开放保险框架与汽车保险企业价值链研究  

Study on Framework of Open Insurance and Industry Value Chain of Automobile Insurance

作　　者：郭金龙[1,2] 孙晋 GUO Jinlong;SUN Jin(Institute of Finance and Banking,Chinese Academic of Social Science,BeiJing 100028,China;Insurance and Economic Development Research Center,Chinese Academic of Social Science,BeiJing 100028,China;University of Chinese Academic of Social Science,Beijing 102401,China)

机构地区：[1]中国社会科学院金融研究所,北京100710 [2]中国社会科学院保险与经济发展研究中心,北京100710 [3]中国社会科学院大学,北京102401

出　　处：《西昌学院学报（社会科学版）》2023年第4期44-54,共11页Journal of Xichang University：Social Science Edition

基　　金：中国社会科学院创新工程项目:人口老龄化与养老金融体系理论和政策研究(2022JRSB01)。

摘　　要：开放保险是当前金融领域的研究前沿问题,可以解决当前行业转型发展中面临的诸多问题和困难。根据国内外研究现状,系统地梳理了开放保险的框架体系,从数据维度的保险数据、风险数据、三方数据,产品维度的保险产品、风险服务、超越保险,生态维度的销售生态、嵌入生态、平台生态九个层级对开放保险的内涵和外延进行了阐述说明。从数据维度、产品维度、生态维度和九个层级研究了开放保险框架对企业价值链的影响,基于开放保险框架提出了优化汽车保险企业价值链的方案,解决汽车保险行业面临增速下降、利润偏低、市场集中等客观问题。Open insurance is a frontier issue in study on financial fields nowadays.It can deal with lots of problems and dif-ficult in current industry transformation development.The paper systematically collated the framework of open insurance based on native and foreign literature studies.The text explained connotation and denotation of open insurance from the prospect of data dimension on insurance data,risk data and third-party data;product dimension on insurance product,risk service and override insurance;ecological dimension on sales ecology,embedded ecology and platform ecology.We studied the effect of open insurance on industry value chain from the point of data,product and ecology on nine levels.Then we presented the optimized scheme on industry value chain of automobile insurance.They guided to deal with the problems of the decreasing of growth rate,the lower of profits,concentrating of market that insurance industry faced with.

关 键 词：开放保险框架 企业价值链 保险数据 风险数据 三方数据 

分 类 号：F840.65[经济管理—保险]