我国大病互助众筹发展现状研究【摘要】随着互联网金融的兴起，许多众筹平台横空出世并蓬勃发展，大病互助众筹与商业保险都具有保障风险的作用，常常被相提并论。不可否认，大病互助众筹对于我国商业健康保险发展具有一定借鉴意义。为了摸索出适合我国大病互助众筹发展路径，在查阅相关文献资料后，对比传统商业健康保险对我国大病互助众筹发展现状进行了研究；对大病互助众筹发展现状进行了国际对比分析。通过发展我国大病互助众筹，可以在我国目前发展未完善的医疗保障体系起到一个良好的补充作用。针对我国大病互助众筹现存的发展可持续性低、服务差、赔付慢、用户利益得不到保障等问题，为了我国大病互助众筹能更好发展，建议我国政府立法监管，平台自身加强自我监管，也可以与保险公司合作寻求产品转型。【关键词】 医疗众筹；大病互助；重疾保险；医疗保障体系Research on current development of crowdfunding to help each other in serious illness in China[Abstract] Now is the era of the rapid development of information, with the development of the Internet, the rise of crowdfunding to help each other in serious illness has also entered into people's daily life. Many crowdfunding platforms have emerged and flourished, from the slightly immature crowdfunding platform for serious illness to the large-scale mutual crowdfunding platform for serious illness. Because the mutual aid crowdfunding for serious illness and commercial insurance have the function of guarantee, it is often compared. It is undeniable that the mutual aid crowdfunding for serious illness has certain reference significance for the development of commercial health insurance in China. In order to find out the development path of mutual fund-raising for serious illness in China, after consulting the relevant literature, this paper studies the current situation of mutual fund-raising for serious illness in China by comparing commercial health insurance. In view of the problems such as low sustainabi...
