Research On Statistical Measurement And Evasion Path Of Insurance Risks For New Energy Vehicles

With the continuous promotion of Chinaese "dual carbon" policy,new energy vehicles have become an important force for sustainable economic development.Since 2014,the percentage of new vehicle sales,market penetration rate and the growth rate of ownership of new energy vehicles have been steadily increasing.With the active promotion of policy,technology and market,the development of new energy vehicles has a bright future.However,the development of the auto insurance industry as an "after-market" is relatively lagging behind.Due to the special technical characteristics of new energy vehicles,traditional auto insurance cannot meet their protection needs,and the auto insurance industry is facing an insurmountable dilemma.In this context,China launched the exclusive insurance for new energy vehicles in 2021,but there are still problems in the process of insurance development,such as improper rate setting,which require us to conduct statistical research on the risk of new energy vehicle insurance,so that the insurance rate of new energy vehicle insurance is consistent with the risk it bears.Firstly,by sorting out and summarizing the related literature on new energy auto insurance and auto insurance risk measurement,we combine green insurance theory and innovation theory to provide a theoretical basis for the risk factor selection and model construction process of new energy auto insurance below,and provide ideas for analyzing the avoidance path of new energy auto insurance.Secondly,the risk factors of new energy auto insurance are identified and selected by combining the current situation of new energy auto insurance risks at home and abroad,focusing on the unique variables of new energy auto and designing the questionnaire accordingly.After integrating and analyzing the questionnaire data,the current machine algorithm with high accuracy-XGboost algorithm model is selected to rank the importance of new energy auto insurance risk factors.Again,the significance of risk avoidance of new energy auto insurance is discussed,and the risk avoidance path of new energy auto insurance is explored based on green insurance theory and innovation theory according to the risk measurement results.Finally,the findings of this paper are summarized and suggestions are made for the development of new energy auto insurance from both national and property insurance company perspectives.The results of the empirical study show that the risk factors affecting new energy vehicle insurance are,in order of importance,the battery type of new energy vehicle,the service life of the vehicle,the range,the NCD no-claims preference factor,the age of the driver,the battery energy density,the type of new energy vehicle,the gender of the driver,and the nature of the use of the new energy vehicle.And according to the green insurance theory and innovation theory,the following three risk avoidance paths for new energy vehicles are proposed: First,further develop and improve new energy vehicle insurance products.Second,insurance companies should deepen cooperation with new energy vehicle enterprises and improve the literacy related to new energy vehicle insurance of insurers.Third,the government should increase its policy support for new energy vehicle insurance.