Following the closure of meituan mutual aid, waterdrop mutual aid, easy mutual aid and other platforms, mutual treasure announced on December 28 that it would stop operation at 24:00 on January 28, 2022. The accumulated mutual aid fund raised was 25.937 billion yuan, and the number of people participating in the apportionment peak exceeded 100 million... The withdrawal of "big man" mutual treasure also means that the online mutual aid industry has completely withdrawn from the historical stage.
Since 2021, the voice of bringing network mutual assistance into regulation has been rising. Subsequently, 10 mutual aid platforms such as meituan mutual aid, easy mutual aid and water drop mutual aid successively announced their shutdown. Mutual treasure is the last large-scale network mutual aid program to announce its shutdown. In fact, the withdrawal of mutual treasure is only a matter of time, which is completely expected by the market.
According to public information, mutual treasure was launched at the end of 2018. In one year, the number of mutual treasure members quickly exceeded 100 million. Among them, nearly 60% of the members come from third tier and below cities. However, in the past year, affected by factors such as changes in the industry environment, the operation of mutual treasure and other network mutual assistance programs has experienced shocks.
The reporter inquired the latest allocation data of mutual treasure and found that in the second phase of mutual aid publicity in December 2021, the total amount of allocation was 555598000 yuan and the number of participants was 74.954 million. According to the announcement of mutual treasure, since the date of the announcement, members will no longer participate in mutual assistance apportionment. The apportionment originally scheduled to be deducted on the announcement date and the two phases of apportionment in January 2022 will be borne by mutual treasure platform.
Guo Jinlong, director of the insurance and economic development research center of the Chinese Academy of Social Sciences, said that for mutual assistance plans with a user scale such as mutual treasure, while doing a good job in follow-up work, it is the most responsible, secure and feasible way to fully consider the continuation of user health security and suggest users to choose a new security scheme independently.
2019 was the peak of the network mutual assistance platform, with more than 100 million people participating. The end of mutual insurance is related to the unsustainable operation of the platform and the standardization and rectification of supervision. It is reported that the profit of the network mutual aid platform mainly comes from the management fee, but it is difficult to help the platform realize profit. Moreover, there have been many disputes and complaints about "difficult claims". Since 2021, the network mutual aid platform has faced the embarrassment of a large number of users losing.
Previously, the Bureau of combating illegal financial activities of the China Banking and Insurance Regulatory Commission published the "analysis and countermeasures and suggestions on illegal commercial insurance activities" on its official website. It pointed out that the number of members of the network mutual assistance platform is huge, which belongs to non licensed operation, and the stakeholder risk can not be ignored. Some pre charging mode platforms form precipitated funds, and there is a running risk. If handled improperly Inadequate management may also lead to social risks.
Many experts have proposed that the network mutual assistance platform should be brought into supervision as soon as possible, and the access standards should be studied as soon as possible to realize licensed operation and legal operation. Today, the industry of network mutual assistance has finally come to an end.
It is undeniable that the network mutual aid platform has solved the needs of some specific groups in medical security. Zhu Minglai, director of the health economy and medical security research center of Nankai University, said that network mutual assistance has the nature of experiment and exploration in China. It has played a certain and phased positive complementary role in addition to the current social security system, and also improved the public security awareness to a certain extent. However, compared with commercial insurance with clear supervision and more mature operation, switching to insurance products is a better choice for users.
(Xinhua Finance)
