基于区块链技术的类保险网络互助平台发展现状及其体系构建

Developing Status and System Construction of Crowd Funding Insurance System Based on Blockchain Technology

金融科技不仅仅是互联网金融的升级,以区块链技术为代表的数字科技将对产业产生颠覆性影响。因此,讨论区块链技术对保险业的创新驱动,应立足于当前业务的具体实践和业务局限。文章聚焦于保险领域中的一种创新模式:类保险网络互助。该模式因其体现出的普惠性而受到日益广泛的关注。大数据和区块链技术已在类保险网络互助中得到初步运用,并受到一致推崇,但当前区块链技术和类保险互助场景结合依然处于萌芽阶段。文章透过对互助保险的理论机制探讨,考察我国类保险网络互助典型案例,论述区块链技术在其中不可替代的作用,并在此基础上,结合该领域市场现状和运营模式,探析进一步发展面临的问题和启示,从而提出基于区块链的互助保险一体化系统构想。

Fintech is not only the upgrade of internet finance,digital technology represented by blockchain technology will have a disruptive impact on the industry.So,the discussion of the innovation drive of blockchain technology to the insurance industry should be based on specific business practices and limitations.The paper focuses on an innovative model:crowd funding insurance,which has attracted more attention because of its universality.Big data technology and blockchain have begun to be applied in crowd funding platforms,and be accepted with high esteem.However,the combination of block chains and crowd funding insurance still in its infancy.The paper discusses the theory of mutual insurance,analyzes a typical case of mutual funding on medical costs through internet,and explains the irreplaceable role blockchain technology plays in it.On this basis,the paper explores the problems and enlightenment we are facing for further development based on the market situation and operation mode,and then puts forward the conception of mutual insurance integration system based on blockchain.