Question 2: What is a network mutual assistance platform? Network mutual assistance is actually a variant of foreign mutual insurance (or mutual insurance) in China. It has inherited some characteristics of mutual insurance model, such as organizational form and management methods, and made some changes according to the characteristics of China insurance market and the current regulatory environment. Therefore, to answer this question, we have to look at it from two aspects. The first is mutual insurance, and the second is network mutual assistance.
Mutual insurance is a group of people who have the same requirements and face the same risks, voluntarily organize themselves, define the rules of risk compensation, and pay the risk compensation and share the funds in advance to protect the risk loss of each participant. This is the embryonic form of modern insurance, which originated in Europe in the17th century. Workers who are faced with huge labor risks but can't get compensation spontaneously organize to set up mutual insurance companies, and then gradually evolve into the form of mutual insurance companies.
Compared with Ping An, China Life Insurance, Anbang and other joint-stock commercial insurance companies, mutual insurance has two remarkable characteristics:
The first is that the insured, that is, the shareholders, have the ownership, management and supervision over the company, and all the premiums paid should be used for risk protection, and the income generated by the premium funds should also be owned by all the insured.
The second is the homogeneous risk protection of similar people. Due to the similarity, the insured has a higher degree of mutual recognition and loyalty to mutual insurance organizations or companies, and is willing to participate for a long time. On the other hand, for commercial insurance, because of unprofitable or unpredictable risks, such as high-risk groups (such as construction cleaners, commonly known as Spider-Man) or uncertain risks (such as sudden natural disasters). Under the mutual insurance mode, it can operate as long as all members agree and make rules.
Therefore, mutual insurance is not only a reliable security model, but also a useful supplement to joint-stock commercial insurance (and social security system), covering some special security needs. This also explains why after more than 400 years of changes, mutual insurance still occupies 27% of the global insurance market, covering nearly 654.38 billion users. Among them, the best, such as Japan Life Mutual Insurance Co., Ltd., Japan's largest life insurance company, ranks first among Japanese life insurance companies for a long time, and its capital scale is three times that of Mitsui Life, Japan's largest commercial life insurance company, and it is also in charge of pension payment in Japan. This shows the importance of mutual insurance in the insurance market of developed countries.
Network mutual assistance is a variant of mutual insurance in China's special national conditions and current special regulatory environment, and it is a phased product. Although the China Insurance Regulatory Commission issued the "Trial Measures for Supervision of Mutual Insurance Organizations" last year, all the provisions are basically determined with reference to foreign mutual insurance models. However, the permit has been delayed. However, some pioneers in China are worried about missing opportunities, so they began to explore in the name of network mutual assistance after improvement. In addition to unlicensed and unregistered insurance companies, their model has the following characteristics:
First: facing the public, not the same kind of people. This expands the user group, which is conducive to the rapid accumulation of users, but loses the characteristics of similar people;
Second: no pre-charge, or a small amount of pre-charge, rather than paying according to the actuarial model. This lowers the threshold for obtaining customers, but the subsequent willingness to pay and retention rate of users will decrease;
Third, major diseases and accidental injuries are the main protection targets. The two are relatively standardized, which is conducive to the risk control of mutual assistance platforms. However, the flexible guarantee of mutual insurance has not yet been brought into play.
Tongxin Society, the first application project of blockchain technology in China, is an open mutual information service platform. It was founded by Yang Yongzhi, the founder of Dolphin Browser, and Yu Zhou, the partner. Initiated and operated by Beijing Abbott Technology Co., Ltd., headquartered in Beijing, China.
Question 3: What are the well-known network mutual assistance platforms? First: B2B or?
Second: What kind of classification?
I hope I can help you.
Question 4: Is the network mutual aid platform true or false? It's true that network mutual assistance is actually a variant of foreign mutual insurance (or mutual insurance) in China. It has inherited some characteristics of mutual insurance model, such as organizational form and management methods, and made some changes according to the characteristics of China insurance market and the current regulatory environment.
Although the China Insurance Regulatory Commission issued the "Trial Measures for Supervision of Mutual Insurance Organizations" last year, all the provisions are basically determined with reference to foreign mutual insurance models. However, the permit has been delayed. However, some pioneers in China are worried about missing opportunities, so they began to explore in the name of network mutual assistance after improvement.
At present, Tongxin Society, a network mutual aid platform with blockchain technology, has appeared in China, and the latest technology has been applied to solve the shortcomings of non-disclosure and opacity of the network mutual aid platform.
Question 5: What kind of platform are you talking about? There are many platforms on the Internet.
Question 6: By the way, what Internet mutual assistance platforms are there? You mean social security, right? It feels good to help each other. You can get 300,000 social security for 9 yuan. Let you have no worries.
Question 7: Which network mutual assistance platforms are more reliable? At present, the top ten online mutual assistance with 50 points are: Water Drop Mutual Assistance, 17 Mutual Assistance, Concentric Mutual Assistance, Quark Alliance (named by the China Insurance Regulatory Commission), Gecko Mutual Assistance, Anti-cancer Commune, E Mutual Assistance, Zebra Club, National Bodyguard and Public Help.
Question 8: There are many online mutual help platforms, which one should I choose? Give you some advice.
Question 9: What are the mutual help platforms for network diseases? Concentric Mutual Assistance is the first network mutual assistance platform adopting blockchain technology in China. With the help of blockchain technology, decentralized information sharing will be realized, comprehensive and transparent operation will be realized through innovation, and a fair, just, open, safe and efficient open mutual information service platform will be built for the public.
Question 10: What are the advantages of the network mutual assistance platform? The advantage of concentric mutual assistance network mutual assistance platform is that it is the first network mutual assistance platform with blockchain technology as the core in China. Let me introduce the advantages and disadvantages of the network mutual assistance platform and what benefits can be brought by applying blockchain technology.
Advantages and disadvantages of network mutual assistance platform:
Advantages of network mutual assistance
With the help of efficient information matching ability, convenient payment service and low entry threshold, network mutual assistance has the ability to gather a large number of members in a short time.
? low cost
It is at least 50%~80% cheaper than the traditional guarantee scheme.
? High participation
The value provided by network mutual assistance is easily accepted by users.
? Flexible guarantee
The products are flexible and diverse, and mutual aid products can be launched for all kinds of people.
Disadvantages of network mutual assistance
? Opaque operation
There may be problems such as fictitious mutual assistance events on the platform to extract user funds.
? User privacy
The general carrier of the network mutual aid platform is a technology company, which lacks supervision and public trust endorsement and is easily questioned.
? Low utilization rate
The payment process is slow
Application of blockchain:
The emergence of blockchain technology provides a solution to these problems. The network mutual assistance application developed based on the blockchain platform can ensure the absolute security of funds, agreements and information to the maximum extent and improve the risk control ability.
? Transparent flow of funds
All the details of capital flow are recorded in the blockchain, and the data cannot be forged or tampered with, so as to ensure the authenticity and validity of the data, which can be viewed and supervised by all regulatory units, public media and ordinary users at any time.
? Rule execution is efficient.
All funds are transferred according to an open tamper-proof smart contract. Once confirmed, it can be implemented accurately, and no one can interfere, misappropriate or interfere artificially, which improves the efficiency of rule implementation.
? User information security
All personal sensitive information is highly encrypted and stored, and no one else can access or steal it unless authorized by the user.
? The service never stops.
Network mutual assistance running on the public chain does not depend on whether a central server is online or not, which can guarantee that the services provided will never stop.