| In recent years,with the practice of nine-year compulsory education and the increasing gross enrollment rate of higher education,the development of China’s education industry has stepped into a new stage.The number of students and the scale of running schools owned by all kinds of colleges and universities are expanding day by day.In 2018,the number of college students in China alone reached 38.33 million,and accidents are more likely to happen to them.The occurrence of campus accidents tends to trigger disputes between schools and parents,which will seriously damage the normal operation of the education system and cause huge risks.To implement the overall risk management of education industry,the education system of Jiangxi province has carried out the risk management work with education insurance as the main mode.Education insurance helps build a safe and harmonious campus and promote the protection of the students’ legitimate interests by ensuring the personal safety of students,dispersing the security risks on campus and maintaining the order of campus.But at the same time,in the process of risk management of education industry,education insurance still has a lot of problems,such as an excess of participants,illegal competition,illegal extra fees,concealing of bills,unauthorized outlay out of premium,lack of insurance contract,and inconsistent compensation standards,resulting in a market disorder in the education insurance industry.In 2017,with the application and promotion of high technologies in the insurance industry,big data,blockchain,artificial intelligence and other technologies have been more widely penetrated into the insurance business.The proposal of the concept “technology enables insurance industry” has become an important starting point for the high-quality transformation and development of insurance industry.The operation of insurance value chain supported by insurance technology is more conducive to risk management,cost reduction and efficiency improvement in the insurance industry.Since then,insurance technology began to reconstruct the risk management mode of the whole industry,and actively ensure the stable operation of all walks of life.In this process,Jiangxi Education Insurance Platform constructed with insurance technologies came into being.Since its implementation for more than two years,Jiangxi Education Insurance Platform has made great achievements by optimizing the insurance scheme with the insurance technologies,standardizing the access mechanism of online insurance institutions and standardizing the use of donated funds for education,and effectively solved the problem of "no grasp in management,no basis in decisionmaking" in the education risk management industry of Jiangxi province.At present,the research on the technology application in the insurance industry in China covers a wide range,but the relevant research on some specific industries is not profound enough and has lagged behind the practical development.To solve the management chaos in China’s education insurance industry,it is a very important research topic to study how to solve the problems existing in the risk management of education industry by means of insurance technology.This paper selects Jiangxi Education Insurance Platform,a typical example of insurance technology in the application of risk management in the education industry,as a research case.Through actual participation in the implementation project of Jiangxi Education Insurance Platform,the writer has obtained first-hand internal information of the company and sorted out the data.By analyzing the operation mode,implementation effect and existing problems,this paper sums up the successful experience of insurance science and technology in helping education industry risk management,and explores the way to truly fit the education industry risk management in Jiangxi province,so as to reach a feasible solution that can be implemented,copied and popularized.This paper is divided into five parts.The first part is the introduction,which describes the background,significance,structure and innovation of the thesis;the second part summarizes the current situation of risk management in China’s education industry,and aims to let the readers have a basic understanding of the general situation and characteristics of the risk management development in the education industry;the third part is to elaborate the background of the establishment of the platform and the general situation of the participants of the platform,analyze the implementation path of using modern technology means such as insurance technology to manage the risks of education industry,and make a detailed overview of the risk management mode in the education industry with insurance technologies;the fourth part is the case analysis of Jiangxi Education Insurance Platform,which detailed analyze the Jiangxi Education Insurance Platform from three aspects,namely operation mode,implementation effect and existing problems in the risk management of education industry;the fifth part is the summary and sublimation of the paper,which concludes the case study.First,Jiangxi Education Insurance Platform,by means of insurance technologies,strengthens the risk management ability of the education industry by integrating risk management resources,thus to effectively respond to the risks of the education industry;secondly,the ecologicalization and digitalization of education insurance can effectively reduce information asymmetry,improve insurance underwriting efficiency and lower insurance marginal cost;third,the insurance agencies have cultivated a win-win cooperative relationship with the insurance companies through the Jiangxi Education Insurance Platform,which is conducive to the data exchange,resource sharing,collaborative growth and eventually realizes the value co-creation;finally,based on the previous chapters,this paper analyzes how to deal with the existing problems of Jiangxi Education Insurance Platform in the process of education industry risk management,and puts forward policy recommendations. |
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