中国汽车与保险大数据发展报告(2023)
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中文摘要
自我国实施国家大数据战略以来,大数据产业经历了爆发式的发展,汽车与保险大数据产业取得了长足进步,在此背景下,本书以“中国汽车与保险大数据现状及展望”为主题,详细论述了中国汽车与保险发展现状及面临的问题与挑战,并针对新形势提出未来发展思路。
全书包括总报告、汽车大数据篇、保险大数据篇、大数据应用篇共4个部分。
汽车大数据篇以汽车全产业链大数据融合为背景,围绕乘商用车市场大数据、产品大数据、材料大数据、交通大数据、智能网联大数据展开研究,多角度对汽车行业进行全面深入的分析,得出中国传统能源车进一步被新能源车替代,乘用车领域高端化与自主化持续、商用车领域存在结构性变化机会的结论,同时从车辆产品投放、智能网联车辆保险、智能座舱屏幕交互设计等角度对汽车行业进行分析论述。
保险大数据篇围绕大数据在车险行业的实际应用展开研究,分地区、分险种、分车辆种类等对我国车险理赔情况和车型风险情况进行分析,受新能源汽车市场渗透率提升、居民出行频率回升、车险综改政策红利逐渐显现等外部因素影响,2022年车险整体保费规模稳中有升,同时应进一步依据地区差异、车辆种类、营业性质等因素优化车险产品布局与设计。
大数据应用篇进一步探索大数据在汽车、保险及其他领域的融合与深度应用,以新能源汽车碳资产等案例,为相关产业链经营主体充分挖掘大数据价值、实现数字化转型提供参考。新能源汽车发展迅速,成为我国道路运输领域降低碳排放的重要路径之一。在新能源汽车补贴退出背景下,新能源汽车碳资产可作为新的消费端激励手段,同时与绿色金融、绿色保险等衔接,进一步促进新能源汽车产业发展。
本书从基于大数据应用的实例研究入手,深入分析了大数据在汽车行业、保险行业各个细分领域的应用,对我国汽车与保险大数据发展提出相应建议。本书对汽车行业、保险行业及其他相关行业的大数据建设与应用具有重要的参考价值。
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总报告
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汽车大数据篇
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保险大数据篇
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大数据应用篇
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