位置大数据在车辆保险风险管理中的应用

Applications of location-based big data for auto insurance risk control

随着我国商业车险市场的深化改革,保险公司拥有了自主定价的权利,这就要求保险公司提升对标的风险精细化分析和管理的能力。从位置大数据应用的角度,就通过手机定位的车辆位置信息(指LBS)在车辆保险风险管理中的应用问题进行了探讨。提出了以网格方式进行风险划分和计算的方法,并结合保险承保和理赔的不同应用需求给出了实施路径和应用建议。

Since the authorities conduct deep reform of commercial auto insurance, Chinese insurance companies are able to get more autonomy in product pricing and the insurance companies are required to improve their capabilities of delicacy risk management and risk analysis. The point of location-based big data to discuss applications of mobile positioning methods in auto insurance risk control was proposed. The implementation path and service recommendations to insurance underwriting and claim settlement based on grid-based methods of risk assessment and calculation were given.