2011~2020年我国网络互助的性质阐释、风险分析与监管建议

Abstract:With the rapid development of Internet finance and the growth of social security needs，a new type of business model emerged in China—Internet mutual aid. Internet mutual aid has clear practical significance and value in the context of China’s current incomplete social security system，incomplete commercial insurance mechanism，and high-risk social security needs. It is beneficial to establish a sound social security system at different levels. So far，the Internet mutual aid industry has developed a relatively stable operating model and scale benefits，but from the perspective of its future sustainable development，it still faces problems such as unclear legal status，lack of supervision，and high platform operation risks. Therefore，there is an urgent need for the regulatory authorities to quickly introduce regulatory measures or detailed implementation rules，guide the Internet mutual aid platform to further iterate product design，and achieve healthy development of business models on the basis of protecting consumer rights.

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