中国智能网联车险之现实困境与创新路径

The Reality Dilemma and Innovation Path of Intelligent and Connected Auto Insurance in China

在智慧交通新时代,智能网联车险面临着新的机遇和挑战。本文分析了国内外智能网联车险的发展现状和特征;从智能网联汽车衍生的新兴风险、车险市场经营管理面临的挑战、车险产品和服务的创新需求三方面,探讨了智能网联车险发展的现实困境。基于国外智能网联车险模式的经验借鉴,提出政府、监管部门、保险公司与科技公司合作共赢,进一步完善智能网联车险相关法律体系,创新监管模式,完善车险生态环境,提供优质车险产品与服务等政策建议。

In the new era of intelligent transportation,intelligent and connected auto insurance is facing new opportunities and challenges.This paper analyzes the development status and characteristics of intelligent and con⁃nected auto insurance at home and abroad.From the emerging risks derived from intelligent and connected vehi⁃cles,the challenges faced by the operation and management of the auto insurance market,and the demand for inno⁃vation of auto insurance products and services,the realistic dilemma of the development of intelligent and connect⁃ed auto insurance is discussed.Based on the experience of foreign intelligent and connected auto insurance model,this paper puts forward the policy suggestions such as win-win cooperation among the government,regulators,in⁃surance companies and technology companies,further improving the legal system related to intelligent and con⁃nected auto insurance,innovating the regulatory model,perfecting the auto insurance ecosystem,and providing high-quality auto insurance products and services.