![](data:image/png;base64,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30
Insurance Theory & Practice (2021.7)
保险理论与实践
险状况,为不同驾驶人提供与其风险水平相适应的车险产品及服务。除了提供
个性化服务,车联网技术还能被用作保险公司治理手段,用于治理因信息不对
称而导致的道德风险和逆向选择,促进车险市场发展和维护企业经营的稳定。
3. 法律法规完善,推动车险业务发展
近年来,居民保险风险管理需求旺盛,在此基础上国家出台了大量扶持
政策,规范保险市场,推动保险行业不断发展。2021年6月10日全国人大常委
会第二十九次会议通过了《中华人民共和国数据安全法》,科技立法、网络
安全立法,甚至数字安全的立法基本上已经成为数字科技等方面的体系性建
设。《中华人民共和国国民经济和社会发展第十四个五年规划和2035年远景
目标纲要》全文共提及“保险”这一关键词36次,鼓励提高保险服务创新能
力。随着“十四五”规划纲要对高质量发展提出要求,未来转型是几乎所有公
司的大趋势,保险公司未来将面临渠道转型、“产品+服务”转型和数字化转
型。数字化转型的本质在于通过数字化手段赋能公司经营管理,改善客户体
验。在保险业迅速发展的同时,行业乱象层出不穷。为了净化保险市场营销环
境,整治保险市场营销乱象,推动互联网技术在保险行业的渗透,行业性监
管法规逐步出台。2021年2月1日《互联网保险业务监管办法》的正式实施,将
加速推进保险业的数字化和线上化转型,广大保险消费者将获得更加便利的
服务。
(二)从市场角度分析车险个人客户智能线上化发展的实施环境
1. 车险市场竞争激烈
市场主体数量多、车险业务占比重、业务利润微薄是我国车险业务经营
的三大特点。根据中国银保监会最新公布的年度车险数据,2020年经营车险业
务的66家公司,车险业务原保费收入为8245亿元,同比增长0.7%(见图5)。
其中综合费用率为39.52%,综合赔付率约为59.47%,车险业务的利润率仅为
1.01%,约79.57亿元。总体来看,中小公司尤其是新公司由于业务较少、平摊
成本较大,出现了不同程度的承保亏损。在现有经营车险的66家公司中,实现
承保亏损的公司占比为63%,实现承保盈利的占比为27%。其中以“老三家”
著称的人保财险、平安财险、太平洋财险车险承保合计盈利145.99亿元,综合