A few days ago, Baidu denghuo mutual aid announced that due to the participation of less than 500000 members, in order to protect the rights and interests of users, it will terminate the mutual aid program in accordance with the law, and will be offline on September 9. Meanwhile, the mutual aid qualification and sharing obligation will be terminated simultaneously. It is reported that the company has been operating for less than one year since it was launched in November 2019.
Network mutual aid industry white paper data, reflected more intuitive. In 2019, the actual number of participants in Chinas network mutual aid platform is 150 million. Among them, 79.5% of the participants annual income is less than 100000 yuan, 68% of the respondents have no commercial insurance, and 72% of the participants are distributed in the third tier cities and below.
In 2019, Jingdong, Didi, Suning, Qihu 360, meituan and other platforms have successively entered the network mutual aid. According to the white paper on network mutual aid industry, the number will reach 450 million in 2025, covering about 32% of Chinas 1.4 billion population.
However, at present, this industry is in the regulatory blank area, and the corresponding laws and regulations, administrative rules, supervision and inspection lag behind, and some are still blank.
The development of network mutual aid in recent years relies more on the self-discipline of various platforms. The core of network mutual aid management is trust. The more open and transparent it is, the more users can be attracted to join.
But the development of network mutual aid can not only rely on self-discipline.
A senior financial person admitted that in order to realize the standardized development of network mutual aid, first of all, regulatory policies should keep up with each other, and there should be certain provisions in terms of access, exit, punishment and operation norms, but regulatory policies often lag behind innovation. Network mutual aid itself belongs to an innovative mode, and involves many aspects, so it is difficult to supervise.
Previously, Zhong Cheng, CO CEO of easygoing group, said frankly that the Internet has brought new vitality to the old risk management model of mutual aid, but it also brings risks. The boundary, organizational form, operation, capital security, membership rights and interests and protection of network mutual aid need to have clear regulations, and can not be allowed to grow savagely.
Shen Peng, founder of shuidi mutual aid, said that network mutual aid is not insurance, nor public welfare, but mutual protection among members. The most important thing is to provide users with low threshold protection. In case of serious illness or accident, they can get a mutual aid fund. At the same time, there are some attributes of Internet financial services. Experts and scholars have also made many suggestions on which department should supervise the network mutual aid.
(author: Li Zhihong, editor: Zeng Fang)
Source: responsible editor of 21st century economic report: Wang Fengzhi_ NT2541