构建车辆保险信息共享平台的现实意义

通过建立机动车辆保险信息共享平台进行制度设计与安排,保险监管机构和保险行业协会可对车险市场实施动态有效的监管,以维护车险市场竞争秩序。同时各保险公司不但可以利用车险信息共享平台中的车辆信息和风险信息,厘定可浮动的保险费率;还可实现车辆及配件价格,维修服务定额,承保、理赔等信息数据的交换和共享,进而能有效防范车辆保险中的经营风险和道德风险,提高其管理效率和服务水平。

By setting up a uniform motor vehicle insurance data platform, the insurance regulator and insurance associations can conduct dynamic and effective monitoring of the motor vehicle insurance market and maintain a good order of competition. At the same time, each and every insurance company can not only make use of the motor vehicle data and risk informa- tion in the platform and set a floating premium rate, and exchange and share motor vehicle and parts price, repair and service quota and underwriting and claim settlement information. This can effectively reduce operational risks and moral risks, and improve management efficiency and service level.