驾驶风格画像

基于海量车联网数据，绘制新能源汽车驾驶行为画像，支撑新承保和续保客户的分级核保定价，一定程度改善新能源车险行业客户端保费高、险企端赔付率高等痛点问题，服务新能源汽车行业的健康发展。

Based on massive Internet of Vehicles (IoV) data, this dataset constructs driving behavior profiles for new energy vehicles (NEVs), supports tiered underwriting and pricing for new policyholders and renewing customers, alleviates the pain points in the new energy vehicle insurance industry such as high premiums for clients and high claim loss ratios for insurers to a certain extent, and promotes the healthy development of the new energy vehicle industry.

搜集汇总

背景与挑战

背景概述

该数据集是基于车联网数据的新能源汽车驾驶行为画像，主要用于保险行业的分级核保定价，覆盖沪牌新能源车，每月更新。