近年来，我国新能源汽车产业实现跨越式发展。今年全国两会，全国人大代表、中国太保战略研究中心 （ESG办公室）主任周燕芳将就促进我国新能源汽车保险高质量发展提出建议。 针对新能源汽车产业变革带来的机遇与挑战，为更好服务产业转型升级，周燕芳建议从四个方面推进新能源车 险的高质量发展，包括构建国家级智驾数据共享标准及平台；加快智能驾驶相关法律法规的修订完善；制定关 键技术与服务标准体系；实施差异化产品创新及定价指引。 新能源车风险呈现新特点，给传统保险模式带来挑战 公安部数据显示，截至2025年年底，全国新能源汽车保有量达4397万辆，占汽车总量的12.01%；2025年新注 册登记新能源汽车1293万辆，占新注册登记汽车数量的49.38%。同时，随着人工智能、大数据等新一代信息 技术的深度赋能，汽车产业正经历智能化的深刻变革。 二是智能驾驶技术的普及改变了事故责任逻辑，现行法律框架和保险产品供给存在制度缺口。 一个典型变化是，事故责任主体从驾驶员向多方延伸。周燕芳分析，随着智能驾驶技术逐步普及，车辆控制权 正从驾驶员转向系统和生产者。当事故由算法缺陷、软件故障或网络攻击引发时，责任主体不再局限于驾驶 员，而是可能 ...

随着新能源汽车市场规模的持续扩大和智能化水平的快速提 升，车辆风险特征和保障需求正在发生深刻变化。相较传统燃 油车，新能源汽车在风险结构、责任主体和保障边界等方面均 呈现新的特点，给保险产品、模式创新和风险管理带来新的课 题。 作者：姜鑫 封图：图虫创意 2026年全国两会期间，全国人大代表、中国太保战略研究中心（ESG办公室）主任周燕芳提出 《关于促进我国新能源汽车保险高质量发展的建议》。 公安部数据显示，截至2025年底，全国新能源汽车保有量达4397万辆，占汽车总量的12.01%； 全年新注册登记1293万辆，占新车登记量的49.38%。此外，随着人工智能、大数据等新一代信 息技术的深度赋能，汽车产业正经历智能化的深刻变革，2025年L2（2级驾驶自动化）级及以上 智能驾驶渗透率超65%，预计2026年将达80%；高阶辅助驾驶（如城区自动导航驾驶）渗透率已 超15%，2026年有望升至25%，驾驶模式将逐步从"人主导"向"系统主导"转型。 随着新能源汽车市场规模的持续扩大和智能化水平的快速提升，车辆风险特征和保障需求正在发生 深刻变化。相较传统燃油车，新能源汽车在风险结构、责任主体和保障边界等方面均呈现 ...

中经记者 樊红敏 北京报道 又一家车企系财险公司杀入新能源车险市场！ "针对新能源车快速增长的趋势，丰田保险经纪正协同合作伙伴重点围绕用车安全、用车成本、用车场 景，开发特色产品。"丰田汽车金融（中国）有限公司2025年12月初曾发文称。 "新能源车由于其技术特性（如电池、智能化系统等）和使用环境（如共享出行、网约车等），在保险 定价、理赔和服务方式上都存在不同于传统燃油车的特殊性。因此，车企进入保险行业，尤其是新能源 车险市场，是顺应市场需求的必然趋势。通过拥有自己的保险业务，车企不仅能更精准地制定符合新能 源车特点的保险产品，还能通过数据驱动优化风险管控，提升用户体验。"有业内研究人士曾向记者表 示。 那么，随着新能源汽车市场的增长和保险需求的增加，未来是否会有更多车企进一步谋求财险牌照？ 天眼查信息显示，法巴天星保险的注册资本为10亿元，由法国巴黎保险集团、四川银米科技有限责任公 司（以下简称"四川银米科技"）及大众汽车金融服务海外股份公司（以下简称"大众汽车金服"）共同发 起设立，对应持股比例分别为49%、33%和18%。 从股东队伍来看，法巴天星保险的三家股东中有两家具备车企背景。具体来看，四川银米 ...

1月29日，据车车科技官微，车车科技与大众汽车（安徽）数字化销售服务有限公司（以下简称"金标大 众"）、法巴天星财险在京签署战略合作协议。三方将围绕新能源汽车保险，聚焦产品创新、智能定 价、智能驾驶责任险、续保服务及车生态保险产品，共同打造覆盖车主全生命周期的数智化保险服务体 系。根据协议，三方将发挥各自优势：法巴天星财险负责保险产品设计与承保；车车科技提供嵌入式保 险SaaS系统，涵盖新能源车险系统开发、智能定价模型开发、全流程数字化运营及智能理赔；金标大众 将推动保险服务深度融入购车、用车等核心场景。 关键词阅读：车车科技 法巴天星财险 新能源车险 责任编辑：小讯 ...

本报讯 1月28日，车车科技集团（以下简称"车车科技"）与大众汽车（安徽）数字化销售服务有限公司 （以下简称"金标大众"）、北京法巴天星财产保险股份有限公司（以下简称"法巴天星保险"）在京签署 战略合作协议。三方将围绕新能源汽车保险，聚焦产品创新、智能定价、智能驾驶责任险、续保服务及 车生态保险产品，共同打造覆盖车主全生命周期的数智化保险服务体系。 根据上述战略合作协议，法巴天星保险负责保险产品设计与承保；车车科技提供嵌入式保险SaaS系统， 涵盖新能源车险系统开发、智能定价模型开发、全流程数字化运营及智能理赔；金标大众将推动保险服 务深度融入购车、用车等核心场景。合作将重点推进三大方向。一是创新产品开发。三方将联合推 出"车险+增值服务"一体化服务包，通过车车科技SaaS平台实现高效履约，为车主提供"一次选择、全程 无忧"的服务体验。 二是深化智能定价。车车科技将基于行业领先的驾驶行为定价体系，整合经用户授权的合规行驶数据， 联合金标大众提供的车辆动态信息与法巴天星保险的精算模型，构建AI驱动的联合风险画像，实现"好 驾驶享优惠"的差异化定价，并延伸至智能驾驶保险领域，助力破解人机共驾场景下的责任认定难题。 ...

三是构建全生命周期服务生态。三方将推动保险服务从传统车险向智能保险、续保管理、出行保障等车生态场景延伸，并深度嵌入金标大众汽车销售与售后 服务全流程。 "我们将聚焦三方面：一是迭代数字化平台，实现投保、理赔无缝衔接；二是深化场景化保险服务包创新；三是完善智能定价体系，推动服务从'数字 化'向'智能化'升级。" 车车科技总裁尚妍妍称。 法巴天星保险总经理朱仁栋表示，期待围绕产品创新、服务闭环与生态共建三大维度，开发契合新能源汽车技术特性的智驾险与场景化产品，整合汽车销 售、保险与售后资源，打造一站式解决方案，树立跨界协同新标杆。（南木） 当前，新能源车险正从规模扩张迈向高质量发展阶段。L3级有条件自动驾驶车型进入量产交付，对风险精准识别与差异化定价提出新要求。此次合作，标 志着车企、险企与科技平台三方协同探索新型车险模式的实质性落地。 根据协议，三方将发挥各自优势：法巴天星保险负责保险产品设计与承保；车车科技提供嵌入式保险SaaS系统，涵盖新能源车险系统开发、智能定价模型开 发、全流程数字化运营及智能理赔；金标大众将推动保险服务深度融入购车、用车等核心场景。合作将重点推进三大方向： 一是创新产品开发。三方将联合 ...

Core Viewpoint - The establishment of Fabre Tianxing Property Insurance Co., Ltd. marks the entry of a new player in China's property insurance industry, focusing on the new energy vehicle insurance sector [1][2]. Group 1: Company Overview - Fabre Tianxing Property Insurance is a joint venture initiated by the French Paris Insurance Group, Sichuan Yinmi Technology Co., Ltd., and Volkswagen Financial Services Overseas, combining expertise in global insurance operations, smart technology innovation, and automotive financial services [1][2]. - The registered capital of Fabre Tianxing Property Insurance is 1 billion yuan, with the French Paris Insurance Group contributing 490 million yuan (49% stake), Sichuan Yinmi Technology contributing 330 million yuan (33% stake), and Volkswagen Financial Services Overseas contributing 180 million yuan (18% stake) [1]. Group 2: Market Position and Strategy - The company aims to develop a unique competitive advantage in the market by offering diversified insurance solutions, particularly in the new energy vehicle insurance sector [1][3]. - The collaboration between foreign and domestic shareholders is expected to enhance product innovation, risk pricing, and multi-channel operations, providing significant competitive differentiation [2][3]. Group 3: Industry Impact - The increasing sales and ownership of new energy vehicles will make new energy vehicle insurance increasingly important in the business landscape of property insurance companies [3]. - The entry of automotive companies into the new energy vehicle insurance market is seen as beneficial for addressing current challenges in the development of this insurance segment [3][4]. Group 4: Future Outlook - A successful model for new energy vehicle insurance will require collaboration between automotive manufacturers and insurance companies to achieve a win-win situation [4]. - Automotive manufacturers need to adjust manufacturing processes and operational costs while insurance companies must enhance their data utilization and risk management capabilities to ensure sustainable operations [4].

Core Viewpoint - Fabatianxing Insurance, backed by foreign companies and Xiaomi Group, officially launched in Beijing, marking the entry of the 90th property insurance company in China's market [1] Group 1: Company Overview - Fabatianxing Insurance received approval to establish in October 2024 and was granted operational approval by the financial regulatory authority on October 17, 2025 [2] - The company has a registered capital of 1 billion RMB, with shareholders including France's Paris Insurance Group (49%), Sichuan Yinmi Technology Co., Ltd. (33%), and Volkswagen Financial Services Overseas (18%) [2] - The company will focus on the new energy vehicle insurance sector, aiming to develop specialized auto insurance products and enhance claims processes for better customer service [1][2] Group 2: Shareholder Background - France's Paris Insurance Group is a member of the renowned Paris Bank Group and has a long-standing presence in the Chinese market [2] - Sichuan Yinmi Technology Co., Ltd. is a member of Xiaomi Group, with significant ownership by Lei Jun [2] - Volkswagen Financial Services Overseas has established a presence in China through its investments in automotive finance [3] Group 3: Strategic Focus - Fabatianxing Insurance aims to leverage global resources, technological innovation, and industry collaboration to create value for customers [1] - The company plans to diversify its insurance solutions to expand user protection and build a unique competitive advantage in the market [3] - The management team includes experienced professionals, with the chairman and general manager approved by the financial regulatory authority [3]

Core Viewpoint - Beijing Fabatianxing Property Insurance Co., Ltd. has officially opened, becoming the 90th property insurance company in China, with a focus on the new energy vehicle insurance market [2][7]. Company Overview - Fabatianxing Insurance was approved for establishment in October 2024 and received its operating license from the financial regulatory authority on October 17, 2025 [3][8]. - The company is headquartered in Beijing and has a registered capital of 1 billion RMB [8]. - The business scope includes motor insurance, property insurance, liability insurance, marine and cargo insurance, short-term health and accident insurance, and reinsurance [3][8]. Shareholder Structure - The company is backed by three major shareholders: Groupama, Sichuan Yinmi Technology Co., Ltd. (a Xiaomi subsidiary), and Volkswagen Financial Services, holding 49%, 33%, and 18% respectively [3][9]. - Groupama is a well-known global insurance group with a long-standing presence in the Chinese market [8]. - Sichuan Yinmi Technology is fully owned by Xiaomi, which has been rumored to seek a property insurance license for several years [9]. Strategic Focus - Fabatianxing Insurance aims to leverage its shareholders' strengths in global insurance operations, smart technology innovation, and automotive financial services to create a unique competitive advantage [9]. - The company will focus on the new energy vehicle insurance sector, developing specialized auto insurance products and enhancing claims processes to improve service experiences for electric vehicle owners [2][7].

Core Viewpoint - Fabaa Tianxing Insurance officially opened on January 22, 2025, becoming the 90th property insurance company in China, aiming to leverage global resources and technological innovation to create value for customers [2][3]. Company Background - Fabaa Tianxing Insurance was approved for establishment in October 2024 and received its operating license from the financial regulatory authority on October 17, 2025. The company is based in Beijing and its business scope includes various types of insurance such as motor vehicle insurance, property insurance, liability insurance, and health insurance [3]. - The registered capital of Fabaa Tianxing Insurance is 1 billion RMB, with three major shareholders: Groupama, Sichuan Yinmi Technology Co., Ltd., and Volkswagen Financial Services, holding 49%, 33%, and 18% respectively [3][4]. Shareholder Insights - Groupama is a well-known member of the French banking group and has been active in the Chinese market for years. With the establishment of Fabaa Tianxing Insurance, it will have a dual presence in both life and property insurance in China [3]. - Sichuan Yinmi Technology Co., Ltd. is a member of Xiaomi Group, with Xiaomi Electronics Software Technology Co., Ltd. holding 100% of its shares, and Lei Jun controlling 90% of Xiaomi [4]. - Volkswagen Financial Services has established a presence in China through its automotive financial services, being the first wholly foreign-owned automotive finance company in the country [4]. Strategic Focus - Fabaa Tianxing Insurance will focus on the new energy vehicle insurance sector, aiming to develop specialized car insurance products and enhance the claims process to improve service experience for new energy vehicle owners [2][3]. - The company plans to diversify its business offerings and strengthen its competitive advantages in the market through innovative insurance solutions [4].