Regulatory Dilemmas And Path Selections Of Similar Insurance Network Mutual Assistance

With the development of Internet technology,the “Similar Insurance Network Mutual Assistance” operated by internet technology is rising rapidly,and it is generally referred to as "network mutual assistance".At present,network mutual assistance is mainly used to provide protection for health problems such as major diseases and accidental injuries.This model is not only highly integrated with the connotation of sharing economy,but also timely meets the security needs of high-risk society.In addition,it is closely consistent with the national policies of supporting mutual insurance and promoting Healthy China strategy,so it has great market development potential.Today,network mutual assistance has a standard mutual assistance business,a stable operating model,and considerable economies of scale.However,it still faces regulatory problems such as unknown legal status,unknown regulatory ownership,unclear risk characteristics,and unclear regulatory attitudes.With the increasing number and scope of network mutual assistance members,it is necessary to conduct a comprehensive review of the development profile,operating model,nature definition,and risk characteristics of the model,which provides a strong basis for solving the regulatory dilemma of this model and promotes the sustainable development of the industry.The paper selects internet mutual assistance as the research object,and uses insurance principles,insurance law,and fintech supervision theory to conduct research.It also hopes to carry out a systematic analysis of the status and problems of the supervision of network mutual assistance,and finally make recommendations for the supervision of network mutual assistance.This paper is mainly divided into four parts:the first and second chapters clarify the research basis,analyze the background and significance of developing network mutual assistance,and sort out related concepts and theories needed for the article;the third chapter presents the industry regulatory issues that need to be addressed,and explores the root causes of this issue by analyzing the industry profile and regulatory status;the fourth and fifth chapters analyze the nature and risks of network mutual assistance,and draw on international experience to provide useful references and strong basis for solving regulatory issues;The sixth chapter proposes the supervision path and system design of network mutual assistance from the two dimensions of general thinking principles and specific implementation links.The supervision of network mutual assistance is a hot and difficult issue in the current industry development.This paper considers that network mutual assistance is a mutual insurance in a broad sense,and it has legal risks,business risks and moral risks.We should learn from the international experience of relevant regulatory theories and insurance models to design a regulatory system for network mutual assistance and provide a useful reference for the future development of the industry.