网络众筹融资模式在相互保险中的应用探究

发布时间：2018-07-23 10:23

【摘要】：随着保险业“新国十条”的出台以及《相互保险组织监管试行办法》的颁布,我国相互保险发展的相关政策逐渐完善,在相关政策的大力支持下,国内相互保险市场迅速发展,各个市场主体积极尝试探索相互保险发展的新形式,包括由上市公司共同出资组建的公司制形式;互助平台形式,例如抗癌公社、E互助等;高校组织团体形式等。在此背景下,本文借鉴当前网络众筹平台的发展经验,探索将网络众筹模式应用于相互保险领域,分析网络众筹的优势、传统相互保险公司存在的问题,提出建立相互保险网络平台的发展方案,深入研究众筹融资模式运行中涉及的平台和运行主体,建立系统动力学模型,目的是通过动力学系统模型,分析当前众筹融资模式在众筹平台的应用效果,运用类比的思想,模拟仿真众筹融资模式在相互保险平台中运行的效果,最后对于应用方案面临的问题及措施进行分析。网络众筹应用于相互保险领域的应用方案出现的问题包括相互保险的面临的风险以及网络众筹集资的合法性问题等方面,进而针对出现的问题,从完善相互保险法律监管等方面提出了相应的具体应对策略。
[Abstract]:With the promulgation of the "New National Ten articles" of insurance industry and the promulgation of the "trial measures of Mutual Insurance Organization Supervision", the related policies of mutual insurance development in China have been gradually improved. With the support of relevant policies, the domestic mutual insurance market has developed rapidly. Various market subjects actively try to explore new forms of mutual insurance development, including the corporate system, which is jointly funded by listed companies; the mutual aid platform, such as anti-cancer commune, mutual aid, and so on; the form of university organization and group, and so on. Under this background, this paper draws lessons from the development experience of the current network crowdfunding platform, explores the application of the network crowdfunding model in the field of mutual insurance, analyzes the advantages of the network crowdfunding, and the problems existing in the traditional mutual insurance companies. The development scheme of establishing mutual insurance network platform is put forward. The platform and main body involved in the operation of crowdfunding mode are deeply studied, and the system dynamics model is established, the purpose of which is to establish a dynamic system model. This paper analyzes the application effect of the current crowdfunding model in the crowdfunding platform, simulates the effect of the multi-fund-raising model running in the mutual insurance platform by using the analogy thought, and finally analyzes the problems and measures faced by the application scheme. The problems in the application of network crowdfunding in the field of mutual insurance include the risks of mutual insurance and the legitimacy of network crowdfunding. From the aspects of perfecting mutual insurance legal supervision and other aspects, the corresponding specific countermeasures are put forward.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F842

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