the improvement of the new energy vehicle insurance protection system.Under the new situation,China's new energy vehicle insurance is facing the"three high"dilemma of high risk,high compensation and high premium.To solve the problem of lagging supporting services,it is necessary to overcome the obstacles caused by the unification of industry standards for the orderly and standardized development of new energy vehicle insurance.In order to change the significant Matthew effect in the supply market,it is also necessary to establish a refined big data risk assessment model.This article analyzes these five types of problems and their underlying causes,and attempts to provide corresponding policy recommendations.
出处
《浙江金融》
2024年第12期63-71,35,共10页
Zhejiang Finance
基金
国家社会科学基金项目(19BJY216)
国家自然科学基金项目(71903008)
中央高校基本科研业务费专项资金项目(20XNL002)。
关键词
新能源汽车
车险
自主定价系数
案均赔款
风险评估体系
New Energy Vehicles
Automobile Insurance
Self Pricing Coefficient
Average Compensation Per Case
Risk Assessment System
