{"id":19981,"date":"2024-09-20T14:51:32","date_gmt":"2024-09-20T19:51:32","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e8%bb%8a%e9%9a%8a%e7%ae%a1%e7%90%86%e5%92%8c%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa%ef%bc%9a%e6%99%ba%e6%85%a7%e8%bb%8a%e8%bc%9b%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e9%a2%a8%e9%9a%aa\/"},"modified":"2024-09-20T14:51:34","modified_gmt":"2024-09-20T19:51:34","slug":"%e8%bb%8a%e9%9a%8a%e7%ae%a1%e7%90%86%e5%92%8c%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa%ef%bc%9a%e6%99%ba%e6%85%a7%e8%bb%8a%e8%bc%9b%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e9%a2%a8%e9%9a%aa","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e8%bb%8a%e9%9a%8a%e7%ae%a1%e7%90%86%e5%92%8c%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa%ef%bc%9a%e6%99%ba%e6%85%a7%e8%bb%8a%e8%bc%9b%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e9%a2%a8%e9%9a%aa\/","title":{"rendered":"\u8eca\u968a\u7ba1\u7406\u548c\u5546\u696d\u4fdd\u96aa\uff1a\u667a\u6167\u8eca\u8f1b\u5982\u4f55\u5f71\u97ff\u98a8\u96aa"},"content":{"rendered":"\n<p>\u96a8\u8457\u6c7d\u8eca\u88fd\u9020\u5546\u5c0b\u6c42\u8b93\u99d5\u99db\u54e1\u66f4\u5b89\u5168\u3001\u66f4\u6109\u5feb\u5730\u99d5\u99db\uff0c\u8eca\u8f1b\u8a2d\u8a08\u548c\u904b\u71df\u5f15\u9818\u667a\u6167\u6280\u8853\u9769\u547d\u3002\n\u5546\u696d\u4f01\u696d\u4e5f\u63a1\u7528\u4e86\u6578\u5b57\u6280\u8853\uff0c\u4ee5\u964d\u4f4e\u4e8b\u6545\u7387\u3001\u638c\u63e1\u7dad\u8b77\u9700\u6c42\u4e26\u8ddf\u8e64\u8eca\u968a\u3002 <\/p>\n\n<p>\u9ea5\u80af\u932b\u7684 <a href=\"https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/disruptive-trends-that-will-transform-the-auto-industry\/de-de#\" target=\"_blank\" rel=\"noreferrer noopener\">Paul Gao<\/a> \u548c\u5176\u4ed6\u7814\u7a76\u4eba\u54e1\u8868\u793a\uff0c\u5230 2030 \u5e74\u552e\u51fa\u7684\u65b0\u8eca\u4e2d\uff0c\u6709\u9ad8\u9054 15% \u53ef\u80fd\u662f\u5b8c\u5168\u81ea\u52d5\u99d5\u99db\u7684\u3002\n\u66f4\u5927\u6bd4\u4f8b\u7684\u53d7\u8a2a\u8005\u53ef\u80fd\u6703\u63a1\u7528\u67d0\u7a2e\u667a\u80fd\u6280\u8853\uff0c\u5305\u62ec\u7528\u65bc\u8ddf\u8e64\u99d5\u99db\u884c\u70ba\u7684\u9060\u7aef\u8cc7\u8a0a\u8655\u7406\u548c\u99d5\u99db\u54e1\u8f14\u52a9\u7cfb\u7d71\u3002 <\/p>\n\n<p>\u667a\u6167\u6c7d\u8eca\u6539\u8b8a\u4e86\u6211\u5011\u7684\u99d5\u99db\u7fd2\u6163\uff0c\u5b83\u5011\u4e5f\u6539\u8b8a\u4e86\u99d5\u99db\u672c\u8eab\u7684\u98a8\u96aa\u3002\n\u5c0d\u8eca\u968a\u7ba1\u7406\u548c\u904b\u71df\u8b8a\u5316\u4fdd\u6301\u8b66\u60d5\u7684\u5546\u696d\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u66f4\u6709\u6548\u5730\u61c9\u5c0d\u9019\u7a2e\u98a8\u96aa\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u7528\u65bc\u8eca\u968a\u7ba1\u7406\u7684\u667a\u6167\u5de5\u5177<\/h2>\n\n<p>\u5728 2010 \u5e74\u4ee3\u4e2d\u671f\uff0c\u95dc\u65bc\u667a\u6167\u6c7d\u8eca\u6280\u8853\u548c\u81ea\u52d5\u99d5\u99db\u6c7d\u8eca\u7684\u5c0d\u8a71\u4e3b\u8981\u96c6\u4e2d\u5728\u500b\u4eba\u8eca\u8f1b\u7684\u4f7f\u7528\u4e0a\u3002\n\u7136\u800c\uff0c\u5c11\u6578\u5e7e\u8d77\u5177\u6709\u56b4\u91cd\u5f8c\u679c\u7684\u9ad8\u8abf\u4e8b\u6545\u5c0e\u81f4\u8a31\u591a\u4eba\u5728\u9810\u6e2c\u81ea\u52d5\u99d5\u99db\u6c7d\u8eca\u7684\u5168\u9762\u9769\u547d\u6642\u4e09\u601d\u800c\u5f8c\u884c\u3002 <\/p>\n\n<p>\u5982\u4eca\uff0c\u81ea\u52d5\u99d5\u99db\u5de5\u5177\u548c\u5176\u4ed6\u667a\u6167\u6c7d\u8eca\u6280\u8853\u4e0d\u65b7\u767c\u5c55\uff0c\u4f46\u73fe\u5728\u7684\u91cd\u9ede\u662f\u5b83\u5011\u5728\u5546\u7528\u8eca\u4e2d\u7684\u4f7f\u7528\uff0c\u800c\u4e0d\u662f\u500b\u4eba\u8eca\u8f1b\uff0cCFRA Research \u4e3b\u4efb <a href=\"https:\/\/www.cnbc.com\/2020\/07\/25\/why-elon-musks-autonomous-driving-ideas-dont-worry-insurers.html\" target=\"_blank\" rel=\"noreferrer noopener\">Cathy Seifert<\/a> \u8aaa\u3002<\/p>\n\n<p>\u5c0d\u65bc\u8a31\u591a\u4f01\u696d\u4f86\u8aaa\uff0c\u6e1b\u5c11\u4e8b\u6545\u7684\u667a\u6167\u5de5\u5177\u53ef\u4ee5\u6e1b\u8f15\u98a8\u96aa\u3002\nCCC Information Services \u7684 <a href=\"https:\/\/www.cccis.com\/wp-content\/uploads\/2020\/03\/CCC-Crash-Course-2020.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Susanna Gotsch<\/a> \u5beb\u9053\uff0c\u7f8e\u570b\u5546\u7528\u8eca\u968a\u7684\u5e74\u4e8b\u6545\u7387\u7d04\u70ba 20%\uff0c\u5e73\u5747\u76f8\u95dc\u4e8b\u6545\u640d\u5931\u70ba 70,000 \u7f8e\u5143\u3002\n\u5546\u7528\u8f15\u578b\u5361\u8eca\u6700\u6709\u53ef\u80fd\u6372\u5165\u4e8b\u6545\uff0c\u4f46\u4efb\u4f55\u4e00\u985e\u5546\u696d\u7528\u9014\u7684\u8eca\u8f1b\u90fd\u4e0d\u80fd\u5016\u514d\u3002  <\/p>\n\n<p>\u70ba\u4e86\u964d\u4f4e\u4e8b\u6545\u7387\u548c\u76f8\u95dc\u6210\u672c\uff0c\u8a31\u591a\u516c\u53f8\u6b63\u5728\u8f49\u5411\u9060\u7aef\u8cc7\u8a0a\u8655\u7406\u7cfb\u7d71\u3002\n\u9019\u4e9b\u7cfb\u7d71\u53ef\u4ee5\u8ddf\u8e64\u548c\u6e2c\u91cf\u55ae\u500b\u8eca\u8f1b\u4e2d\u7684\u8a31\u591a\u8b8a\u6578\u3002 <\/p>\n\n<p>Gotsch\u5beb\u9053\uff0c\u5546\u696d\u8eca\u968a\u4e2d\u4f7f\u7528\u7684\u9060\u7aef\u8cc7\u8a0a\u8655\u7406\u4e2d\u7d04\u6709 74% \u6d89\u53ca\u8ddf\u8e64\u8eca\u8f1b\u548c\u8a2d\u5099\u3002\n\u8ddf\u8e64\u670d\u52d9\u6642\u9593\u3001\u901f\u5ea6\u548c\u8ddd\u96e2\u4ee5\u53ca\u7a81\u7136\u524e\u8eca\u7b49\u99d5\u99db\u54e1\u884c\u70ba\u4e5f\u662f\u8a72\u6280\u8853\u7684\u5e38\u898b\u7528\u9014\u3002 <\/p>\n\n<p>\u5728\u904e\u53bb\u5341\u5e74\u4e2d\uff0c\u914d\u5099\u5d4c\u5165\u5f0f\u9060\u7aef\u8cc7\u8a0a\u8655\u7406\u7cfb\u7d71\u7684\u65b0\u8eca\u6578\u91cf\u6bcf\u5e74\u90fd\u5728\u589e\u52a0\u3002\n2017\u5e74\uff0c\u5168\u7403\u92b7\u552e\u7684\u6240\u6709\u65b0\u8eca\u4e2d\u8d85\u904e 32% \u914d\u5099\u4e86\u9060\u7aef\u8cc7\u8a0a\u8655\u7406\u7cfb\u7d71\uff0c\u6bd4 2016 \u5e74\u589e\u52a0\u4e86 9%\uff0cBerg Insight \u7684 <a href=\"http:\/\/www.berginsight.com\/ReportPDF\/ProductSheet\/bi-oemtelematics4-ps.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Martin Svegander \u548c Johan Fagerberg<\/a> \u5beb\u9053\u3002\n\u6839\u64da <a href=\"https:\/\/www.globenewswire.com\/news-release\/2020\/04\/30\/2025134\/0\/en\/Telematics-Control-Unit-Market-Size-Worth-Around-US-6-6-bn-by-2027.html\" target=\"_blank\" rel=\"noreferrer noopener\">Acumen Research and Consulting<\/a> \u7684\u4e00\u9805\u7814\u7a76\uff0c\u9060\u7aef\u8cc7\u8a0a\u8655\u7406\u5728\u7f8e\u570b\u7279\u5225\u53d7\u6b61\u8fce\uff0c\u5b83\u5011\u5df2\u88ab\u7528\u4f5c\u9632\u76dc\u8a2d\u5099\u4ee5\u53ca\u99d5\u99db\u54e1\u3001\u4f01\u696d\u3001\u6c7d\u8eca\u88fd\u9020\u5546\u548c\u4fdd\u96aa\u516c\u53f8\u66f4\u597d\u5730\u77ad\u89e3\u548c\u89e3\u6c7a\u98a8\u96aa\u7684\u5de5\u5177\u3002  <\/p>\n\n<p>\u96d6\u7136\u6700\u7c21\u55ae\u7684\u9060\u7aef\u8cc7\u8a0a\u8655\u7406\u5de5\u5177\u53ea\u80fd\u5728\u672c\u5730\u6536\u96c6\u8cc7\u8a0a\uff0c\u4f46\u66f4\u5148\u9032\u7684\u5de5\u5177\u53ef\u4ee5\u5c07\u8eca\u8f1b\u5373\u6642\u9023\u63a5\u5230\u6578\u64da\u6536\u96c6\u9ede\uff0c\u4f8b\u5982\u516c\u53f8\u7684\u4f3a\u670d\u5668\u3002\nAdapt Automotive \u7684 <a href=\"https:\/\/www.adaptautomotive.com\/articles\/253-telematics-growing-and-offering-smart-city-benefits\" target=\"_blank\" rel=\"noreferrer noopener\">Melissa Steinken<\/a> \u5beb\u9053\uff0c\u6709\u4e9b\u751a\u81f3\u53ef\u4ee5\u5c07\u8eca\u8f1b\u9023\u63a5\u5230\u57ce\u5e02\u667a\u6167\u96fb\u7db2\uff0c\u5f9e\u800c\u53ef\u4ee5\u5728\u66f4\u5927\u7bc4\u570d\u5167\u76e3\u63a7\u4ea4\u901a\u6d41\u91cf\u548c\u99d5\u99db\u54e1\u884c\u70ba\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/red-container-truck-1024x682.jpg\" alt=\"\" class=\"wp-image-8775\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/red-container-truck-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/red-container-truck-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/red-container-truck-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/red-container-truck.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u667a\u6167\u8eca\u968a\u7684\u98a8\u96aa\u548c\u8986\u84cb\u7bc4\u570d<\/h2>\n\n<p>\u5168\u81ea\u52d5\u99d5\u99db\u6c7d\u8eca\u4ecd\u8655\u65bc\u6e2c\u8a66\u968e\u6bb5\u3002\n\u7136\u800c\uff0c\u6709\u8a31\u591a\u5de5\u5177\u53ef\u4ee5\u63d0\u4f9b\u8eca\u5167\u76e3\u63a7\u548c\u53cd\u994b\u3002 <\/p>\n\n<p><a href=\"https:\/\/www.transportation.gov\/mission\/health\/In-vehicle-Performance-Monitoring-and-Feedback\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f8e\u570b\u4ea4\u901a\u90e8<\/a>\u6307\u51fa\uff1a\u300c\u8a72\u6280\u8853\u5728\u5546\u696d\u904b\u71df\u4e2d\u8d8a\u4f86\u8d8a\u983b\u7e41\u5730\u7528\u65bc\u8ddf\u8e64\u5361\u8eca\u8eca\u968a\u548c\u8ca8\u7269\u79fb\u52d5\uff0c\u76e3\u63a7\u4ea4\u8ca8\u6642\u9593\u548c\u99d5\u99db\u54e1\u751f\u7522\u529b\uff0c\u4e26\u901a\u904e\u6587\u672c\u6216\u96fb\u5b50\u90f5\u4ef6\u63d0\u4f9b\u5373\u6642\u66f4\u65b0\u548c\u8a08\u5283\u5831\u544a\u3002<\/p>\n\n<p>\u4f01\u696d\u50be\u5411\u65bc\u9996\u5148\u63a1\u7528\u8eca\u8f09\u76e3\u63a7\u6280\u8853\u4f86\u6539\u5584\u81ea\u5df1\u7684\u65e5\u5e38\u904b\u71df\u3002\n\u7136\u800c\uff0c\u9019\u4e9b\u6280\u8853\u4e5f\u63d0\u4f9b\u4e86\u964d\u4f4e\u98a8\u96aa\u7684\u6a5f\u6703\uff0c\u4ee5\u53ca\u63d0\u4f9b\u6bd4\u904e\u53bb\u627f\u4fdd\u4eba\u66f4\u5ee3\u6cdb\u3001\u66f4\u6df1\u5165\u7684\u5546\u696d\u53f8\u6a5f\u884c\u70ba\u6aa2\u8996\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u8b58\u5225\u667a\u6167\u5546\u7528\u8eca\u7684\u98a8\u96aa<\/h3>\n\n<p>\u667a\u6167\u8eca\u8f1b\u6280\u8853\u6709\u671b\u964d\u4f4e\u5546\u696d\u8eca\u968a\u7684\u8a31\u591a\u98a8\u96aa;\u7136\u800c\uff0c\u5b83\u5011\u4e5f\u5e36\u4f86\u4e86\u65b0\u7684\u6311\u6230\u3002<\/p>\n\n<p>\u4f8b\u5982\uff0c\u6b50\u76df\u7db2\u8def\u5b89\u5168\u57df \uff08ENISA\uff09 2019 \u5e74\u7684\u4e00\u4efd <a href=\"https:\/\/www.infosecurity-magazine.com\/news\/enisa-publishes-report-on-smart\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5831\u544a<\/a> \u6307\u51fa\uff0c\u96d6\u7136\u667a\u6167\u611f\u6e2c\u5668\u53ef\u80fd\u6709\u52a9\u65bc\u6e1b\u5c11\u50b3\u7d71\u6c7d\u8eca\u4e8b\u6545\u7684\u767c\u751f\uff0c\u4f46\u5b83\u5011\u4e5f\u70ba\u5c0d\u8eca\u8f1b\u7684\u7db2\u8def\u653b\u64ca\u958b\u95e2\u4e86\u65b0\u7684\u9014\u5f91\u3002\n\u667a\u6167\u611f\u6e2c\u5668\u548c\u985e\u4f3c\u6280\u8853\u53ef\u4ee5\u6210\u70ba\u99ed\u5ba2\u7aca\u53d6\u8cc7\u8a0a\u751a\u81f3\u9060\u7aef\u63a7\u5236\u8eca\u8f1b\u7684\u9580\u6236\u3002 <\/p>\n\n<p>\u76ee\u524d\uff0c\u901a\u5e38\u7f3a\u4e4f\u5c0d\u9019\u4e9b\u7cfb\u7d71\u53ca\u5176\u5b89\u5168\u6027\u7684\u76e3\u7763\u3002\n\u201c\u6c92\u6709\u4eba\u5728\u6280\u8853\u4e0a\u8ca0\u8cac\u9019\u4e9b\u8eca\u8f1b\u7684\u4e2d\u592e\u8a08\u7b97\u6a5f\u7cfb\u7d71\u3002\u6c7d\u8eca\u548c\u8a2d\u5099\u88fd\u9020\u5546\u9700\u8981\u8a8d\u8b58\u5230\uff0c\u5c31\u76ee\u524d\u800c\u8a00\uff0c\u4ed6\u5011\u662f\u8a72\u9818\u57df\u7684\u5b88\u8b77\u8005\uff0c\u8cac\u4efb\u5728\u4ed6\u5011\u8eab\u4e0a\uff0c\u201c\u5bc6\u6b47\u6839\u5dde\u7acb\u5927\u5b78\u5211\u4e8b\u53f8\u6cd5\u6559\u6388 <a href=\"https:\/\/gcn.com\/articles\/2019\/12\/24\/smart-car-cybersecurity.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">\u6e6f\u746a\u65af\u00b7\u970d\u723e\u7279 \uff08Thomas Holt<\/a>\uff09 \u8aaa\u3002 <\/p>\n\n<p>\u5728\u667a\u6167\u6c7d\u8eca\u6280\u8853\u4e4b\u524d\u5c31\u5b58\u5728\u5176\u4ed6\u98a8\u96aa\uff0c\u4f46\u9019\u4e9b\u6280\u8853\u53ef\u4ee5\u63ed\u793a\u820a\u98a8\u96aa\u3002\n\u4f8b\u5982\uff0c\u8a31\u591a\u4f01\u696d\u6c92\u6709\u95dc\u65bc\u500b\u4eba\u4f7f\u7528\u516c\u53f8\u64c1\u6709\u7684\u8eca\u8f1b\u7684\u56fa\u5b9a\u653f\u7b56\u3002 <\/p>\n\n<p>\u5967\u862d\u591a Brown and Brown Insurance \u9ad8\u7d1a\u526f\u7e3d\u88c1 <a href=\"https:\/\/www.businessfleet.com\/344190\/smart-management-of-take-home-vehicles\" target=\"_blank\" rel=\"noreferrer noopener\">Nicole Long<\/a> \u8aaa\uff0c\u4e0d\u660e\u78ba\u516c\u53f8\u8eca\u8f1b\u7684\u4f7f\u7528\u6703\u201c\u8b93\u54e1\u5de5\u611f\u89ba\u50cf\u662f\u53ef\u4ee5\u81ea\u7531\u652f\u914d\u201d\u3002\n\u5b83\u9084\u6703\u5927\u5927\u589e\u52a0\u64c1\u6709\u8eca\u8f1b\u7684\u4f01\u696d\u548c\u70ba\u5176\u63d0\u4f9b\u4fdd\u96aa\u7684\u4fdd\u96aa\u516c\u53f8\u7684\u98a8\u96aa\u3002 <\/p>\n\n<p>\u8a55\u4f30\u667a\u6167\u6c7d\u8eca\u7684\u98a8\u96aa\u9700\u8981\u4fdd\u96aa\u516c\u53f8\u8003\u616e\u667a\u6167\u6280\u8853\u5982\u4f55\u6539\u8b8a\u6216\u89e3\u6c7a\u73fe\u6709\u98a8\u96aa\uff0c\u4ee5\u53ca\u6280\u8853\u672c\u8eab\u5982\u4f55\u5275\u9020\u65b0\u7684\u98a8\u96aa\u9014\u5f91\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u5546\u696d\u99d5\u99db\u57fa\u65bc\u4f7f\u7528\u91cf\u7684\u4fdd\u96aa<\/h3>\n\n<p>\u76ee\u524d\uff0c\u5118\u7ba1\u57fa\u65bc\u4f7f\u7528\u91cf\u7684\u4fdd\u96aa\u5728\u5ba2\u6236\u4e2d\u5f88\u53d7\u6b61\u8fce\uff0c\u4f46\u63d0\u4f9b\u57fa\u65bc\u4f7f\u7528\u91cf\u7684\u4fdd\u96aa\u7684\u96e3\u9ede\u4e4b\u4e00\u662f\u6e96\u78ba\u8a08\u7b97\u4f7f\u7528\u91cf\u548c\u98a8\u96aa\u3002\n\u7136\u800c\uff0c\u50cfCOVID-19\u95dc\u9589\u5c0e\u81f4\u8a31\u591a\u4f01\u696d\u95dc\u9589\u7684\u60c5\u6cc1\uff0c\u6070\u6070\u63d0\u4f9b\u4e86\u57fa\u65bc\u4f7f\u7528\u91cf\u7684\u4fdd\u96aa\u53ef\u4ee5\u4f7f\u53f8\u6a5f\u53d7\u76ca\u7684\u60c5\u6cc1\uff0c\u798f\u5e03\u65af\u7684 <a href=\"https:\/\/www.forbes.com\/sites\/advisor\/2020\/03\/26\/covid-19s-impact-on-your-car-insurance\/#c8b4f9b6515a\" target=\"_blank\" rel=\"noreferrer noopener\">Jason Metz<\/a> \u5beb\u9053\u3002 <\/p>\n\n<p>\u667a\u6167\u6c7d\u8eca\u6280\u8853\u53ef\u4ee5\u5e6b\u52a9\u4fdd\u96aa\u516c\u53f8\u5f4c\u5408\u73fe\u6709\u4fdd\u96aa\u6a21\u5f0f\u8207\u5ba2\u6236\u5c0d\u9748\u6d3b\u9078\u9805\uff08\u5982\u57fa\u65bc\u4f7f\u7528\u91cf\u7684\u4fdd\u96aa\uff09\u7684\u9700\u6c42\u4e4b\u9593\u7684\u5dee\u8ddd\u3002\n\u4f8b\u5982\uff0c\u667a\u6167\u611f\u6e2c\u5668\u53ef\u4ee5\u78ba\u5b9a\u8eca\u8f1b\u4f55\u6642\u904b\u884c\u3002\n\u7d50\u5408\u6b63\u78ba\u7684\u8edf\u9ad4\uff0c\u9019\u4e9b\u611f\u6e2c\u5668\u53ef\u4ee5\u6839\u64da\u8eca\u8f1b\u4f7f\u7528\u65b9\u5f0f\u89f8\u767c\u6216\u66ab\u505c\u8986\u84cb\uff0c\u800c\u7121\u9700\u4eba\u5de5\u5e72\u9810\u3002  <\/p>\n\n<p>\u4f8b\u5982\uff0c\u7576\u8207\u667a\u6167\u6c7d\u8eca\u6280\u8853\u76f8\u7d50\u5408\u6642\uff0c\u57fa\u65bc\u5340\u584a\u93c8\u7684\u8edf\u9ad4\u53ef\u80fd\u6210\u70ba\u4fdd\u96aa\u516c\u53f8\u7684\u5be6\u7528\u9078\u64c7\u3002\n\u5728 2018 \u5e74\u7684\u4e00\u7bc7\u6587\u7ae0\u4e2d\uff0c <a href=\"https:\/\/www.researchgate.net\/publication\/326103080_Blockchains_Can_Work_for_Car_Insurance_Using_Smart_Contracts_and_Sensors_to_Provide_On-Demand_Coverage\" target=\"_blank\" rel=\"noreferrer noopener\">\u7531 F. Lamberti<\/a> \u9818\u5c0e\u7684\u7fa9\u5927\u5229\u7814\u7a76\u5c0f\u7d44\u63cf\u8ff0\u4e86\u4e00\u7a2e\u4f7f\u7528\u667a\u6167\u611f\u6e2c\u5668\u7684\u65b9\u6cd5\uff0c\u4e26\u8f14\u4ee5\u57fa\u65bc\u5340\u584a\u93c8\u7684\u8edf\u9ad4\uff0c\u8a72\u65b9\u6cd5\u5c07\u4f7f\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u4ee5\u9ad8\u5ea6\u7c21\u5316\u7684\u65b9\u5f0f\u63d0\u4f9b\u57fa\u65bc\u4f7f\u7528\u91cf\u7684\u4fdd\u96aa\u3002\n\u8edf\u9ad4\u548c\u611f\u6e2c\u5668\u5c07\u627f\u64d4\u5927\u90e8\u5206\u8a08\u7b97\u4f7f\u7528\u91cf\u7684\u5de5\u4f5c\uff0c\u9019\u4f7f\u5f97UBI\u76ee\u524d\u96e3\u4ee5\u653e\u7f6e\u3002  <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"641\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/yellow-delivery-vans-1024x641.jpg\" alt=\"\" class=\"wp-image-8795\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/yellow-delivery-vans-1024x641.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/yellow-delivery-vans-300x188.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/yellow-delivery-vans-768x481.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/yellow-delivery-vans.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u4fdd\u96aa\u516c\u53f8\u5982\u4f55\u8fce\u63a5\u667a\u6167\u6c7d\u8eca\u7684\u672a\u4f86<\/h2>\n\n<p>\u96a8\u8457\u9060\u7aef\u8cc7\u8a0a\u8655\u7406\u3001\u667a\u6167\u611f\u6e2c\u5668\u548c\u81ea\u52d5\u99d5\u99db\u529f\u80fd\u4e0d\u65b7\u5145\u65a5\u8eca\u8f1b\uff0c\u4fdd\u96aa\u516c\u53f8\u6b63\u5728\u6539\u8b8a\u5176\u65b9\u6cd5\u4f86\u8003\u616e\u9019\u4e9b\u6280\u8853\u3002\n\u57c3\u68ee\u54f2\u4fdd\u96aa\u5ba2\u6236\u670d\u52d9\u96c6\u5718\u9ad8\u7d1a\u8463\u4e8b\u7e3d\u7d93\u7406 <a href=\"https:\/\/insuranceblog.accenture.com\/the-future-of-auto-insurance-with-self-driving-cars\" target=\"_blank\" rel=\"noreferrer noopener\">Michelle Krause<\/a>\u5beb\u9053\uff0c\u57c3\u68ee\u54f2\u7684\u4e00\u9805\u8abf\u67e5\u767c\u73fe\uff0c68% \u7684\u4fdd\u96aa\u516c\u53f8\u6b63\u5728\u8a08\u5283\u6216\u76ee\u524d\u6b63\u5728\u958b\u767c\u91dd\u5c0d\u667a\u6167\u6c7d\u8eca\u7684\u7522\u54c1\u548c\u653f\u7b56\u3002 <\/p>\n\n<p>\u5728 2020 \u5e74\u4e00\u9805\u95dc\u65bc\u65b0\u578b\u884c\u52d5\u6280\u8853\u53ca\u5176\u5c0d\u98a8\u96aa\u5206\u6790\u5f71\u97ff\u7684\u7814\u7a76\u4e2d\uff0c\u7814\u7a76\u4eba\u54e1 <a href=\"https:\/\/onlinelibrary.wiley.com\/doi\/full\/10.1111\/rmir.12140\" target=\"_blank\" rel=\"noreferrer noopener\">Nadine Gatzert \u548c Katrin Osterrieder<\/a> \u78ba\u5b9a\u4e86\u4fdd\u96aa\u516c\u53f8\u70ba\u667a\u6167\u6c7d\u8eca\u5728\u500b\u4eba\u548c\u5546\u696d\u7528\u9014\u4e2d\u53f8\u7a7a\u898b\u6163\u7684\u672a\u4f86\u505a\u597d\u6e96\u5099\u7684\u5e7e\u7a2e\u65b9\u5f0f\u3002<\/p>\n\n<p>\u4f8b\u5982\uff0cGatzert \u548c Osterreider \u5efa\u8b70\u4fdd\u96aa\u516c\u53f8\u901a\u904e\u63a1\u7528\u9ad8\u7d1a\u6578\u64da\u5206\u6790\u4f86\u66f4\u597d\u5730\u77ad\u89e3\u667a\u6167\u6c7d\u8eca\u7684\u904b\u884c\u65b9\u5f0f\uff0c\u5f9e\u800c\u61c9\u5c0d\u9ad8\u5ea6\u6578\u4f4d\u5316\u7684\u667a\u6167\u6c7d\u8eca\u672a\u4f86\u3002\n\u7dca\u8ddf\u667a\u80fd\u6c7d\u8eca\u548c\u4eba\u53e3\u6d41\u52d5\u6027\u7684\u65b0\u8da8\u52e2\u53ef\u4ee5\u70ba\u627f\u4fdd\u4eba\u63d0\u4f9b\u91cd\u8981\u7684\u80cc\u666f\u8cc7\u8a0a\u3002 <\/p>\n\n<p>\u7dad\u591a\u5229\u4e9e\u4ea4\u901a\u653f\u7b56\u7814\u7a76\u6240\uff08Victoria Transport Policy Institute\uff09\u7684 <a href=\"https:\/\/www.vtpi.org\/avip.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u6258\u5fb7\u00b7\u5229\u7279\u66fc\uff08Todd Litman<\/a> \uff09\u9810\u6e2c\uff0c\u672a\u4f86\u9053\u8def\u4e0a\u5230\u8655\u90fd\u662f\u5b8c\u5168\u81ea\u52d5\u99d5\u99db\u6c7d\u8eca\uff0c\u9084\u9700\u8981\u5e7e\u5341\u5e74\u7684\u6642\u9593\u3002\n\u7136\u800c\uff0c\u5982\u4eca\u5b58\u5728\u5145\u6eff\u667a\u6167\u6280\u8853\u7684\u5546\u696d\u8eca\u968a\uff0c\u70ba\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u4e86\u6a5f\u9047\u548c\u6311\u6230\u3002 <\/p>\n\n<p>\u5c0d\u65bc\u4fdd\u96aa\u516c\u53f8\u4f86\u8aaa\uff0c\u6578\u4f4d\u9769\u547d\u8981\u6c42\u5f9e\u6839\u672c\u4e0a\u6539\u8b8a\u5546\u7528\u8eca\u968a\u98a8\u96aa\u7684\u8a55\u4f30\u548c\u627f\u4fdd\u65b9\u5f0f\u3002\n\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u4f7f\u7528\u591a\u7a2e\u6578\u4f4d\u5de5\u5177\u4f86\u6536\u96c6\u548c\u5206\u6790\u6578\u64da\uff0c\u5f9e\u800c\u505a\u51fa\u66f4\u597d\u7684\u627f\u4fdd\u6c7a\u7b56\uff0c\u4e26\u66f4\u6e05\u695a\u5730\u77ad\u89e3\u667a\u6167\u6c7d\u8eca\u7684\u672a\u4f86\u3002 <\/p>\n\n<p><em>\u5716\u7247\u63d0\u4f9b\uff1aPaolo Gianfrancesco\/\u00a9123RF.com\u3001Sitthinan Saengsanga\/\u00a9123RF.com\u3001adrianhancu\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u96a8\u8457\u6c7d\u8eca\u88fd\u9020\u5546\u5c0b\u6c42\u8b93\u99d5\u99db\u54e1\u66f4\u5b89\u5168\u3001\u66f4\u6109\u5feb\u5730\u99d5\u99db\uff0c\u8eca\u8f1b\u8a2d\u8a08\u548c\u904b\u71df\u5f15\u9818\u667a\u6167\u6280\u8853\u9769\u547d\u3002 \u5546\u696d\u4f01\u696d\u4e5f\u63a1\u7528\u4e86\u6578\u5b57\u6280\u8853\uff0c\u4ee5 [&hellip;]<\/p>\n","protected":false},"featured_media":8787,"template":"","insight-category":[],"class_list":["post-19981","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight\/19981","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media\/8787"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media?parent=19981"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight-category?post=19981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}