基于货运车辆高速通行数据保险风险评估研究

Research on Insurance Risk Assessment based on High-speed Traffic Data of Freight Vehicles

货运车辆承载公路货物运输是货物供应链中的关键运输环节,与我国国民经济运行、产业链条衔接、居民生活水平提升等有紧密关联性。而货运车辆的高速通行数据是能够记载货运车辆主要行驶行为的信息记录。在车险定价方面,货运车辆高速通行数据可以帮助保险公司提升对货运车辆车险的定价精算化,有助于提升保险公司的营利性。本文主要研究方向聚焦于数据应用的微观方面,即货运车辆高速通行数据的在货运车辆保险场景的应用。

Freight vehicles carrying highway cargo transportation is a key transportation link in the cargo supply chain,and has a close correlation with the operation of China's national economy,the convergence of industrial chain,and the improvement of the living standard of the residents.The high-speed traffic data of freight vehicles is the information record that can record the main driving behavior of freight vehicles.In terms of auto insurance pricing,the high-speed traffic data of freight vehicles can help insurance companies to improve the actuarial pricing of auto insurance for freight vehicles,which helps to improve the profitability of insurance companies.The main research direction of this paper focuses on the micro aspect of data application,i.e.,the application of high-speed traffic data of freight vehicles in freight vehicle insurance scenarios.