标签： 西安耍耍

　　The rapid changes brought by the new economy to society and the adjustment of the interest pattern are fully reflected in the field of online car-hailing. On the one hand, the platformization and networking characteristics of the new economy expand the scope and depth of contradictions. On the other hand, the new policy of online car-hailing involves a wide range, and the game of interests increases the difficulty of implementing the new policy.

　　"Economic Information Daily" reporter learned that the "Interim Measures for the Management of Online Booking Taxi Business Services" has been implemented for more than half a year, and many local governments have not yet issued detailed implementation rules. Some cities that have issued detailed rules but have higher thresholds face "difficulties in landing".

　　Many industry insiders and experts suggest that we should be fully aware of the role of the sharing economy represented by online car-hailing in promoting social employment and transforming social management models. It is recommended to use the "subtraction" of power in exchange for the "multiplication" of market vitality.

　　The new policy of online car-hailing in some cities is "difficult to implement"

　　The reporter learned that as of April 24, 2017, 85 cities had issued detailed rules for the implementation of online car-hailing, 115 cities had completed the consultation, and more than 100 cities had not yet completed the consultation.

　　In some areas where new policies have been introduced, the implementation of policies still faces a game situation. The reporter learned that the main focus of the game between policy requirements and platform interests is twofold: first, whether to implement household registration, vehicle, wheelbase and other requirements; second, what degree of access to the operation data of the supervision platform needs to be reached and what content is included.

　　In practice, some cities took into account the capacity of the local taxi market and the strategic needs of urban development, and imposed more restrictions on drivers’ household registration, vehicle price and wheelbase. Some platforms have calculated that the implementation of the new policy in cities with higher thresholds will reduce their online car-hailing capacity by more than 90%, which is a heavy blow to the platform.

　　At the same time, the platform-based characteristics of online car-hailing break the tradition of "the company is local" in the past. If the online car-hailing platform does not set up a local subsidiary, the local management department may not find a communication partner during supervision, which exacerbates the difficulty of solving the problem.

　　On the other hand, the new economy represented by online ride-hailing platforms quickly grabbed market share with the help of subsidies and financing, but this fast pace has had a great impact on the balance of the traditional taxi industry in a short period of time. At the same time, in some higher threshold areas, it has also caused a large "crowding out effect" for online ride-hailing drivers. These factors have led to constant friction between cruise car drivers and online ride-hailing drivers in some places.

　　According to Didi Chuxing statistics, as of February 2017, the total number of registered drivers on the Didi platform reached more than 17.50 million. Active drivers on the Didi platform 2 million, with a per capita daily income of more than 160 yuan, and the total number of taxi drivers in various cities across the country has reached 2 million. At the same time, there are thousands of software and algorithm engineers behind Didi.

　　All parties have mixed reactions to the new policy of online car-hailing

　　The reporter learned that the implementation of the new policy varies widely across the country, and the views of all parties on the online car-hailing industry have also fluctuated.

　　Some local new policies have passed the implementation deadline, but non-compliant online car-hailing is still in operation. Cruise car drivers do not know whether to stay in their jobs, and online car-hailing drivers do not know whether to change careers.

　　According to statistics from the Beijing Municipal Transportation Commission, after the emergence of online car-hailing, the income of cruise car drivers fell from about 6,500 yuan in 2013 to about 4,500 yuan in the first half of 2016. From 2014 to 2016, the driver team lost nearly 10,000 people. However, taxi operations have recently improved.

　　A Didi executive who did not want to be named said that after the introduction of the new policy, Didi’s online car-hailing business also experienced a sharp decline, and drivers were losing a lot.

　　According to reports, before the Spring Festival in 2017, the average daily number of taxi calls by passengers in some big cities increased sharply from more than 300,000 to 900,000, and the response rate of taxis on the Didi platform was only 40%. In addition, after the new policy was gradually implemented, the transportation capacity of Didi Kuaidi special car decreased, and the response rate dropped from 90% in October 2016 to about 50% in March 2017, which greatly reduced the travel experience of passengers.

　　Capital markets have also begun to hesitate, "unsure" of the market prospects of online car-hailing platforms. Due to the impact of the new policy on the market, the market valuation of many online car-hailing platform companies has declined, which has also affected the layout of enterprises at home and abroad. Some industry insiders said that the enthusiasm of domestic venture capital capital for the sharing economy such as online car-hailing has subsided.

　　The implementation of the New Deal is difficult to reflect management anxiety

　　The Interim Measures for the Administration of Online Booking Taxi Business Services have been in place for more than half a year, but the implementation details in many places have not yet been issued.

　　The demand for online car-hailing varies from place to place. Some places believe that cities should give priority to the development of public transportation, and online car-hailing is only a supplement and should be more "high-end" than cruise taxis. Therefore, higher thresholds are set for online car-hailing models, prices, displacements, and wheelbases. There are also some places that want online car-hailing to take into account both high, medium and low-end needs. For example, Haikou has abolished the displacement limit of online car-hailing, while Lijiang and Hanzhong have chosen to connect cruise taxis to online car-hailing platforms as a whole.

　　Shouqi car-hailing CEO Wei Dong said that road traffic congestion in first-tier cities in our country is serious, and it is reasonable for local management departments to choose to raise the threshold for online car-hailing, while the taxi market in second- and third-tier cities is not saturated, and the online car-hailing policy can be relaxed a little.

　　As for whether the number of taxis should be controlled. A grassroots cadre said that the Ministry of Construction issued the "Urban Road Traffic Planning and Design Specifications" in 1995, which stipulated that the number of taxis in large cities should be 20 per 10,000 people and 15 in small and medium-sized cities. This became the standard for calculating and controlling the number of taxis in most cities.

　　However, there are also opinions that this standard has not changed for many years, and that online car-hailing is not the main cause of road traffic congestion, so quantitative control should be liberalized in a timely manner. The "Analysis Report on Beijing Road Traffic Operation Based on Didi Big Data" released by Professor Yan Xuedong’s research group at Beijing Jiaotong University in October 2016 believes that online car-hailing uses economic laws as a lever to adjust the supply and demand of the traffic market, and uses information symmetry as the core to match the supply and demand, which helps to reduce the rate of empty vehicles.

　　In many places, the development of online car-hailing has led to a shrinkage in the price of taxi licenses, and some taxi drivers and license-speculating intermediaries have been seriously damaged. For example, some urban taxi licenses have increased from 200,000 yuan in the past to 800,000 yuan, due to online car-hailing competition and reduced to 400,000 yuan.

　　Some industry insiders say that the formulation of the local version of the new car-hailing policy faces multiple interests. Before the reform of the taxi industry, drivers had lifetime licenses, which made them lack the incentive to improve their services. If the depreciation of the license is used to redeem and other means to accelerate the withdrawal of local taxi companies, these companies may find it difficult to accept.

　　The law enforcement of online car-hailing has also caused administrative reconsideration in various places. An executive of a car rental company in Nanjing said that private cars in Nanjing were converted to operating vehicles. When they were connected to the platform, the passenger management office of the traffic bureau allowed them, but the vehicle management office of the public security bureau failed the annual inspection. Many private cars have been difficult to access the online car-hailing platform.

　　An official from the Kunshan Municipal Transportation Bureau said that some platforms have openly resisted the law, not only encouraging vehicles punished in Kunshan to file for administrative reconsideration, but also reimbursing fines. Some local transportation management departments have frequently received administrative reconsideration for online car-hailing, and they are basically unable to do other things.

　　Xu Kangming, a taxi reform expert, believes that after the release of the local new policy, measures should be taken to allow illegal people and vehicles to withdraw, otherwise it will destroy the fair market environment. On the one hand, cruise taxi companies cannot expand their scale, and on the other hand, law-abiding online car-hailing companies will pay a high price.

　　Safeguarding the "source of vitality" of the sharing economy

　　Some experts interviewed believe that they should be fully aware of the role of the sharing economy represented by ride-hailing in promoting social employment and transforming social management models, and suggest "subtraction" of power in exchange for "multiplication" of market vitality.

　　In-depth research on ride-hailing companies and conduct scientific assessments. The sharing economy represented by ride-hailing poses new challenges to the urban traffic management model. Behind the transformation of the momentum of the old and new economies is the differentiation of the beneficiary groups of the old and new economies. Industry insiders believe that the beneficiary groups of the old economy are more concentrated and highly organized, but the beneficiary groups of the new economy are more extensive and the voice is more scattered. Therefore, in policy formulation, the affordability of the beneficiary groups of the old economy should be considered, as well as the breadth of the beneficiary groups of the new economy.

　　The rise of platform economies such as Didi, Alibaba, and Tencent is supported by strong capital, which has also benefited many people. And the credit economy, platformization, and big data management may give birth to new technologies such as smart transportation, driverless driving, and vehicle to everything. These are the trends of future economic and social development. They are also an important support for the government to build new management functions. It should be treated with a more open mind.

　　A Didi executive said that although the "zombie cars" of Didi’s platform are not easy to manage, it said that the surplus capacity of social vehicles can be fully released when the urban capacity is tight. Cheng Wei, founder and CEO of Didi Chuxing, said that if China is to achieve the corner overtaking the western industrial powers, it is a big opportunity to transform the traditional industrial industry with the Internet thinking.

　　On the one hand, formulate a relatively scientific withdrawal and compensation mechanism to reduce the anxiety of social group transformation. During the transition period of the New Deal, many full-time online car-hailing drivers may lose their jobs. It is recommended to carry out relevant policy explanation and guidance work to attract them to work part-time on platforms such as car rental companies.

　　On the other hand, science foresees the challenges that taxi part-time may bring. The sharing economy model may lead to a wider range of part-time jobs for drivers, which will increase the difficulty of management and may also impact the average income level of the taxi industry. Car rental companies can be encouraged to increase their own vehicles to cope with the ebb and flow of Internet supply, and the average income of the taxi industry can be monitored and evaluated to guide the development of the industry scientifically.

BEIJING, Beijing, August 2 (Reporter Zuo Yukun, Zhang Ni) Recently, under the influence of Typhoon Du Surui, extreme rainfall occurred in many areas. Under the heavy rain, many vehicles were trapped in the water, flooded or even washed away directly.

　　According to the Beijing Supervision Bureau of the State Financial Supervision Administration, as of 8: 00 a.m. on July 31, the property insurance industry in Beijing had received 978 related insurance reports and rescued 65 vehicles and personnel in distress, and the follow-up insurance reporting and handling work was still in progress.

　　For car owners, can their vehicles be compensated if they are flooded? How to protect personal and property safety to the greatest extent?

　　If the vehicle is soaked in water, will the insurance pay?

　　Regarding the question of whether the flooded car can get compensation, the owner who bought the car damage insurance can rest assured.

　　According to the relevant provisions of motor vehicle loss insurance (hereinafter referred to as motor vehicle damage insurance), if the direct loss of motor vehicles caused by natural disasters and accidents is not within the scope of compensation exemption, compensation can be made in accordance with the agreement. Among them, in terms of natural disasters, the scope of compensation includes hail, lightning strikes, storms, rainstorms, floods and many other common natural disasters.

　　Many old drivers may claim "water-related insurance" when their cars are flooded. Wang Guojun, a professor at university of international business and economics Institute of Insurance, told the reporter of Sino-Singapore Finance and Economics: "Now there is no water-related insurance, and it is all in the car damage insurance. Whether the engine of a traditional car is flooded or the battery of a new energy vehicle is damaged, it is counted in the car damage insurance. "

　　Specifically, the Guiding Opinions on Implementing Comprehensive Auto Insurance Reform, which was officially implemented on September 19, 2020, has carried out major reforms in China’s auto insurance. As long as the new insurance users and renewal insurance users after the above time point have included additional risks such as water-related insurance in the car damage insurance, they do not need to be insured separately. Insurance can pay for vehicles wading and soaking in water.

　　The Beijing Supervision Bureau of the State Financial Supervision and Administration Bureau also issued a reminder on July 31: After the comprehensive reform of auto insurance started, the coverage of vehicle loss insurance has covered the losses caused by natural disasters such as rainstorm and typhoon. If the vehicle suffers related losses, please call the insurance company to report the case in time to confirm whether the relevant insurance is insured, and go through the follow-up claim settlement procedures under the guidance of the staff.

　　Will the claim be affected if the car is washed away?

　　Heavy rains lead to flooding, and sometimes the vehicles are directly washed away. If the car search is unsuccessful, can I pay for it?

　　Wang Guojun believes that there is no need to worry at all: "First of all, where the car was rushed can basically be judged by positioning; If it is true that the vehicle is completely washed away and cannot be recovered, the insurance company will generally presume a total loss to make a claim. "

　　From the specific operation point of view, the settlement of claims for lost vehicles requires the intervention and assistance of public security organs. After the car can’t be recovered eventually, the owner of the motor vehicle needs to issue a certificate of loss to the local public security organ, then go to the vehicle management office to cancel the vehicle, and finally go to the insurance company to make claims.

　　However, it should be noted that the engine is turned off after the vehicle is flooded, and the engine must not be started again, otherwise it will cause engine damage. If the engine is damaged by "secondary ignition" in the water, the insurance company generally thinks that it belongs to the "loss expansion" exemption situation and will not claim compensation.

　　What should I do after the vehicle is flooded?

　　What should the owner do if the vehicle is flooded? Zhongxin Finance consulted the customer service staff of several property insurance companies.

　　The customer service staff of PICC P&C said: If the vehicle is flooded, you should apply for compensation as soon as possible, but the specific amount of compensation is subject to the opinions of the adjuster, and it should be accounted according to the actual value of the vehicle and relevant circumstances.

　　Sunshine Insurance staff said: If the vehicle is soaked, it is necessary to contact the insurance company as soon as possible, and the staff should investigate the site, otherwise the site will be difficult to identify after the water recedes.

　　It is worth noting that in principle, insurance companies have a time limit for reporting claims. However, Wang Guojun pointed out that in the face of special circumstances such as rainstorm, insurance companies will also handle it as appropriate. The staff of the insurance company also said that the actual situation does not necessarily have to be applied on the same day, but it should be applied as soon as possible.

　　"In case of special circumstances, the owner and the personnel on board must first ensure personal safety, and the car should be abandoned; In the case of purchasing car damage insurance, report the case to the insurance company in time, and then handle it according to the insurance company’s process. " Wang Guojun emphasized that insurance companies may now release reminders such as moving cars to customers according to big data before risks, and pay attention to this.

　　Will it trigger the overall premium increase?

　　Property losses caused by extreme weather will naturally bring some pressure to insurance companies’ claims. According to the data previously disclosed by the government, in 2021, the rainstorm disaster in Zhengzhou, Henan Province, it is estimated that the final amount of auto insurance claims in the entire insurance industry may reach 7 billion yuan.

　　Recently, some people in the insurance industry said that the recent heavy rain has caused the claims rate of various insurance companies to rise linearly, and the subsequent insurance prices are likely to increase. After the rainstorm, can cars that are not out of danger also usher in an increase in premiums?

　　A senior insurance practitioner told Zhongxin Finance: Usually, the increase in claim rate will lead to an increase in premium, but this should have been taken into account when designing insurance products.

　　"In recent years, several rainstorm disasters have also reported the loss of many vehicles. It is impossible for insurance companies to issue existing bubble cars this year to apply for claims due to meteorological disasters. When designing products, these car damages will be taken into account in the calculation model. The premium of general auto insurance is comprehensively calculated based on factors such as the service life of the vehicle, the number of accidents, and the age of the insured. " The above practitioners believe that.

　　In addition, the reporter consulted a number of insurance company staff and got a reply saying that if the vehicle is really out of danger, the subsequent premium increase is normal; For vehicles that are not in danger, we have not received the notice of adjusting the premium yet. However, some insurance company sales staff said that if the flood is serious, the premium may be fine-tuned, but there is no precedent for a big increase before.

　　Wang Guojun also said that there is indeed the possibility of premium increase in the future. "This rainstorm has increased the overall risk, and insurance companies will increase the proportion of catastrophe risk in actuarial terms in the future, otherwise they may lose money when they encounter the same disaster in the future." However, he believes that the overall premium should not rise too much.

　　Wang Guojun also reminded that because the car damage insurance is purchased voluntarily by the owner, some people will feel that their daily car damage is not big, instead of buying car damage insurance, they only take three liability insurance. "Considering the special circumstances such as wading and spontaneous combustion, car damage insurance is still necessary, especially for relatively new and high-value cars."