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图3-6中国新能源车险保费规模与增速
图3-6中国新能源车险保费规模与增速
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图片尺寸：1127*830
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所属报告：
中央财经大学&中国平安：2025保险助力绿色交通发展蓝皮书（131页）.pdf
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图1.2：国内需求支撑了从2021-2023年能源冲击中的复苏
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2026-07-21
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图3.7：.到2030年，可再生能源和短时灵活性需要扩张
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2026-07-21
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图21：2024年非洲清洁能源投资资金来源构成
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2026-07-21
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韩国通胀由能源向商品和服务价格扩散
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2026-07-21
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截至2025年3月末河南能源在产矿井总产能8615万吨/年
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行业数据
2026-07-21
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截至2025年3月末河南能源主要在建矿井情况（亿元）
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行业数据
2026-07-21
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美国杜克能源五年资本开支计划（单位：亿美元）
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行业数据
2026-07-21
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为光能源参加IntersolarEurope2026
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行业数据
2026-07-21
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新能源乘用车批发销量及增速（辆，%）
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行业数据
2026-07-20
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30万元以上乘用车销量及新能源渗透率（万辆；%）
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行业数据
2026-07-20
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分价格带新能源渗透率（%）
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行业数据
2026-07-20
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新能源渠道库存变化（万辆）
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行业数据
2026-07-20
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15-20万元乘用车销量及新能源渗透率（万辆；%）
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行业数据
2026-07-20
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0-10万元乘用车销量及新能源渗透率（万辆；%）
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2026-07-20
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新能源乘用车上险销量及增速（辆，%）
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2026-07-20
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随着新能源汽车市场的快速扩张，车险市场也在发生深刻变革。然而，相较 于传统燃油车险，新能源汽车在定价、风险识别、维修和理赔等多方面存在独特 的挑战。这些痛点不仅影响保险公司的风险管控和盈利能力，也直接关系到车主 保障的有效性和满意度。下面总结了目前新能源汽车车险的突出问题： 第一，赔付成本居高不下：当前新能源汽车车险总体面临赔付成本居高不下 的问题，其主要体现在出险频次偏高和维修费用高昂两大方面。 出现频次偏高：新能源网约车因享受限行豁免政策，营运强度显著提升，推 高了事故风险。同时，保险公司对网约车身份识别不足，导致定价模型未能充分 反映这部分风险。此外，新能源车主群体年轻，驾驶经验相对不足，加之车辆加 速快、噪音低的特点，更易出现急加速等行为，进而造成出险频次偏高。 维修费用高昂：维修费用高昂是新能源车险赔付成本高企的另一大挑战，其 原因主要集中在以下几点：第一是新能源汽车的“三电”系统往往集成度比较高， 损坏后通常需要整体更换，致使新能源汽车事故后动力系统的维修成本远高于传 统燃油车的发动机或变速箱的维修成本。同时，新能源车零部件供应链尚不成熟， 配件价格居高不下，小范围维修难以实现。第二是新能源汽车的维修技术门槛较 高，例如电池包拆解、传感器标定以及一体化压铸车身修复等工序，均需依赖专
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中央财经大学&中国平安：2025保险助力绿色交通发展蓝皮书（131页）.pdf
图6-8历年我国地铁保险工程险费率走势
图6-6地铁自然风险事故诱因分析
表6-2近年国外相关政策制度
图6-52017-2022年中国TOD模式行业市场规模（亿元）
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