GXED(600617) 证券时报网· Zheng Quan Shi Bao Wang·2025-03-11 04:39Core Viewpoint - The global electric vehicle (EV) market is experiencing explosive growth, with China emerging as a leader in production and consumption, but the lack of an overseas after-sales support system is hindering the internationalization of Chinese EVs [1][2] Group 1: Market Growth and Challenges - China is the largest producer and consumer of EVs, achieving significant domestic success and actively expanding into overseas markets [1] - In 2024, China's passenger car export volume is expected to increase by 19.7%, with a 6.8% growth in the export of new energy passenger vehicles [1] - The underdeveloped overseas after-sales support system is a major constraint on the international development of Chinese EVs [1] Group 2: Insurance Industry Innovations - The Chinese insurance industry is transitioning from traditional risk coverage to ecosystem empowerment, providing extended warranty services and localized risk assessment models to support Chinese EVs abroad [1][2] - A collaboration between Ping An Property & Casualty Insurance and a local Singaporean insurance company aims to provide comprehensive extended warranty insurance for a Chinese EV brand's batteries, with a total coverage amount of nearly 68 million yuan [2] - This partnership marks the first instance of Ping An providing extended warranty services for Chinese EV brands overseas, covering vehicle quality issues, accident compensation, and vehicle replacement throughout the vehicle's lifecycle [2][3] Group 3: Risk Assessment and Strategy Adjustments - Ping An's innovation is based on adapting proven domestic service models for the overseas EV insurance market, establishing a foundation for future business expansion in more countries [4] - The company is customizing risk assessment models and underwriting strategies to align with the legal, market, and environmental conditions of different countries [5] - Utilizing big data and artificial intelligence, Ping An is analyzing overseas market risk trends to optimize underwriting strategies and enhance the accuracy and efficiency of risk assessments [5]