共享单车发展过程中的风险与保险

2016年以来,共享单车作为新兴的出行方式快速发展,其运营及使用中蕴含的风险逐渐显露,引发了新的保险需求和契机。共享单车用户主要面临信息泄露风险、资金风险和人身安全风险,而共享单车运营企业则面临财产损失风险和责任风险。针对上述多样化风险,目前市场上的保险产品供给仍不足,保险公司应把握产品开发契机,探索克服道德风险高、权责关系不明确等方面的阻力,完善保险在共享单车中的合作模式与角色定位。

Bike--sharing has been booming rapidly in China since 2016. With the development of this emerging means of transportation, relevant risks have been exposed gradually, resulting in new in- surance demands and opportunities. Bike- sharing users are faced with information leakage risk, financial risk and personal safety risk, while bike--sharing operators are faced with property risk and li- ability risk. In view of the above diversified risks, the supply of insurance products on the market is still insufficient. In this way, insurance companies should grasp the opportunities of product development as well as take efforts to overcome the obstacles of moral hazard problem and the unclear relationship be- tween rights and responsibilities, and to clarify the role and cooperation mode of insurance in bike--sha- ring.