Research On The Development Of Shared Bicycle Insurance In China

According to the 2017 Beijing tsinghua with scale planning design and research institute and the bike jointly issued "Shared cycling and urban development,the white paper",according to data from the Shared cycling has entered more than 50 cities at home and abroad,the travel distance more of 2.5 billion km,save the equivalent of 600000 sets of the school district room area,completely changed the traditional mode of travel,people realize the concept of green development and sharing of the people's society.With the rise of mobile Internet and sharing economy,Shared bicycle has entered people's life.It provides convenience for public transportation and is of great significance for solving the "last kilometer" of public transportation and alleviating environmental pressure.However,the development of Shared bicycle also brings many problems,such as frequent accidents of Shared bicycle,but the relevant insurance is very backward.This paper mainly studies the insurance problems of Shared bicycles in China.Taking the first death accident of Shared bicycles in Shanghai as an example,the paper can be divided into five parts.The first part is the introduction,which mainly describes the research background,research significance,research content,research methods,as well as the innovation and shortcomings of this paper.The second part is the definition of related concepts,specifically introducing related concepts and relevant theoretical content such as Shared bicycle,Shared bicycle insurance and profit model analysis of Shared bicycle.The third part is the case introduction and analysis.Taking the first death accident of Shared bicycle as the research case,this part makes an in-depth analysis and discussion of the case,analyzes the social impact caused by the first death accident of Shared bicycle,and thus leads to the necessity of innovative Shared bicycle insurance.The fourth part of our Shared cycling risk present situation and problems,based on the analysis of the case,first has analyzed our country Shared cycling insurance development present situation,and then probes into the problem of Shared cycling risks in our country,mainly includes risk assessment and complex,very difficult to check and compensate,insurance product homogeneity phenomenon more prominent problems such as linkage mechanism has not been formed and the parties concerned.The last part is the Suggestions and countermeasures for the development of Shared bicycle insurance in China.Based on the understanding of the current situation and problems of Shared bicycle insurance in China,the author puts forward corresponding countermeasures and Suggestions from the perspective of government,enterprises and society.And the future of Shared bicycle insurance in China is prospected.