本文關(guān)鍵詞： 相互保險(xiǎn) 網(wǎng)絡(luò)互助平臺(tái) 網(wǎng)絡(luò)相互保險(xiǎn)公司 定價(jià)模型 可行性　出處：《浙江工商大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：本文基于目前我國(guó)相互保險(xiǎn)發(fā)展緩慢及網(wǎng)絡(luò)互助平臺(tái)存在的風(fēng)險(xiǎn),提出一種轉(zhuǎn)變模式,即發(fā)展網(wǎng)絡(luò)相互保險(xiǎn)。并使用精算模型對(duì)目前的網(wǎng)絡(luò)互助平臺(tái)產(chǎn)品進(jìn)行風(fēng)險(xiǎn)定價(jià),希望能為未來(lái)發(fā)展網(wǎng)絡(luò)相互保險(xiǎn)定價(jià)提供參考�，F(xiàn)階段的網(wǎng)絡(luò)互助平臺(tái)是商業(yè)健康險(xiǎn)及社保的一個(gè)有力補(bǔ)充,正處于萌芽階段。因此本文的研究可以為網(wǎng)絡(luò)互助平臺(tái)發(fā)展提供規(guī)范化、合理化的模式,以及定價(jià)作決策參考。為更多的低收入人群謀求利益,更好地完善我國(guó)社會(huì)保障體系。首先對(duì)相互保險(xiǎn)和網(wǎng)絡(luò)互助平臺(tái)的涵義及其發(fā)展情況進(jìn)行概述,然后分別將相互保險(xiǎn)與股份制保險(xiǎn)公司、網(wǎng)絡(luò)互助平臺(tái)與股份制保險(xiǎn)公司、網(wǎng)絡(luò)互助平臺(tái)與相互保險(xiǎn)進(jìn)行系統(tǒng)比較。綜合對(duì)比分析得出發(fā)展網(wǎng)絡(luò)相互保險(xiǎn)的優(yōu)勢(shì)。接著從理論角度分析互聯(lián)網(wǎng)平臺(tái)以及相互保險(xiǎn)的優(yōu)勢(shì)所在。接著詳細(xì)介紹了目前的網(wǎng)絡(luò)互助平臺(tái)存在的問(wèn)題,主要著重于對(duì)其償付能力、運(yùn)行模式和會(huì)員穩(wěn)定數(shù)量的分析。在分析的基礎(chǔ)上提出了本文的研究重點(diǎn)—網(wǎng)絡(luò)互助平臺(tái)轉(zhuǎn)變?yōu)榫W(wǎng)絡(luò)相互保險(xiǎn)公司,先從重大疾病的發(fā)生率現(xiàn)狀和目前商業(yè)重疾險(xiǎn)的局限性入手,分析應(yīng)用這種模式的必要性和優(yōu)勢(shì)。由于現(xiàn)階段的網(wǎng)絡(luò)互助平臺(tái)是沒(méi)有經(jīng)過(guò)風(fēng)險(xiǎn)定價(jià)的,而對(duì)于發(fā)展網(wǎng)絡(luò)相互保險(xiǎn)這種模式來(lái)說(shuō),需要給產(chǎn)品進(jìn)行風(fēng)險(xiǎn)定價(jià),所以本文給出了基于金融產(chǎn)品定價(jià)原理的精算模型,分別概述了模型的基本概念、原理、依據(jù),再結(jié)合水滴互助官網(wǎng)上的中青年抗癌計(jì)劃,編程計(jì)算出這類(lèi)平臺(tái)產(chǎn)品不同年齡需要的年繳費(fèi)用,結(jié)論是發(fā)展為網(wǎng)絡(luò)相互保險(xiǎn)后,產(chǎn)品所需的年繳費(fèi)用比商業(yè)重疾險(xiǎn)便宜很多。接著在產(chǎn)品有價(jià)格優(yōu)勢(shì)的基礎(chǔ)上分析了發(fā)展網(wǎng)絡(luò)相互保險(xiǎn)的可行性,主要分析了四個(gè)方面,即會(huì)員數(shù)量及初始運(yùn)營(yíng)資金、組織結(jié)構(gòu)及運(yùn)營(yíng)模式、相互保險(xiǎn)牌照的獲取、盈利模式及平臺(tái)信息披露,這些分析說(shuō)明了其發(fā)展是可行的。最后分別從內(nèi)外部對(duì)發(fā)展網(wǎng)絡(luò)相互保險(xiǎn)提出了建議。
[Abstract]:Based on the current slow development of mutual insurance in China and the risks of network mutual assistance platform, this paper proposes a transformation model. Namely, develop network mutual insurance, and use actuarial model to carry on the risk pricing to the current network mutual aid platform product. Hope to provide a reference for the future development of network mutual insurance pricing. At this stage, the network mutual assistance platform is a strong supplement to commercial health insurance and social security. Therefore, the research in this paper can provide a standardized, rational model for the development of network mutual aid platform, as well as pricing for decision-making reference, and for more low-income people to seek benefits. Improve our social security system better. First of all, the mutual insurance and network mutual assistance platform and its development are summarized, and then mutual insurance and joint-stock insurance companies will be respectively. Network mutual aid platform and joint-stock insurance company. The advantages of developing network mutual insurance are obtained through comprehensive comparative analysis. Then, the advantages of internet platform and mutual insurance are analyzed from the angle of theory. Then the advantages of internet platform and mutual insurance are introduced in detail. The problems existing in the current network mutual aid platform are also discussed. It mainly focuses on the analysis of solvency, operation mode and the number of members. On the basis of the analysis, it puts forward the research focus of this paper-the transformation of network mutual help platform into network mutual insurance company. First, from the incidence of major diseases and the limitations of the current commercial risk analysis of the necessity and advantages of the application of this model, because at this stage of the network mutual aid platform is not through the risk pricing. For the development of network mutual insurance model, we need to price the risk of the product, so this paper gives the actuarial model based on the pricing principle of financial products, and summarizes the basic concepts and principles of the model. According to, combined with the anti-cancer plan of young and middle-aged people on the Shuidai Mutual official website, the annual fees required by the products of this kind of platform for different ages are programmed and calculated, and the conclusion is that after the development of network mutual insurance. The annual cost of the product is much cheaper than the commercial heavy health insurance. Then the feasibility of developing network mutual insurance is analyzed on the basis of the price advantage of the product. Four aspects are mainly analyzed. That is, the number of members and initial operating funds, organizational structure and operation mode, the acquisition of mutual insurance licences, profit model and platform information disclosure. These analyses show that its development is feasible. Finally, some suggestions are put forward for the development of network mutual insurance from the internal and external aspects.
【學(xué)位授予單位】：浙江工商大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F842.6

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