基于汽車與保險大數(shù)據(jù)的車輛承保與理賠數(shù)據(jù)應用研究

摘 要：汽車與保險大數(shù)據(jù)，依托于汽車行業(yè)與保險行業(yè)豐富的數(shù)據(jù)資源，為保險行業(yè)車輛承保和車輛理賠提供精準的數(shù)據(jù)服務，全面支撐保險公司承保業(yè)務和定損理賠業(yè)務，更好的為保險公司實現(xiàn)降本增效的目的。本文詳細介紹了數(shù)據(jù)如何在承保和理賠中進行應用，深度剖析了數(shù)據(jù)的應用場景和使用價值。

關鍵詞：汽車與保險大數(shù)據(jù) 承保 理賠 數(shù)據(jù)應用

Abstract：Auto and insurance big data， relying on the rich data resources of the auto industry and the insurance industry， provides accurate data services for vehicle underwriting and vehicle claims in the insurance industry， and comprehensively supports insurance companies’ underwriting business and loss assessment and claim settlement business. Insurance companies achieve the purpose of reducing costs and increasing efficiency. This article introduces in detail how data is used in underwriting and claims， and deeply analyzes the application scenarios and usage value of data.

Key words：auto and insurance big data， underwriting， claims， data application

1 汽車與保險大數(shù)據(jù)概況

汽車與保險大數(shù)據(jù)，整合了汽車行業(yè)與保險行業(yè)的核心數(shù)據(jù)。（剩余4288字）