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本文基于文献检索和访谈调研,对网络互助平台的上线时间、用户数量、互助案例等方面的情况进行了统计。在网络互助平台自我属性定位和监管部门风险提示的基础上,根据我国《保险法》等法律和行政法规,提出网络互助行业应纳入互联网金融体系,作为一种互助性经济组织纳入保险监管体系。
Based on the literature search and interviews, this paper makes statistics on the online time, number of users and mutual assistance cases of the network mutual aid platform. On the basis of self-attribute positioning of network mutual-aid platform and risk warning of regulatory authorities, according to the laws and administrative regulations such as “Insurance Law” in our country, it is suggested that the Internet-based mutual aid industry should be integrated into the Internet financial system and incorporated into the insurance regulatory system as a kind of mutual-aid economic organization.