基于汽车与保险大数据的车辆承保与理赔数据应用研究

摘 要：汽车与保险大数据，依托于汽车行业与保险行业丰富的数据资源，为保险行业车辆承保和车辆理赔提供精准的数据服务，全面支撑保险公司承保业务和定损理赔业务，更好的为保险公司实现降本增效的目的。本文详细介绍了数据如何在承保和理赔中进行应用，深度剖析了数据的应用场景和使用价值。

关键词：汽车与保险大数据 承保 理赔 数据应用

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 汽车与保险大数据概况

汽车与保险大数据，整合了汽车行业与保险行业的核心数据。（剩余4288字）