摘要
在国家"大众创业、万众创新"的政策指引之下,基于移动互联网等方式的创新创业蓬勃兴起,新模式、新业态在中国不断涌现。笔者在分析共享经济背景下社会组织结构变革的基础上,提出众筹是共享经济的重要果实,从而进一步揭示了基于共享经济的中国式众筹的发展状况,并从相互保险公司的不同发展阶段阐述了众筹相互保险作为一种崭新的业态产生的现实价值和意义。最后对众筹相互保险的未来发展的特点及发展趋势进行了梳理,并从政府层面提出相应的对策建议。众筹相互保险创新不仅将引领互联网金融大变革,其影响力不局限于经济领域,而是一场由新经济时代所有参与者推动的、全面的经济、社会和文化改革,其影响范围、深度和广度都具有划时代的意义。
Under the guidance of ＂Mass entrepreneurship and innovation＂policy,many Internet-based start-ups are springing up vigorously in current China. Meanwhile,new business patterns and formats also come forth continuously. Based on the comprehensive analysis of great changes in social organization and structure,the author concludes that crowd-funding is an important achievement of sharing economy and then explains the development of it in China specifically. Furthermore,this paper also reveals the practical value and significance of mutual insurance which is a new mode based on crowd-funding after expatiating different development periods of mutual insurance companies. Lastly,the author teases out future patterns and trends of crowd-funding mutual insurance and makes some policy recommendations from the perspective of government.Mutual insurance based on crowd-funding will not only lead to the Internet finance reform,but also an overall reform of economy,politics and culture pushed by all participants in new economic era. Its influence will not be limited to the economic field either whose scope,depth and breadth will have epoch-making significance.
出处
《中央财经大学学报》
CSSCI
北大核心
2016年第4期35-41,共7页
Journal of Central University of Finance & Economics
基金
中国保监会2014年度部级研究课题"移动互联时代互助保险与众筹模式比较研究"(课题编号:2014-15)
关键词
共享经济
众筹
相互保险
Sharing economy
Mutual insurance
Crowd-funding
