新能源汽车保险产品设计开发问题分析.pdfVIP

NEWENERGYAUTOMOBILEI新能源汽车

B5时代汽车auto丨

新能源汽车保险产品设计开发问题分析

徐维1徐中明2

1.安城财产保险股份有限公司重庆分公司重庆市4011152.重庆大学汽车工程学院重庆市400030

摘要：随着节能环保理念的不断深入，我国对新能源的开发和利用正在逐步重视，新能源汽车行业的发展得到了

很好的推动。然而由于新能源汽车的发展处于初级阶段，而且产品的性能使用、结构等都与传统汽车有很

大差异，因此，有关新能源汽车的保险产品也应该不同，相应的投保方式与保险产品设计都要符合新能源

汽车的实际状况。本文在分析新能源汽车行业发展的风险基础上，进行了新能源汽车保险产品的相关需求

分析，提出了新能源汽车保险产品设计开发的思路，指出了新能源汽车保险产品设计开发需要注意的问题3

关键词：汽车保险产品新能源汽车设计开发

AnalysisofProblemsintheDesignandDevelopmentofNewEnergyAutomobileInsuranceProducts

XuWeiXuZhongming

Abstract：Withthecontinuousdeepeningoftheconceptofenergyconservationandenvironmentalprotection,Chinaisgraduallypayingattentiontothe

developmentandutilizationofnewenergy,andthedevelopmentofthenewenergyautomobileindustryhasbeenwellpromoted.However,

becausethedevelopmentofnewenergyvehiclesisinitsinfancy,andtheperformance,useandstructureofproductsareverydifferentfrom

traditionalvehicles,insuranceproductsrelatedtonewenergyvehiclesshouldalsobedifferent,andthecorrespondinginsurancemethodsand

insuranceproductdesignarebothdifferent.Itmustconformtotheactualsituationofnewenergyvehicles.Basedontheanalysisoftherisksof

thedevelopmentofthenewenergyautomobileindustry,thispaperconductsananalysisoftherelevantneedsofnewenergyautomobileinsurance

products,putsforwardtheideasforthedesignanddevelopmentofnewenergyautomobileinsuranceproducts,andpointsouttheproblemsthat

needattentioninthedesignanddevelopmentofnewenergyautomobileinsuranceproducts.

Keywords：autoinsuranceproducts,newenergyvehi