There are three major sources of auto market data

One is from social media.

Micro-letters, Weibo, these platforms will have a large number of text data, voice data, distributors and customers every conversation, micro-blog every message, micro-letter each interactive dialogue, through the appropriate voice, semantic mining, can explore the relationship between consumer and consumer behavior.

There are three major sources of auto market data

The second is from the telematics system.

In the next few years, telematics system will become standard car, similar to the car black box of such systems will automatically record a large number of vehicles, because the system will be built into the owner of entertainment, social, information systems, machine Records of information will allow manufacturers really have large data, how to analyze these data will have a lot of new industries, For example, according to the telematics system data to study the congestion problem, such as according to the machine Records of emergency braking and speeding situation analysis of car driver behavior and vehicle failure, traffic accident Chuxian rate of the relationship between the car owners to provide more accurate use of recommendations or to different users to charge different premiums and so on.

As for geographical information, entertainment information, car owners social Information Such information is an inexhaustible gold mine, this is the telematics industry's Sunrise Industries attribute.

The third is from the insurance industry.

Overall, the big data related to insurance comes from two.

The first is based on OBD driving behavior data, which is an important way to obtain the user's driving behavior in the absence of a telematics system in the vehicle.

I remember that there was a micro-letter friend sent a few of his developed car OBD products to my evaluation, I found a car plane and the Internet editor to participate in the evaluation, an editor bluntly told me: we can not find the owner to use this OBD system of necessity. This is true, However, if the vehicle is not equipped with telematics system, the equipment OBD helps to identify the large data generating user behavior, which is the key to identify user characteristics A friend in the industry even opened the OBD device to crack the private agreement of the manufacturer, he is proud to think that other OBD developers do not have this function, although this kind of crack helps the OBD product to get more vehicle information, but it is not enough to let users pay for it-know more about the meaning of car owners?

Another large data source in the insurance industry is the background of insurance claims and fixed loss, which is the focus of this paper.

Although some people in the industry, Tai Bao, Ping, and many other insurance companies, but these insurance companies to complete vehicle insurance insurance, Chuxian fixed loss is needed an accurate data platform to support-at present, there are 400 models for sale, each model has different models, each model has a very long upgrade history, To complete the new car insurance and renewal, must obtain each new car in different periods of vehicle residual value, this is the basis of insurance-obviously the insurance company will not take the car website data for reference, they write wrong is not to compensate for any loss.

In addition, in the event of vehicle accidents, it is necessary to obtain the price of parts of each model, cost of work, which is the key to determine the amount of compensation, it is clear that the different areas of the work costs vary, different maintenance enterprises, different channels, different brands of parts and components prices are differences, which means that the amount of the fixed loss of insurance companies , maintenance enterprises, owners of the three-party recognition, must have a fair third party agencies to determine the standard loss, different regions and patterns of accessories prices, working hours price is to be collected and obtained data.

In both respects, it takes a lot of human and material resources to get the data, and it's obviously too expensive for a single insurer to do it. A visit from a friend in the industry has made me understand that most of China's insurance companies and car companies get professional data, software and training services from the same data provider, This is the thing that makes my post-market watchers look amazing.

I have studied the post market situation in Europe, there is only to do the car original and aftermarket parts of the model interchange and quotation query system has multiple data suppliers, and the domestic currently doing this thing of course there are, for example, do O2O entrepreneurs have claimed to help manufacturers develop parts management platform and "gray" To obtain a number of manufacturers of the parts of the quotation data, some insurance companies also claim to have such data, and they want to establish a post market entrance and start O2O exploration with the help of the portal. But for most entrepreneurs who want to do O2O services, or to engage in a post-market-related internet business, based on accurate historical vehicle data, Maintenance data to make the service products are more valuable, only on the car website data is not enough to provide professional services to owners.

As I've mentioned many times in previous articles, if who wants to become an Internet vehicle after the entrance of the market, the history of vehicle inquiries, accessories price inquiries, hour inquiries, routine maintenance price inquiries are essential to provide the basic services. With this foundation, any post market innovation is likely to be professional. Now look, It seems that only the company I mentioned above could make this data engine after adding routine maintenance databases on the basis of existing data.

I believe that once the company makes a data query engine for the post market, he will prefer to open the platform to more O2O application developers based on the data platform to build more interesting post-market applications--which is the basis for the establishment of their data authority. More localized O2O enterprises can focus on the discovery and collaboration model innovation of local maintenance networks, focus on acquiring users, focus on matchmaking transactions, focus on increasing transaction reach, no need to update resources for underlying database. Of course, there will be competitors joining this data engine war, Because insurance is based on large data forecasts to profitability. Insurance-related accident vehicle maintenance is the main source of profit for almost all maintenance enterprises. And insurance, accident car repair and second-hand cars are closely related to the transaction. This means that the data behind the insurance is the entire auto service industry chain, who can seize this big data opportunity, Who can really get the car after the market Internet profit ticket

(Responsible editor: Lu Guang)