商务英语-分析支付宝相互宝的运营模式及其对我国保险业的影响.pdfVIP

分析支付宝相互宝的运营模式及其对我国保险业的 影响 摘要：2018 年 10 月 16 日，支付宝与信美人寿相互保险社在支付宝蚂蚁保险平台合作并共 同推出了一款重大疾病保障产品——相互保。但在在多次被银保监会约谈之后，信美人寿宣 布支付宝平台中的 “相互保”下架，升级为 “相互宝”，正式成为网络互助计划。尽管这款 产品被官方澄清并不是相互保险，但它作为相互保险的初衷吸引了大众的目光，发售仅 41 天，就拥有 2000 万用户。“相互宝”的横空出世值得引起我们思考。 本文主要通过分析“相互宝”这个产品，产品本身有什么需要改进的地方，来论证其对 我国保险行业的影响，我国保险行业是否需要新鲜血液、是否需要降低门槛等问题。 关键词：相互宝；中国保险业；网络互助计划；相互保险 ii An Analysis of the Operation Mode of Alipay Mutual Treasure and Its Impact on China’s Insurance Industry Abstract On October 16, 2018, Alipay and Trust Mutual Life Insurance Company cooperated and jointly launched a mutual insurance product for serious diseases. However, on November 27, after many interviews with China Banking and Insurance Regulatory Commission, Trust Mutual Life Insurance Company announced that the mutual insurance on the Alipay platform was taken down and would upgrade to “mutual treasure”, becoming a network mutual assistance project. Although the product was officially clarified that it is not a mutual insurance product, its original intention as mutual insurance attracted the publics attention. It sold for only 41 days and had 20 million users. The emergence of Alipay mutual treasure is worthy of thinking. This article mainly analyzes the Alipay mutual treasure and whether the product itself has some areas for improvement to demonstrate its impacts on Chinas insurance industry, whether Chinas insurance industry needs fresh blood and it needs to lower the threshold and other issues or not. Key words: Alibaba; China’s insurance industry; Network mutual assistance; Mutual insurance iii Acknowledgements