汽车保险专业校外实践基地建设与运行机制研究——基于校企协同的视角

Research on the Construction and Operation Mechanism of Off Campus Practice Bases for Automotive Insurance Majors—Based on the Perspective of School Enterprise Collaboration

摘要: 随着汽车保险业的迅猛发展，行业对高素质应用型人才的需求与高校传统教学滞后性之间的矛盾日益凸显，构建多维度、多样化的校外实践基地成为破解人才供需失衡的关键路径。本文以利益相关者理论为核心分析工具，解析学生、学校、企业、政府的合作诉求、潜在冲突与利益平衡点并构建解决方案，结合协同创新理论，对标国内外校企协同育人前沿研究，明确本研究在产教融合学术脉络中的补充价值。通过分析汽车保险行业人才短缺及高校实践教学脱节的现状，论证了校外实践基地在人才培养中的核心价值。以南宁学院的校企合作实践为例，研究梳理了其在车险查勘定损培训、产学研基地共建等方面的探索成果，并深入剖析了当前基地建设中存在的“企业承载能力与教学规模化需求”、“企业运营逻辑与教学管理规律”两大核心矛盾。基于此，提出未来应从拓展教学承载能力、强化人才培养效能、提升专业支撑力度三个维度深化校企合作，旨在构建长效共赢机制，推动汽车保险人才培养与产业高质量协同发展。

Abstract: With the rapid development of the auto insurance industry, the contradiction between the industry’s demand for high-quality applied talents and the lagging traditional teaching in colleges and universities has become increasingly prominent. Building multi-dimensional and diversified off-campus practice bases has become a key path to solve the imbalance between talent supply and demand. This paper takes the stakeholder theory as the core analytical tool to analyze the cooperation demands, potential conflicts and interest balance points of students, schools, enterprises and the government, and construct solutions. Combined with the theory of collaborative innovation, it benchmarks the cutting-edge research on school-enterprise collaborative education at home and abroad, and clarifies the supplementary value of this study in the academic context of industry-education integration. By analyzing the current situation of talent shortage in the auto insurance industry and the disconnection between practical teaching in colleges and universities, it demonstrates the core value of off-campus practice bases in talent cultivation. Taking the school-enterprise cooperation practice of Nanning University as an example, the paper studies and sorts out its exploration achievements in auto insurance claim investigation and loss assessment training, and the co-construction of industry-university-research bases, and deeply analyzes the two core contradictions existing in the current base construction: “enterprise carrying capacity and the demand for large-scale teaching” and “enterprise operation logic and teaching management rules”. Based on this, it is proposed that in the future, school-enterprise cooperation should be deepened from three dimensions: expanding teaching carrying capacity, strengthening talent cultivation efficiency, and enhancing professional support strength, aiming to build a long-term win-win mechanism and promote the high-quality coordinated development of auto insurance talent cultivation and the industry.