網絡互助之運作及發展探討 -以中國大陸「相互保」與「相互寶」為例

Abstract

本文從網絡互助之運營模式及經營模式角度分析，發現網絡互助屬「平台化經營 風險分散機制」。本文藉助中國大陸螞蟻金服之「相互保」產品探討網絡互助在保險業 之應用，研究其對於保險業的衝擊。透過中國大陸「相互保」及「相互寶」案例，發現 網絡互助平台在經營網絡互助計劃時有實質經營保險之問題，且保險公司有結合平台 化經營風險分散機制的可能。由於保險公司平台化經營風險分散機制有利於發展保險 市場，同時有利於降低網絡互助對保險業之衝擊。故本文建議保險監理機關開放保險 公司擴大經營範圍，允許保險公司進行平台化經營風險分散機制。

From the perspective of online mutual aid operation and business model, we found out that online mutual aid is a platform-based risk sharing mechanism which is more open and inclusive than insurance. Take “XIANGHUBAO”, product of mutual insurance launched by Ant Financial Services Group, as an example, we could see how it puts online mutual aid into practice and impacts the insurance industry. The success of mutual insurance “XIANGHUBAO” and online mutual aid “XIANGHUBAO” demonstrated that insurance company could apply platform-based risk sharing mechanism for increasing its market share and minimizing the impact from online mutual aid. Therefore, regulator should allow insurance companies to enter platform-based risk sharing mechanism