汽车驾驶行为保险助力车险高质量转型发展的前瞻性研究

A Prospective Study on Auto Driving Behavior Insurance Assisting High Quality Transformation and Development of Auto Insurance

伴随智慧交通新时代的到来与RCEP的落地实施,给中国传统汽车保险产业带来巨大挑战的同时,也迎来了历史新机遇。随着全球30多个主要国家和300多家保险机构实施车联网保险,汽车驾驶行为保险(以下简称“UBI车险”)支持智慧交通战略和推动保险市场国际化成为新时代必然选择。基于Logistics模型的精算定价结果,UBI车险在保费公平程度、降低驾驶行为风险和提升交通安全方面的作用显著高于传统车险。虽然全球发展UBI车险已有近30年的历史,但是不同的UBI模式各有利弊,照搬照抄无法解决发展UBI车险面临的五大问题。政府、监管部门与财险同业应把握历史新机遇,加强与UBI车险上中下游产业协同发展,以车险为切入点撬动整个保险业高质量转型发展,助力把中国打造成全球领先的智慧交通创新示范。

With the arrival of the new era of intelligent transportation and the implementation of RCEP,the traditional auto insurance industry in China is faced with great challenges as well as new opportunities.With more than 30 major countries and 300 insurance agencies around the world implementing connected auto insurance,it has become an inevitable choice in the new era to support smart transportation strategies and promote the interna-tionalization of the insurance market with auto driving behavior insurance(UBI auto insurance).Based on the actu-arial pricing results of the Logistic model,UBI auto insurance is significantly more effective than traditional auto insurance in terms of premium equity,reducing the risk of driving behavior and enhancing traffic safety.Although UBI auto insurance has been developed globally for nearly 30 years,different UBI models have their own advantag-es and disadvantages,and copying them cannot solve the five major problems faced in developing UBI auto insur-ance in China.The government,regulators and P&C insurance companies should seize the new historical opportu-nity to strengthen the synergistic development with the upstream,midstream and downstream industries of UBI au-to insurance,use auto insurance as an entry point to pry the high-quality transformation and development of the whole insurance industry,and help China become a leading global demonstration of intelligent transportation inno-vation.