基于网络互助平台的网络相互保险研究

发布时间：2018-01-23 07:24

本文关键词： 相互保险网络互助平台网络相互保险公司定价模型可行性　出处：《浙江工商大学》2017年硕士论文　论文类型：学位论文

【摘要】：本文基于目前我国相互保险发展缓慢及网络互助平台存在的风险,提出一种转变模式,即发展网络相互保险。并使用精算模型对目前的网络互助平台产品进行风险定价,希望能为未来发展网络相互保险定价提供参考。现阶段的网络互助平台是商业健康险及社保的一个有力补充,正处于萌芽阶段。因此本文的研究可以为网络互助平台发展提供规范化、合理化的模式,以及定价作决策参考。为更多的低收入人群谋求利益,更好地完善我国社会保障体系。首先对相互保险和网络互助平台的涵义及其发展情况进行概述,然后分别将相互保险与股份制保险公司、网络互助平台与股份制保险公司、网络互助平台与相互保险进行系统比较。综合对比分析得出发展网络相互保险的优势。接着从理论角度分析互联网平台以及相互保险的优势所在。接着详细介绍了目前的网络互助平台存在的问题,主要着重于对其偿付能力、运行模式和会员稳定数量的分析。在分析的基础上提出了本文的研究重点—网络互助平台转变为网络相互保险公司,先从重大疾病的发生率现状和目前商业重疾险的局限性入手,分析应用这种模式的必要性和优势。由于现阶段的网络互助平台是没有经过风险定价的,而对于发展网络相互保险这种模式来说,需要给产品进行风险定价,所以本文给出了基于金融产品定价原理的精算模型,分别概述了模型的基本概念、原理、依据,再结合水滴互助官网上的中青年抗癌计划,编程计算出这类平台产品不同年龄需要的年缴费用,结论是发展为网络相互保险后,产品所需的年缴费用比商业重疾险便宜很多。接着在产品有价格优势的基础上分析了发展网络相互保险的可行性,主要分析了四个方面,即会员数量及初始运营资金、组织结构及运营模式、相互保险牌照的获取、盈利模式及平台信息披露,这些分析说明了其发展是可行的。最后分别从内外部对发展网络相互保险提出了建议。
[Abstract]:Based on the current slow development of mutual insurance in China and the risks of network mutual assistance platform, this paper proposes a transformation model. Namely, develop network mutual insurance, and use actuarial model to carry on the risk pricing to the current network mutual aid platform product. Hope to provide a reference for the future development of network mutual insurance pricing. At this stage, the network mutual assistance platform is a strong supplement to commercial health insurance and social security. Therefore, the research in this paper can provide a standardized, rational model for the development of network mutual aid platform, as well as pricing for decision-making reference, and for more low-income people to seek benefits. Improve our social security system better. First of all, the mutual insurance and network mutual assistance platform and its development are summarized, and then mutual insurance and joint-stock insurance companies will be respectively. Network mutual aid platform and joint-stock insurance company. The advantages of developing network mutual insurance are obtained through comprehensive comparative analysis. Then, the advantages of internet platform and mutual insurance are analyzed from the angle of theory. Then the advantages of internet platform and mutual insurance are introduced in detail. The problems existing in the current network mutual aid platform are also discussed. It mainly focuses on the analysis of solvency, operation mode and the number of members. On the basis of the analysis, it puts forward the research focus of this paper-the transformation of network mutual help platform into network mutual insurance company. First, from the incidence of major diseases and the limitations of the current commercial risk analysis of the necessity and advantages of the application of this model, because at this stage of the network mutual aid platform is not through the risk pricing. For the development of network mutual insurance model, we need to price the risk of the product, so this paper gives the actuarial model based on the pricing principle of financial products, and summarizes the basic concepts and principles of the model. According to, combined with the anti-cancer plan of young and middle-aged people on the Shuidai Mutual official website, the annual fees required by the products of this kind of platform for different ages are programmed and calculated, and the conclusion is that after the development of network mutual insurance. The annual cost of the product is much cheaper than the commercial heavy health insurance. Then the feasibility of developing network mutual insurance is analyzed on the basis of the price advantage of the product. Four aspects are mainly analyzed. That is, the number of members and initial operating funds, organizational structure and operation mode, the acquisition of mutual insurance licences, profit model and platform information disclosure. These analyses show that its development is feasible. Finally, some suggestions are put forward for the development of network mutual insurance from the internal and external aspects.
【学位授予单位】：浙江工商大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.6

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