车联网业务对突破我国商业车险盈利脆弱性的作用探析

Discussion on the Effect of Telematics in Improving the Vulnerable Profitability of Motor Vehicle Insurance in China

我国逐年增加的机动车辆保险保费与其微薄的利润贡献度呈现出极不匹配的现象,探索突破商业车险盈利脆弱性是我国保险公司一直努力的方向。本文首先介绍了我国商业车险盈利脆弱性的现状和主要原因,探讨了在商业车险费率改革的契机下,保险和车联网技术的融合对突破商业车险盈利脆弱性的作用,最后分析了在我国推行保险车联网的可行性。

The motor vehicle insurance premium is increasing year by year in China, but it severely mismatches with the meager profit contribution. How to enhance the profitability of motor vehicle insurance is the direction for Chinese insurance companies to head for. This article first introduces the main reasons of the vulnerable profitability and status of motor vehicle insurance in China, then discusses the effect of improving vulnerable profitability with applying the telematics to insurance under the opportu- nity of premium rate reform of motor vehicle insurance, and finally analyzes the feasibility of implemen- ting insurance telematics in China.