车联网背景下我国UBI车险现状研究(保险学专业)

车联网背景下我国UBI车险现状研究

【摘要】

近年来,随着移动互联网不断向经济社会各领域渗透，移动互联网范围内的车联网技术，也不断向汽车保险业渗透，加上国家政策的驱动，基于车联网的汽车保险—UBI车险应运而生。但国内UBI车险的进一步发展面临着各种各样的难题，这使得UBI车险在国内的发展处于初级阶段，为打破这样的局面，需要研究UBI车险处于初级阶段的原因，并找出解决问题的方法，因此本文通过研究国内发展UBI车险的宏观环境和应用现状，挖掘国内大背景下使得UBI车险发展处于初级阶段存在的原因，并借鉴国外成熟的发展经验，从产业链角度、关联主体和供求意愿角度进一步论证我国UBI车险发展处于初级阶段的原因，探索今后我国UBI车险如何更好发展，并针对存在的问题提出解决性建议。

【关键词】车联网技术；UBI车险；现状研究；初级阶段

注：本论文（设计）题目来源于教师的国家级（或省部级、厅级、市级、校级、企业）科研项目，项目编号为：______________。

Research on the current situation of Usage-Based Insurance in China under the background of Internet of vehicles

【Abstract】In recent years, with the continuous penetration of the mobile Internet into various fields of the economy and society, the Internet of vehicles technology within the scope of the mobile Internet also continues to penetrate into the automobile insurance industry. Driven by the national policy, the automobile insurance based on the Internet of vehicles UBI automobile insurance came into being. However, the further development of domestic UBI vehicle insurance is faced with various difficulties, which makes the development of UBI vehicle insurance in China in the primary stage. In order to break this situation, it is necessary to study the reasons why UBI vehicle insurance is in the primary stage and find out the solutions. Therefore, this paper studies the macro environment and application status of domestic development of UBI vehicle insurance, and excavates the domestic background to make UBI The reason why the development of automobile insurance is in the primary stage, and the mature development experience of foreign countries are used for reference, the reason why the development of automobile insurance of UBI in China is in the primary stage is further demonstrated from the perspective of industrial chain, related subjects and the willingness of supply and demand, and how to better develop the automobile insurance of UBI in China in the future is explored, and the solutions to the existing problems are put forward.

【Key words】Internet of vehicles technology Usage-Based Insurance Current situation research Primary stage

目录

1. 前言 (1)

1.1 研究背景与意义 (1)

1.2 研究思路 (1)

1.3 研究方法 (2)

2. 理论基础 (3)

2.1 什么是UBI车险 (3)

2.2 什么是车联网 (3)

2.3 前装市场和后装市场 (3)

2.4 车联网技术的关键点 (4)

3.基于车联网的UBI车险实现方式 (5)

3.1 车联网如何对接UBI车险 (5)

3.2 基于车联网的UBI车险数据收集形式 (5)

4.车联网背景下国内UBI车险现状 (6)

4.1 UBI车险发展现状的PEST分析 (6)

4.1.1 政策环境（P:politics） (6)

4.1.2 经济环境（E:economic） (7)

4.1.3 社会环境（S:society） (8)

4.1.4 技术环境（T：technology） (8)

4.2 国内UBI车险研究现状 (9)

4.3 国内UBI车险应用现状 (10)

4.4 小结 (11)

5.基于车联网的国外UBI车险现状 (12)

5.1 美国运作模式 (12)

5.2 欧洲的运作模式 (13)

5.3 亚洲的发展现状 (14)

5.4 小结 (14)

6.不同角度下阻碍UBI车险发展存在的问题 (16)