虚拟财产满足使用者的一定需求,使用者通过支付货币或者话费一定劳动时间得到虚拟财产,因此虚拟财产有其价值属性。我国虚拟财产的规模不断扩大,虚拟财产给使用者带来各种便利,同时虚拟财产面临的风险也不断增大,因此虚拟财产保险也应运而生,但其发展面临一系列问题。 Virtual property to meet the needs of users, users pay a certain amount of work time or get money by the virtual property, so the virtual property has its value attribute. As the scale of virtual property in our country expands unceasingly, the virtual property brings various conveniences to the users. At the same time, the risk that the virtual property faces also increases continuously. Therefore, the virtual property insurance also came into being, but its development faces a series of problems.