The development of e-commerce gradually changes the daily life of residents,not only on the traditional shopping model,but also has becoming an important driving force for China’s economic development,in the process it also has some disputes,which is e-commerce platform returns policy,the focus of the dispute focus on the return of freight.The traditional way to solve the return problem is to use the principle that who is responsible is to bear the return shipping,but this way between the buyers and sellers is border blurred,they would pass the buck to others.So we first introduce the return freight insurance to solve the problem of e-commerce platform returns.In order to verify the rationality and effectiveness of freight insurance,we introduce freight insurance into the newsboy model,using the comparative analysis method,the non-freight insurance market,the seller’s freight insurance market and the buyer’s freight insurance market,e-commerce seller purchase strategy,Consumer surplus,logistics companies,insurance companies and the total social welfare benefits of the situation compared to the lower return rate in the case,the introduction of freight insurance is Pareto invalid.On the basis of the existing freight insurance on the market,we design a two-part freight insurance pricing strategy,comparing the two-way freight insurance pricing strategy of the seller’s freight insurance market,and the two-way freight insurance pricing strategy of the buyer’s freight insurance market.We found that in the case of low return rate of the seller’s freight insurance market,the two-way freight insurance pricing strategy is the improvement of ordinary freight insurance to promote the improvement of the total social welfare level.In the case of high return rate,the total welfare level of the general freight insurance pricing strategy in the buyer’s freight insurance market is the best,and the two-part pricing strategy does not make sense to the improvement of the total social welfare level.Finally,an example is given that the consumer demand is consistent with the normal distribution.The conclusion shows that the introduction of freight insurance is not valid in all cases.In the case of positive demand coefficient,the introduction of freight insurance is effective in Pareto,There is a "market failure" situation in the market that requires a relatively independent public sector. |