相互宝的现状分析及未来发展

Analysis of Current Situation and Future Development of Mutual Treasures

以蚂蚁金服与信美人寿联合成立的相互保为代表的相互保险产品,历经41天即夭折。取而代之的是蚂蚁金服单独负责的大病网络互助计划——相互宝。本文对相互宝从起源、现状以及发展障碍进行研究,发现相互宝以极低的加入门槛和公开的赔审机制,实现了对传统保险业务的改进。同时也发现相互宝受到我国不健全的法律体系以及刚性兑付的制约。最后对相互宝进行未来展望,建议其借鉴传统保险公司和互联网技术公司的优势,以及通过开展老年保险业务和开通爱心筹款通道来应对现有的痛点。以期为相互宝在我国的发展探寻出路。

The mutual insurance products represented by mutual insurance, jointly established by Ant Financial and Xinmei Life Insurance, was taken down after 41 days. Instead, Ant Financial is responsible for the major disease network mutual aid program - mutual insurance. This paper studies the origin, status quo and development obstacles of mutual insurance, and finds that Mutual insurance has improved the traditional insurance business with a very low entry threshold and an open compensation mechanism. At the same time, it is also found that mutual insurance is restricted by China's unsound legal system and rigid redemption. Finally, the prospect of mutual insurance is explored and it is suggested to address the existing pain points by learning from the advantages of traditional insurance companies and Internet technology companies, developing the old-age insurance business and opening a charity fund-raising channel, so as to explore the way out for the development of mutual insurance in China.