网络互助行为的风险与监管—以“相互保”为例.docVIP

网络互助行为的风险与监管—以“相互保”为例 摘要：自2011年以来，网络互助行业先后经历了萌芽期、震荡期、到现在的发展期，各个网络互助平台的融资遭受打击，互助行业监管逐渐严紧。与此同时，各家平台也在营业方式、产品类别上进行新的创新。以支付宝为代表的互联网巨头开始入局，于2018年10月推出相互保，迅速拓展市场。 本文首先分析了中国网络互助行业发展历程和研究“网络互助行为的风险与监管”的意义，然后从我国网络互助行为的发展现状出发，分析相互保所存在的问题和风险。最后针对相互保存在的问题及风险，提出解决这些问题相应可行的建议，以期待能对相互保等网络互助行为的健康发展起到一定的推动作用。 关键词：网络互助，相互保，风险，监管措施  The risk and supervision of network mutual assistance -- Taking mutual insurance as an example Abstract: Since 2011, the network mutual assistance industry has experienced a budding period, a turbulent period, and a period of development. The financing capabilities of various network mutual assistance industry platforms have encountered difficulties, and mutual assistance industry supervision has gradually tightened. At the same time, various platforms are also making new innovations in business methods and product categories. The Internet giant represented by Alipay started to enter the market and launched mutual insurance in October 2018 to rapidly expand the market. This article first analyzes the development process of Chinas network mutual assistance industry and studies the significance of the risk and supervision of network mutual assistance behavior, then analyzes the problems and risks of mutual protection from the current development of Chinas network mutual assistance behavior. At last, aiming at each others problems and risks, we put forward corresponding feasible suggestions to solve these problems, in order to play a role in promoting the healthy development of mutual protection and other network mutual assistance behaviors. Key words: Network Mutual Assistance, Mutual Insurance, Risk, Supervisory Measures  目 录 TOC \o 1-3 \h \u 第1章 绪论 1 1.1. 研究背景和意义 1 1.1.1. 中国网络互助行业发展历程背景 1 1.1.2. 本课题的研究意义 1 1.2. 文献综述 2 1.2.1. 国内研究 2 1.2.2. 国外研究 3 1.3. 课题研究方法和内容 3 1.3.1. 研究方法 3 1.3.2. 研究内容 4 第2章 我国网络互助行为的发展现状 5 2.1. 产品具有巨大的吸引力 5 2.2. 大部分平台都是由第三方进行资金托管 5 2.3. 平台的反欺诈能力有待提高 6 第3章 我国网络互助行为的案例介绍-相互保 7 3.1. 投保要求