Research On Legal Regulation Path Of Internet Mutual Aid Scheme

Under the background of financial innovation and the rapid development of the Internet,a large number of new business formats have emerged,and the internet mutual aid scheme is one of them.Judging from the business essence of the internet mutual aid scheme,it is not only an Internet finance innovation format,but also an important supplement to Chinese medical security system.After nearly ten years of development,while the internet mutual aid scheme has gradually grown,it has also exposed many risks.At present,because the relevant laws and regulations do not clearly define the nature of the internet mutual aid scheme,it is not subject to the supervision of the China Banking and Insurance Regulatory Commission,and its risk prevention mainly relies on platform self-discipline and private law autonomy,and there is a regulatory vacuum.At the same time,in judicial practice,there are also inconsistencies in applicable laws.In order to protect the legitimate rights and interests of members of internet mutual aid scheme and promote the sustainable and compliant development of the internet mutual aid industry,this article selects 9 mainstream internet mutual aid platforms to analyze their operation status.After a comprehensive understanding of the potential risks currently faced by the internet mutual aid scheme,from the perspective of regulation theory,we could establish a comprehensive and reasonable internet mutual aid scheme regulation system with the clear regulation subject as the core.