新能源车险两周年再审视：产品逻辑重塑，险企竞速数字化-汽车-金融界|http://ucheke.jrj.com.cn/2023/12/18115338797495.shtml[TDK检测]

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网页标题	新能源车险两周年再审视：产品逻辑重塑，险企竞速数字化-汽车-金融界
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网页描述	图片来源：视觉新能源车险即将迎来落地两周年。当下的市场写照，是车主喊贵、保险公司喊亏、造车“新势力”纷纷下场。消费者吐槽“省下的油钱都交了保费”；保险公司囿于新能源车的高出险率、高赔付率，实质上面临比较大的承保亏损压力，的是“赔本买卖”；新能源车企入局，急于抢占经营环节，构建车主生态圈闭环，成为传统保险公司的竞合伙伴。毫无疑问，新能源车险要面临一段漫长的磨合期、成熟期，才能在出险率高、赔付率高、保费高的“三高”问题中达成平衡。这个过程，势必包含着新能源车险生态圈中各相关方的不懈探索与积极创新。各方所思所动，将协力**困局。近期，蓝鲸财经记者与数家头部保险公司以及业内人士进行了交流，还原一个真实、全面的新能源车险市场情况。针对新能源车险“保费高”的声音，保险公司人士介绍，“声音存在，但并非普遍现象，与综改前相比，新能源车险的保费实质上是下降的，只是和燃油车相比下降幅度相对要小，造成新能源车保费更贵的印象。” 尽管各保险公司在新能源车险板块遇到一些经营压力，但并未采取大面积保费涨价的方式来弥补亏损，而是希望通过精准定价，让风险保费与风险特征更匹配。从行业观察来看，各
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FreeMarker template error (DEBUG mode; use RETHROW in production!): The following has evaluated to null or missing: ==> tdkEvaluate.keyWordsList [in template "m/tool/tdk.ftl" at line 397, column 52] ---- Tip: It's the step after the last dot that caused this error, not those before it. ---- Tip: If the failing expression is known to be legally refer to something that's sometimes null or missing, either specify a default value like myOptionalVar!myDefault, or use <#if myOptionalVar??>when-present<#else>when-missing. (These only cover the last step of the expression; to cover the whole expression, use parenthesis: (myOptionalVar.foo)!myDefault, (myOptionalVar.foo)?? ---- ---- FTL stack trace ("~" means nesting-related): - Failed at: #list tdkEvaluate.keyWordsList as item [in template "m/tool/tdk.ftl" at line 397, column 45] ---- Java stack trace (for programmers): ---- freemarker.core.InvalidReferenceException: [... Exception message was already printed; see it above ...] at freemarker.core.InvalidReferenceException.getInstance(InvalidReferenceException.java:131) at freemarker.core.Expression.assertNonNull(Expression.java:194) at freemarker.core.IteratorBlock.acceptWithResult(IteratorBlock.java:74) at freemarker.core.IteratorBlock.accept(IteratorBlock.java:64) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.IfBlock.accept(IfBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.Environment.visitAndTransform(Environment.java:425) at freemarker.core.UnifiedCall.accept(UnifiedCall.java:107) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.Environment.process(Environment.java:302) at freemarker.template.Template.process(Template.java:325) at org.springframework.web.servlet.view.freemarker.FreeMarkerView.processTemplate(FreeMarkerView.java:367) at org.springframework.web.servlet.view.freemarker.FreeMarkerView.doRender(FreeMarkerView.java:284) at org.springframework.web.servlet.view.freemarker.FreeMarkerView.renderMergedTemplateModel(FreeMarkerView.java:234) at org.springframework.web.servlet.view.AbstractTemplateView.renderMergedOutputModel(AbstractTemplateView.java:167) at org.springframework.web.servlet.view.AbstractView.render(AbstractView.java:303) at org.springframework.web.servlet.DispatcherServlet.render(DispatcherServlet.java:1286) at org.springframework.web.servlet.DispatcherServlet.processDispatchResult(DispatcherServlet.java:1041) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:984) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:901) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:970) at org.springframework.web.servlet.FrameworkServlet.doGet(FrameworkServlet.java:861) at javax.servlet.http.HttpServlet.service(HttpServlet.java:621) at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:846) at javax.servlet.http.HttpServlet.service(HttpServlet.java:728) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:305) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:210) at org.apache.tomcat.websocket.server.WsFilter.doFilter(WsFilter.java:51) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:243) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:210) at org.tuckey.web.filters.urlrewrite.RuleChain.handleRewrite(RuleChain.java:176) at org.tuckey.web.filters.urlrewrite.RuleChain.doRules(RuleChain.java:145) at org.tuckey.web.filters.urlrewrite.UrlRewriter.processRequest(UrlRewriter.java:92) at org.tuckey.web.filters.urlrewrite.UrlRewriteFilter.doFilter(UrlRewriteFilter.java:260) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:243) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:210) at org.apache.catalina.core.ApplicationDispatcher.invoke(ApplicationDispatcher.java:749) at org.apache.catalina.core.ApplicationDispatcher.processRequest(ApplicationDispatcher.java:487) at org.apache.catalina.core.ApplicationDispatcher.doForward(ApplicationDispatcher.java:412) at org.apache.catalina.core.ApplicationDispatcher.forward(ApplicationDispatcher.java:339) at org.tuckey.web.filters.urlrewrite.NormalRewrittenUrl.doRewrite(NormalRewrittenUrl.java:213) at org.tuckey.web.filters.urlrewrite.RuleChain.handleRewrite(RuleChain.java:171) at org.tuckey.web.filters.urlrewrite.RuleChain.doRules(RuleChain.java:145) at org.tuckey.web.filters.urlrewrite.UrlRewriter.processRequest(UrlRewriter.java:92) at org.tuckey.web.filters.urlrewrite.UrlRewriteFilter.doFilter(UrlRewriteFilter.java:260) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:243) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:210) at org.apache.catalina.core.ApplicationDispatcher.invoke(ApplicationDispatcher.java:749) at org.apache.catalina.core.ApplicationDispatcher.processRequest(ApplicationDispatcher.java:487) at org.apache.catalina.core.ApplicationDispatcher.doForward(ApplicationDispatcher.java:412) at org.apache.catalina.core.ApplicationDispatcher.forward(ApplicationDispatcher.java:339) at org.tuckey.web.filters.urlrewrite.UrlRewriteFilter.doFilter(UrlRewriteFilter.java:228) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:243) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:210) at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:197) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:107) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:243) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:210) at org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:222) at org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:123) at org.apache.catalina.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:502) at org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:171) at org.apache.catalina.valves.ErrorReportValve.invoke(ErrorReportValve.java:100) at org.apache.catalina.core.StandardEngineValve.invoke(StandardEngineValve.java:118) at org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:408) at org.apache.coyote.http11.AbstractHttp11Processor.process(AbstractHttp11Processor.java:1041) at org.apache.coyote.AbstractProtocol$AbstractConnectionHandler.process(AbstractProtocol.java:603) at org.apache.tomcat.util.net.JIoEndpoint$SocketProcessor.run(JIoEndpoint.java:310) at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149) at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624) at java.lang.Thread.run(Thread.java:750)

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