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相互保下架创新火种并不会熄灭

来源: 南方日报网络版     时间: 2019年08月19日 13:26:14
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(证)(券)(时)(报)(记)(者)(潘)(玉)(蓉)(
上)(线)(41天)(后)(,蚂)(蚁)(金)(服)(和)(信)(美)(相)(互)(保)(险)(社)(联)(手)(打)(造)(的)(“相)(互)(保)(”还)(是)(告)(别)(了)(历)(史)(舞)(台)(,取)(代)(它)(的)(是)(一)(款)(叫)(作)(“相)(互)(宝)(”的)(互)(助)(计)(划)(,以)(后)(将)(由)(蚂)(蚁)(金)(服)(单)(方)(面)(运)(营)(。
信)(美)(相)(互)(在)(公)(告)(中)(称)(,近)(期)(监)(管)(部)(门)(对)(其)(进)(行)(了)(约)(谈)(,并)(对)(《信)(美)(人)(寿)(相)(互)(保)(险)(社)(相)(互)(保)(团)(体)(重)(症)(疾)(病)(保)(险)(》业)(务)(开)(展)(情)(况)(进)(行)(了)(现)(场)(调)(查)(,指)(出)(其)(涉)(嫌)(存)(在)(未)(按)(照)(规)(定)(使)(用)(经)(备)(案)(的)(保)(险)(条)(款)(和)(费)(率)(、销)(售)(过)(程)(中)(存)(在)(误)(导)(性)(宣)(传)(、信)(息)(披)(露)(不)(充)(分)(等)(三)(项)(问)(题)(。信)(美)(根)(据)(监)(管)(要)(求)(,停)(止)(以)(“相)(互)(保)(大)(病)(互)(助)(计)(划)(”为)(名)(销)(售)(《信)(美)(人)(寿)(相)(互)(保)(险)(社)(相)(互)(保)(团)(体)(重)(症)(疾)(病)(保)(险)(》。之)(后)(蚂)(蚁)(金)(服)(也)(发)(布)(了)(升)(级)(公)(告)(,将)(“相)(互)(保)(”升)(级)(为)(“相)(互)(宝)(”。
从)(此)(以)(后)(,保)(险)(的)(归)(保)(险)(,互)(助)(的)(归)(互)(助)(,相)(互)(宝)(大)(病)(互)(助)(计)(划)(和)(《信)(美)(人)(寿)(相)(互)(保)(险)(社)(相)(互)(保)(团)(体)(重)(症)(疾)(病)(保)(险)(》就)(是)(两)(件)(事)(情)(了)(。
相)(互)(保)(的)(下)(架)(,在)(互)(联)(网)(圈)(和)(保)(险)(界)(引)(发)(了)(激)(烈)(讨)(论)(,观)(点)(主)(要)(有)(两)(派)(:一)(方)(认)(为)(,相)(互)(保)(到)(底)(是)(不)(是)(保)(险)(值)(得)(怀)(疑)(,“不)(能)(打)(着)(保)(险)(旗)(号)(干)(不)(是)(保)(险)(的)(事)(”;而)(另)(一)(方)(则)(认)(为)(,“不)(要)(站)(在)(保)(险)(的)(制)(高)(点)(讨)(论)(相)(互)(保)(”,不)(能)(用)(传)(统)(观)(念)(去)(定)(义)(新)(事)(物)(。
毫)(无)(疑)(问)(,“相)(互)(保)(”的)(横)(空)(出)(现)(,是)(2018年)(最)(具)(冲)(击)(力)(的)(保)(险)(现)(象)(。它)(诞)(生)(于)(互)(联)(网)(平)(台)(,用)(保)(险)(和)(互)(助)(的)(形)(式)(,短)(时)(间)(内)(吸)(引)(2000万)(人)(加)(入)(,其)(中)(约)(60%的)(人)(没)(有)(买)(过)(商)(业)(保)(险)(,在)(“相)(互)(保)(”上)(第)(一)(次)(接)(触)(到)(“重)(大)(疾)(病)(保)(险)(”的)(概)(念)(。从)(提)(高)(大)(众)(保)(障)(水)(平)(和)(推)(动)(保)(险)(普)(及)(的)(角)(度)(看)(,相)(互)(保)(不)(能)(说)(没)(有)(创)(新)(价)(值)(和)(社)(会)(价)(值)(。
相)(互)(保)(还)(折)(射)(了)(太)(多)(值)(得)(反)(思)(的)(现)(实)(,例)(如)(,大)(众)(对)(重)(大)(疾)(病)(保)(障)(需)(求)(存)(在)(巨)(大)(缺)(口)(,现)(有)(保)(险)(产)(品)(的)(开)(发)(很)(不)(充)(分)(,互)(联)(网)(技)(术)(将)(对)(传)(统)(保)(险)(观)(念)(的)(重)(塑)(等)(等)(。
不)(过)(,相)(互)(保)(以)(及)(此)(次)(被)(约)(谈)(的)(信)(美)(相)(互)(保)(险)(社)(也)(不)(是)(全)(然)(无)(咎)(。相)(互)(保)(一)(出)(世)(就)(面)(临)(着)(诸)(多)(质)(疑)(,相)(互)(保)(到)(底)(算)(不)(算)(保)(险)(?定)(价)(背)(后)(的)(精)(算)(依)(据)(如)(何)(?是)(否)(涉)(嫌)(用)(低)(价)(吸)(引)(流)(量)(进)(行)(虚)(假)(宣)(传)(?此)(次)(检)(查)(中)(发)(现)(的)(未)(按)(照)(规)(定)(使)(用)(经)(备)(案)(的)(保)(险)(条)(款)(和)(费)(率)(等)(三)(个)(问)(题)(,也)(需)(要)(有)(一)(个)(合)(理)(的)(处)(理)(结)(果)(。保)(险)(是)(监)(管)(成)(熟)(的)(行)(业)(,在)(现)(有)(监)(管)(框)(架)(内)(,维)(持)(制)(度)(有)(效)(运)(行)(、维)(护)(监)(管)(的)(公)(平)(同)(样)(重)(要)(。从)(这)(个)(角)(度)(,监)(管)(出)(手)(是)(必)(要)(且)(可)(以)(理)(解)(的)(。
值)(得)(欣)(慰)(的)(是)(,虽)(然)(“相)(互)(保)(”下)(架)(了)(,但)(升)(级)(后)(的)(“相)(互)(宝)(”基)(本)(延)(续)(了)(此)(前)(的)(产)(品)(特)(点)(,大)(众)(的)(参)(与)(途)(径)(也)(没)(有)(被)(阻)(断)(。目)(前)(,互)(助)(计)(划)(并)(无)(明)(确)(的)(监)(管)(机)(构)(,变)(身)(“相)(互)(宝)(”之)(后)(,在)(民)(商)(法)(的)(框)(架)(下)(,这)(款)(互)(助)(计)(划)(依)(然)(有)(着)(巨)(大)(的)(发)(展)(空)(间)(,有)(着)(成)(为)(一)(个)(超)(级)(大)(社)(群)(产)(品)(的)(可)(能)(性)(。当)(然)(,当)(数)(千)(万)(会)(员)(迎)(来)(理)(赔)(高)(峰)(期)(的)(时)(候)(,当)(逆)(向)(选)(择)(的)(道)(德)(风)(险)(在)(平)(台)(上)(爆)(发)(的)(时)(候)(,平)(台)(该)(如)(何)(应)(对)(?相)(互)(宝)(还)(面)(临)(着)(很)(多)(考)(试)(。
网)(约)(车)(出)(现)(之)(前)(,有)(牌)(照)(是)(开)(出)(租)(车)(的)(前)(提)(,但)(网)(约)(车)(的)(出)(现)(和)(普)(及)(提)(高)(了)(公)(共)(交)(通)(的)(总)(效)(率)(,政)(府)(也)(因)(势)(利)(导)(推)(出)(了)(网)(约)(车)(牌)(照)(,将)(新)(事)(物)(纳)(入)(规)(范)(管)(理)(。如)(果)(因)(为)(未)(来)(可)(能)(产)(生)(的)(风)(险)(而)(放)(弃)(创)(新)(,就)(是)(因)(噎)(废)(食)(了)(。新)(事)(物)(有)(它)(难)(以)(定)(义)(的)(地)(方)(,但)(站)(在)(未)(来)(看)(当)(下)(,对)(创)(新)(应)(有)(包)(容)(态)(度)(,在)(此)(基)(础)(上)(,创)(新)(火)(种)(才)(不)(会)(熄)(灭)(,保)(险)(创)(新)(的)(可)(能)(性)(才)(会)(逐)(步)(打)(开)(。
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