网络健康互助平台发展问题研究

发布时间：2018-01-10 09:36

本文关键词：网络健康互助平台发展问题研究　出处：《首都经济贸易大学》2017年硕士论文　论文类型：学位论文

【摘要】：自2015年10月28日,保监会发布“关于‘互助计划’等类保险活动的风险提示”起,各类网络健康互助平台逐步进入公众视野,2016年其发展更是出现井喷之势。2016年11月3日,保监会针对部分涉嫌非法经营保险业务的互助平台提出了整改要求,但互助平台依旧未纳入有效监管范围。至此,在互联网与保险创新的大背景下,结合理论分析,探究互助平台的性质与可持续发展有着重要的实践和理论意义。本文首先研究互助平台产生的背景,在此背景之下选择e互助、抗癌公社、壁虎互助、水滴互助四大网络互助平台进行解读,主要从入会条件、保障内容、资金管理、运行监管模式、退出机制等方面分析网络互助平台的特点;其次结合社会舆论的焦点分析互助平台从健康领域兴起的原因,从中找出互助平台优势,为相互保险创新提供思路;结合相互保险的概念、运营模式以及特点分析,总结互助平台的性质归属;接着分析互助平台可持续发展的可能性,探讨了互助平台未来可能的发展路径,即向相互保险公司或纯公益类组织转型,或继续以网络互助的形式深入发展。最后对互助平台的现状进行总结,分析互助平台的优势与不足,并针对运行存在的问题出发,从涉及到的平台设立、运行、退出等方面的问题提出解决办法。
[Abstract]:Since October 28, 2015, the CIRC issued the "risk" of mutual insurance activities such as "tips", all kinds of network health assistance platform gradually into the public view, the development of it is 2016 blowout in.2016 in November 3rd, the CIRC for suspected illegal insurance business cooperation platform proposed rectification requirements, but mutual aid platform is still not included in the scope of effective supervision. Thus, in the background of the Internet and insurance innovation, combined with theoretical analysis, has important practical and theoretical significance to explore nature mutual platform and sustainable development. This paper studies the cooperation platform for the background, under this background e mutual, anticancer commune, house lizard co drop mutual four network platform for mutual interpretation, mainly from the terms of membership, security content, financial management, operation supervision mode, exit mechanism and so on Analysis of the mutual aid network platform; secondly the focus of the public opinion analysis platform for mutual rise from the field of health, in order to find out the platform for mutual advantage, provide ideas for mutual insurance innovation; combined with the concept of mutual insurance, operation mode and characteristics analysis, summarize the ownership nature of mutual platform; then analyzes the possibility of the cooperation platform for sustainable development to explore the development path, the future cooperation platform, to the Mutual Insurance Companies or commonweal organization transformation, or continue to network in the form of mutual aid. At the end of the current development of mutual platform are summarized, the advantages and disadvantages of the cooperation platform, and aiming at the problems of the operation, from the related to the establishment of a platform. Operation, puts forward the solutions from other aspects of the problem.

【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F842.4

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