商用车UBI车险营销策略探析--以中瑞公司为例  

Analysis ofUbi Auto Insurance Marketing Strategy of Zhongrui Company Commercial Vehicle

作　　者：郭威[1] 徐海涛 Guo Wei;Xu Haitao(School of Economics and Management Hubei University of Automotive Technology;School of Innovation and Entrepreneurship Education,Hubei University of Automotive Technology,Shiyan 442002,China)

机构地区：[1]湖北汽车工业学院经济管理学院 [2]湖北汽车工业学院创新创业教育学院,湖北十堰442002

出　　处：《科技创业月刊》2020年第11期78-81,共4页Journal of Entrepreneurship in Science & Technology

摘　　要：UBI车险(Usage Based Insurance)是基于车主驾驶行为以及车辆使用相关数据相结合的可量化保险,在欧美等国家已发展10多年,有的国家已逐渐取代传统车险成为主流车险。近年来,随着国内车联网大数据等技术的发展和车险费改的推动,各大公司也开始发展UBI车险,但发展较为缓慢。中瑞公司作为国内车联网技术和服务的领军企业,与太平洋保险公司合作开发了商用车UBI车险产品,为我国商用车UBI车险提供技术解决方案。分析中瑞公司商用车UBI车险营销策略现状,探讨其存在的不足,提出改进措施。UBI Auto Insurance(Usage Based Insurance),a quantifiable insurance based on the combination of the driving behavior of the owner and the use of vehicle-related data,has been developed in Europe and the United States and other countries for more than ten years,and some countries have gradually replaced traditional auto insurance as mainstream auto insurance.In recent years,with the development of domestic car networking big data and other technologies,and the promotion of auto insurance fee reforms,major companies have also begun to develop UBI auto insurance,but the development is relatively slow.Sino-Swedish Company,as a leader in domestic car networking technology and services,has cooperated with Pacific Insurance Company to develop UBI vehicle insurance products for vehicles and provide technical solutions for my country's commercial vehicle UBI vehicle insurance.This article analyzes the current situation of the UBI auto insurance marketing strategy of Zhongrui Company,finds out its defects,and puts forward reasonable improvement measures.

关 键 词：UBI车险 商用车 营销策略 

分 类 号：F842.6[经济管理—保险]