Research On Mutual Assistance Of Quasi-insurance Networks From The Perspective Of Inclusive Finance: Taking The Road Of Mutual Insurance

In recent years,a network mutual assistance model which is similar to insurance(Insurance-like network mutual assistance model)has grown rapidly in China.This phenomenon attracts great attention from practitioners and regulators.Against this background,this dissertation will firstly discuss the significance of the research on the platform of insurance-like network mutual assistance model,and introduce the overview of the development of such model.Finally,this dissertation will analyse the fit point the development of this model and the main meaning of inclusive finance from the perspective of the concept of inclusive finance which has been reached a high consensus by international sociality,and make a conclusion that the network of mutual aid,mutual insurance and inclusive finance could fully comply with the framework of the long tail theory.To verify the relevant conclusions,an empirical research will be made in the fifth chapter by investigating the willingess of residents to purchase "quasi-insurance network mutual assistance model" through the method of questionnaire.Additionally,The results of the questionnaire would be mathematically analysed with the assistance of SPSS software and the method of logistic regression analysis.Specificly,the main conclusions include:(1)The willingness of Chinese consumers to participate in the insurance-like network mutual assistance model is high;(2)The education background and risk appetite impact the willingness of participation significantly;(3)The government's attitude towards the insurance-like network mutual assistance model is an important factor that affects whether consumers are involved in mutual assistance;(4)The lack of publicity for the insurance-like network mutual assistance model restricts its development seriously at this stage.Accordingly,the dissertation puts forward some preliminary suggestions on the future development and standardization of the insurance-like network mutual assistance model: Regulators should implement appropriate and effective regulations under the ideas of promoting its transformation into mutual insurance;the Publicity and the popularization of risk and insurance awareness shall be enhanced to guide the public to correctly understand the insurance-like network mutual assistance model;To provide a reasonable orbit for the insurance-like network mutual assistance model's fluky development,the government shall give necessary policy supports at the same time.The core opinion of this dissertation would be: fluky development should be gradually incorporated into the mutual insurance,which relatively more conform to the trend and is in line with the actual conditions and pays the least cost.