新能源汽车保险产品设计开发问题分析

Analysis of Problems in the Design and Development of New Energy Automobile Insurance Products

随着节能环保理念的不断深入,我国对新能源的开发和利用正在逐步重视,新能源汽车行业的发展得到了很好的推动。然而由于新能源汽车的发展处于初级阶段,而且产品的性能使用、结构等都与传统汽车有很大差异,因此,有关新能源汽车的保险产品也应该不同,相应的投保方式与保险产品设计都要符合新能源汽车的实际状况。本文在分析新能源汽车行业发展的风险基础上,进行了新能源汽车保险产品的相关需求分析,提出了新能源汽车保险产品设计开发的思路,指出了新能源汽车保险产品设计开发需要注意的问题。

With the continuous deepening of the concept of energy conservation and environmental protection,China is gradually paying attention to the development and utilization of new energy,and the development of the new energy automobile industry has been well promoted.However,because the development of new energy vehicles is in its infancy,and the performance,use and structure of products are very different from traditional vehicles,insurance products related to new energy vehicles should also be different,and the corresponding insurance methods and insurance product design are both different.It must conform to the actual situation of new energy vehicles.Based on the analysis of the risks of the development of the new energy automobile industry,this paper conducts an analysis of the relevant needs of new energy automobile insurance products,puts forward the ideas for the design and development of new energy automobile insurance products,and points out the problems that need attention in the design and development of new energy automobile insurance products.