网络互助平台参与成本与风险匹配研究——逆选择、道德风险与网络互助平台运作的可持续性分析

发布时间：2018-07-21 18:04

【摘要】：网络互助平台是我国互助保障领域的新事物,具有鲜明的"低门槛"和"公益性"特征,近年来,吸引了大量互联网用户的参与。目前各网络互助平台在会员准入、损失均摊、责任范围等方面已经建立起比较清晰的互助规则。与商业保险的经营规则相比,网络互助平台在准入和支付方面的规则比较宽松,在定价方面也忽视了会员的差异,使得其不仅面临着会员的逆选择风险,还面临着会员的事后道德风险。参与成本和风险不相匹配的问题会导致激励扭曲,损害绝大部分会员的利益,对网络互助平台运作的可持续性带来挑战。对比网络互助平台的运营方可以采取一些措施缓解信息不对称问题的影响,从而增强平台运作的可持续性。同时,监管机构也应该在条件成熟时采取相应的监管措施。
[Abstract]:Network mutual assistance platform is a new thing in the field of mutual support in China. It has the characteristics of "low threshold" and "public welfare". In recent years, it has attracted a large number of Internet users. At present, the network mutual assistance platform has established a clearer mutual aid rules in the aspects of membership access, loss sharing, responsibility scope and so on. And business insurance management. Compared with the rules, the rules of the network mutual aid platform are relatively loose in access and payment, and the difference in the membership is ignored in the pricing. It not only faces the risk of members' adverse selection, but also faces the post moral hazard of members. The problems that do not match the cost and risk will lead to the distortion of incentive and most of the members. The benefits of the network help to challenge the sustainability of the network mutual platform. In contrast, the operators of the network mutual assistance platform can take some measures to alleviate the impact of information asymmetry and enhance the sustainability of the operation of the platform. At the same time, the regulators should take corresponding regulatory measures when conditions are ripe.
【作者单位】：对外经济贸易大学保险学院;美国布兰迪斯大学国际商学院;
【基金】：国家自然科学基金面上项目(71573041) 中央高校基本科研业务费专项资金项目(CXTD8-03) 中国保监会部级重点研究课题的阶段性成果
【分类号】：F724.6;F842.6

【相似文献】