UBI在新能源汽车中的应用研究  

Research on the Application of UBI in New Energy Vehicles

作　　者：林壮婷 徐佳宁 林森慧 黄菲 粟榆(指导)[1] Lin Zhuangting;Xu Jianing;Lin Senhui;Huang Fei

机构地区：[1]广东金融学院,广东省广州市510630

出　　处：《时代汽车》2023年第5期94-99,共6页Auto Time

基　　金：2020年大学生创新创业训练计划项目(项目编号:202011540004)。

摘　　要：近年来,随着国家鼓励新能源汽车一系列政策的出台,新能源汽车让人们有了更多的选择。与此同时,传统车险已经无法满足新能源汽车的保障需求。而新能源汽车保险条款的出台无疑推进了专属的新能源汽车保险的落地,同时UBI也可能凭借其独特的优势从新能源汽车保险中脱颖而出,成为发展新能源车险的突破口。本文将通过数据分析和定性分析,阐述UBI在新能源汽车领域应用的意义,并结合我国新能源汽车现状分析UBI发展所面临的困难和挑战,提出相应的应对策略,助力UBI更好应用于我国新能源汽车领域,实现新能源汽车大力发展下新能源车险的创新完善。In recent years,with the introduction of a series of national policies to encourage new energy vehicles,new energy vehicles have given people more choices.At the same time,traditional car insurance can no longer meet the protection needs of new energy vehicles.The introduction of new energy vehicle insurance provisions has undoubtedly promoted the landing of exclusive new energy vehicle insurance,and UBI may also stand out from new energy vehicle insurance with its unique advantages and become a breakthrough in the development of new energy vehicle insurance.Through data analysis and qualitative analysis,this paper will explain the significance of UBI application in the field of new energy vehicles,analyze the difficulties and challenges faced by the development of UBI based on the current situation of new energy vehicles in China,and propose corresponding response strategies to help UBI better apply in the field of new energy vehicles in China,and realize the innovation and improvement of new energy vehicle insurance under the vigorous development of new energy vehicles.

关 键 词：UBI 新能源汽车 新能源车险 车联网 

分 类 号：F42[经济管理—产业经济]