9月27日，中國保(bao)(bao)險(xian)(xian)(xian)(xian)行業(ye)(ye)協(xie)會（下稱(cheng)“保(bao)(bao)險(xian)(xian)(xian)(xian)業(ye)(ye)協(xie)會”）發布《新(xin)(xin)能源汽車保(bao)(bao)險(xian)(xian)(xian)(xian)事故動(dong)力蓄(xu)電池(chi)查勘檢(jian)測評估指(zhi)南》標準(zhun)。為積極(ji)響應國家“碳(tan)達峰、碳(tan)中和”戰略目標要(yao)(yao)求，該標準(zhun)聚焦解決新(xin)(xin)能源汽車動(dong)力蓄(xu)電池(chi)保(bao)(bao)險(xian)(xian)(xian)(xian)理賠中的主要(yao)(yao)問題，規(gui)范(fan)新(xin)(xin)能源汽車發生保(bao)(bao)險(xian)(xian)(xian)(xian)事故時對動(dong)力蓄(xu)電池(chi)的查勘、檢(jian)測與損(sun)傷評估，是助力新(xin)(xin)能源汽車健康發展(zhan)的重要(yao)(yao)舉(ju)措，是運用(yong)標準(zhun)化手段全面強化行業(ye)(ye)自律的具體(ti)體(ti)現。

隨著新能源汽(qi)車(che)保險(xian)(xian)研(yan)究和實踐的(de)(de)深(shen)入推進，動(dong)(dong)力(li)蓄(xu)(xu)電(dian)池(chi)(chi)(chi)保險(xian)(xian)風(feng)險(xian)(xian)和承保理(li)(li)(li)賠(pei)問題日益凸(tu)顯。保險(xian)(xian)公司理(li)(li)(li)賠(pei)定損(sun)急需動(dong)(dong)力(li)蓄(xu)(xu)電(dian)池(chi)(chi)(chi)的(de)(de)查(cha)勘(kan)(kan)、檢測(ce)、損(sun)傷評估理(li)(li)(li)賠(pei)技術(shu)規范和損(sun)失(shi)判定標準(zhun)。本次(ci)發(fa)布的(de)(de)標準(zhun)主要(yao)由查(cha)勘(kan)(kan)要(yao)求(qiu)、動(dong)(dong)力(li)蓄(xu)(xu)電(dian)池(chi)(chi)(chi)檢測(ce)、動(dong)(dong)力(li)蓄(xu)(xu)電(dian)池(chi)(chi)(chi)損(sun)傷評估等內容構成。查(cha)勘(kan)(kan)要(yao)求(qiu)中明(ming)確了(le)汽(qi)車(che)發(fa)生事故(gu)后的(de)(de)三(san)級(ji)動(dong)(dong)力(li)蓄(xu)(xu)電(dian)池(chi)(chi)(chi)風(feng)險(xian)(xian)級(ji)別和不同風(feng)險(xian)(xian)級(ji)別的(de)(de)查(cha)勘(kan)(kan)作業要(yao)求(qiu)，規范了(le)新能源汽(qi)車(che)救援(yuan)操作流程，并(bing)保障(zhang)查(cha)勘(kan)(kan)人員的(de)(de)人身(shen)安全(quan)。該標準(zhun)還按照事故(gu)類型(xing)、動(dong)(dong)力(li)蓄(xu)(xu)電(dian)池(chi)(chi)(chi)損(sun)傷場(chang)景，將動(dong)(dong)力(li)電(dian)池(chi)(chi)(chi)損(sun)傷級(ji)別分為四(si)級(ji)，將復(fu)雜(za)的(de)(de)情況進行分級(ji)處(chu)理(li)(li)(li)，進一(yi)步規范理(li)(li)(li)賠(pei)管理(li)(li)(li)并(bing)提高定損(sun)效(xiao)率，做(zuo)到(dao)科學的(de)(de)分級(ji)定損(sun)并(bing)降低理(li)(li)(li)賠(pei)成本。該標準(zhun)也為保險(xian)(xian)公司新能源汽(qi)車(che)動(dong)(dong)力(li)蓄(xu)(xu)電(dian)池(chi)(chi)(chi)的(de)(de)保前風(feng)險(xian)(xian)排查(cha)、保中風(feng)險(xian)(xian)減量(liang)與增值服(fu)務提供了(le)明(ming)確依據。

該(gai)項標(biao)準(zhun)(zhun)(zhun)的發布實(shi)(shi)施將(jiang)(jiang)推動(dong)新能源汽(qi)(qi)車保(bao)險(xian)的高質量發展(zhan)(zhan)，建立針對(dui)動(dong)力蓄電(dian)池(chi)承(cheng)保(bao)期(qi)間全(quan)(quan)流程(cheng)的標(biao)準(zhun)(zhun)(zhun)化管理(li)體系，預防(fang)相關(guan)風(feng)(feng)險(xian)發生，切實(shi)(shi)做到風(feng)(feng)險(xian)減量。標(biao)準(zhun)(zhun)(zhun)的實(shi)(shi)施也將(jiang)(jiang)促進新能源汽(qi)(qi)車可持續發展(zhan)(zhan)，推動(dong)動(dong)力蓄電(dian)池(chi)檢測和維(wei)修(xiu)技術創新，保(bao)證動(dong)力蓄電(dian)池(chi)安(an)全(quan)(quan)使用、合理(li)維(wei)修(xiu)的同時，降(jiang)低(di)(di)消(xiao)費者使用新能源汽(qi)(qi)車的整體成本。該(gai)標(biao)準(zhun)(zhun)(zhun)的應用還將(jiang)(jiang)及時有(you)效(xiao)的消(xiao)除消(xiao)費者在用車過程(cheng)中(zhong)的安(an)全(quan)(quan)隱患，降(jiang)低(di)(di)消(xiao)費者的事故風(feng)(feng)險(xian)，保(bao)障社會公共(gong)安(an)全(quan)(quan)和人民(min)生命財產安(an)全(quan)(quan)，是保(bao)險(xian)行業踐行人民(min)性和履行社會責(ze)任的重(zhong)要體現。（中(zhong)國證券報·中(zhong)證網）