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你卖的车,被南京悄悄“算计”了

  • 2026-02-02 20:41:19
你卖的车,被南京悄悄“算计”了
你不知道它，但你的车可能都被它“算计”过。
你可能没听过车300，但如果你身边人买卖过二手车，大概率用过它的服务——哪怕你根本没察觉到。
这说的是南京三百云信息科技有限公司。它不收车、不卖车，也不做C端流量，却悄悄做成了中国二手车市场的“隐形裁判”，十之八九的二手车商都绕不开它，多数二手车平台背后都有它的影子。
为何车300能冲到市占率第一？
“我们积累了国内最大的汽车数据库，国内乘用车保有量4亿多辆，我们有3个多亿，日均新增1.5万条车架号信息。” 
三百云创始人、CEO许伟介绍，公司自主研发“车300智眸大模型”，融合AI前沿技术，构建了行业领先的车辆智能评估与金融风控体系，入选江苏省人工智能创新产品及南京市重大科技专项，估值调用超155亿次，旗下App下载超2.6亿次，覆盖89%专业用户。
十年前，二手车估价靠老师傅看漆面、听发动机、翻维修记录。今天，在车300系统里，这一切由AI完成。
“估价仅需一秒，背后是上亿次计算。”许伟解释，流程大概是这样，输入一辆车有车架号，系统自动拉取来自交通部、中保信等官方渠道的维修保养、出险、年检数据，再结合区域供需、历史成交、车型热度等数百个维度，立刻就能出估值区间和车况风险提示。
“以前一个评估师一天看20台车就到极限，现在AI一天能处理几十万单。”许伟介绍，以前靠人工，后来是机器学习，现在有了大模型效率就更高了，更准更快。
除了为二手车商提供服务，AI更大用武之地是金融和保险。银行或融资租赁公司在放贷前，需要判断抵押车辆的真实价值和残值风险。车300AI模型就成了他们的“眼睛”，解决了车况识别难、价格评估不准、流程效率低等痛点。目前系统贷前反欺诈审核资产累计突破1万亿元，车险承保反欺诈风险扫描量去年突破1500万单。
2025年公司营收约4亿元，其中一半来自汽车金融。眼下公司正大力切入保险业务，中短期目标是年营收破10亿元。
车险定价长期依赖新车数据，对二手车缺乏精准画像。车300正将AI能力输出给保险公司，用于UBI车险定价、理赔反欺诈等场景。这块市场才刚开始爆发。
“AI怎么用？最好的策略是避开大厂的关键路径，把AI大模型应用到自己的细分领域里面。”许伟毕业于清华大学计算机系，从2024年创业初就认准了二手车赛道，公司总部一直设在鼓楼区，如今已成长为国家级专精特新“小巨人”企业。
二手车流通领域，车300的角色就像是“卖水人”。公司要打造中国领先的汽车交易与金融科技独立第三方服务平台，虽不直接下场，但是各方“谁也离不开它”。
对这几座南京的大厂，想说声谢谢
接入DeepSeek成风，这帮人悄悄“淘金”
奔月球，上太空！南京民企悄悄干了票大的……
本文来自网友投稿或网络内容，如有侵犯您的权益请联系我们删除，联系邮箱：wyl860211@qq.com 。

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  1. CONNECT:[ UseTime:0.000413s ] mysql:host=127.0.0.1;port=3306;dbname=b460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000968s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000382s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000295s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000527s ]
  6. SELECT * FROM `set` [ RunTime:0.000182s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000599s ]
  8. SELECT * FROM `article` WHERE `id` = 473414 LIMIT 1 [ RunTime:0.000976s ]
  9. UPDATE `article` SET `lasttime` = 1770535712 WHERE `id` = 473414 [ RunTime:0.000905s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.000248s ]
  11. SELECT * FROM `article` WHERE `id` < 473414 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000905s ]
  12. SELECT * FROM `article` WHERE `id` > 473414 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.014763s ]
  13. SELECT * FROM `article` WHERE `id` < 473414 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.002856s ]
  14. SELECT * FROM `article` WHERE `id` < 473414 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.006876s ]
  15. SELECT * FROM `article` WHERE `id` < 473414 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.005734s ]
0.103561s