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自2000年以来，我国车险保费收入占财险保费收入的比例一直维持在60%以上，是财产保险收入的重要支柱。然而，在车险业务取得骄人成绩的同时，随着机动车保有量和车险市场规模快速增长，我国汽车的保险市场中高赔付率、理赔纠纷、欺诈骗赔等问题日益突出，车辆定损理赔纠纷和投诉案件激增，加剧我国汽车保险行业收支不平衡的亏损状况。基于目前车险理赔现状，本文梳理出在车险理赔环节中的数据需求，通过系统底层数据架构设计、维修逻辑设定、智能图形识别算法研究、大数据存储与挖掘技术应用等方法共同研究车险理赔综合应用平台的建设，服务于保险与汽车行业，提升车险理赔的服务能力及引领行业共建平台建设，促进汽车后市场健康、有序发展。
<<Since 2000，China's auto insurance premium income has remained at more than 60% of the property insurance premium income，it's an important pillar of property insurance income.However，while the auto insurance business has achieved impressive results，with the rapid growth of vehicle ownership and auto insurance market size，high payout ratios，claims disputes，fraud frauds and other issues are increasingly prominent in China's auto insurance market，Vehicle damage claims disputes and complaints increased dramatically，aggravating the imbalance of income and expenditure in China's auto insurance industry.Based on the current status of auto insurance claims，the report cards out the data needs in the auto insurance claims section，through the system underlying data architecture design，maintenance logic settings，intelligent graphics recognition algorithm research，big data storage and mining technology applications to construct automobile insurance claims comprehensive application platform，Serving the insurance and automotive industries，improve the service capability of auto insurance claims and lead the industry to build a platform，promote healthy and orderly development of the automotive aftermarket.
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