Let the water of finance nourish the "new seedlings" of the industry
2025-09-12
[Phenomenon] Is the reverse parking always stuck? The auxiliary parking function can help; Too worried about long-distance travel? Adaptive cruise control system helps car owners alleviate their worries; Lane keeping assistance, automatic emergency braking, and other technologies have helped reduce the risk of accidents... In recent years, intelligent connected vehicles have developed rapidly, with new intelligent assisted driving functions and continuous technological iteration. In response to this trend, some car companies have introduced safeguard measures such as worry free services. However, the relevant security models are still in the exploratory stage, and standards and regulations need to be further improved. In recent years, the rapid development of new energy vehicle insurance has strongly supported the high-quality development of the new energy vehicle industry. At the same time, the rapid advancement of intelligent assisted driving technology has highlighted the importance of optimizing related insurance protection services. The "Guiding Opinions on Deepening Reform, Strengthening Supervision, and Promoting High Quality Development of New Energy Vehicle Insurance" released earlier this year proposed to coordinate the strength of the insurance industry, comprehensively and systematically study the medium and long-term impact of intelligent driving, rapid iteration of vehicle models, and other factors on vehicle insurance operations, and plan for transformation and development as early as possible. Only by timely filling in the gaps for the development of emerging industries can financial services continuously find growth points in the transformation of old and new driving forces. Demand drives supply, and the new demands of car owners and companies hide new opportunities in the insurance industry. At present, many insurance companies have launched assisted driving protection services, but it should also be noted that there are still many problems that need to be solved in this new field. For example, in the "human-machine co driving" mode, the definition of accident liability lacks relevant legal and regulatory support; For example, automobile manufacturers, system suppliers, car owners, and insurance institutions face bottlenecks and bottlenecks in the process of data exchange. Unclear division of responsibilities and unclear principles affect the efficiency and fairness of compensation. Cracking this key challenge is a hurdle that insurance companies must overcome when launching new products. Difficulty can also become a lever, and the difficulty lies in the breakthrough point. Not long ago, a large insurance company, in collaboration with car manufacturers and third-party technology companies, launched an integrated solution for determining liability in assisted driving accidents, jointly building a standardized judgment process of "data storage - intelligent liability judgment - judicial appraisal". Eliminating the obstacles of unclear responsibility determination can improve the efficiency of claims services and customer experience, and better protect the legitimate rights and interests of all parties. Consolidating forces, solving problems one by one, and establishing rules and regulations one by one, this is the password for the industry to lay a solid foundation and achieve stability, and it is also the common logic for promoting reform and development. In fact, not only intelligent connected vehicles, but also various new formats and industries are flourishing, posing many new challenges to the insurance industry and opening up broader development space. For example, the low altitude economy with strong driving ability, high technological content, and long industrial chain is accelerating its takeoff, promoting the landing of aviation product liability insurance, detection equipment loss compensation insurance and other products, and continuously increasing the business scale. Anchoring cutting-edge fields, emerging industries, and future industries to better meet the needs of new risk protection, and growing together with new industries, new formats, and new models, the insurance industry can continuously improve operational quality and efficiency while better leveraging its industry value. Finance is a beneficiary of technological progress and an important participant and promoter of technological innovation. The process of technological innovation and the application of cutting-edge achievements often come with significant uncertainty. With customized insurance services to diversify risks, enterprises have more confidence in increasing research and development investment, and users can reduce their concerns about supporting new technologies and products. Only then can the reliability and competitiveness of the related industry chain continue to enhance. The collaborative efforts of various financial instruments to cultivate the soil of technological innovation will provide abundant nourishment for the growth of industry "new seedlings" into towering trees. (New Society)
Edit:Luo yu Responsible editor:Jia jia
Source:people.cn
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