1621702246+郑志凤+车联网背景下我国UBI车险现状研究（终稿）.docx

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：______________。ResearchonthecurrentsituationofUsage-BasedInsuranceinChinaunderthebackgroundofInternetofvehicles【Abstract】Inrecentyears,withthecontinuouspenetrationofthemobileInternetintovariousfieldsoftheeconomyandsociety,theInternetofvehiclestechnologywithinthescopeofthemobileInternetalsocontinuestopenetrateintotheautomobileinsuranceindustry.Drivenbythenationalpolicy,theautomobileinsurancebasedontheInternetofvehiclesUBIautomobileinsurancecameintobeing.However,thefurtherdevelopmentofdomesticUBIvehicleinsuranceisfacedwithvariousdifficulties,whichmakesthedevelopmentofUBIvehicleinsuranceinChinaintheprimarystage.Inordertobreakthissituation,itisnecessarytostudythereasonswhyUBIvehicleinsuranceisintheprimarystageandfindoutthesolutions.Therefore,thispaperstudiesthemacroenvironmentandapplicationstatusofdomesticdevelopmentofUBIvehicleinsurance,andexcavatesthedomesticbackgroundtomakeUBIThereasonwhythedevelopmentofautomobileinsuranceisintheprimarystage,andthematuredevelopmentexperienceofforeigncountriesareusedforreference,thereasonwhythedevelopmentofautomobileinsuranceofUBIinChinaisintheprimarystageisfurtherdemonstratedfromtheperspectiveofindustrialchain,relatedsubjectsandthewillingnessofsupplyanddemand,andhowtobetterdeveloptheautomobileinsuranceofUBIinChinainthefutureisexplored,andthesolutionstotheexistingproblemsare