水滴互助今晚将关停！你的钱能退吗？
<div class="wx_rich_media_content" id="jsWxContainer"><p style='margin-left: 8px;margin-right: 8px;' data-mpa-powered-by="yiban.io"><span style='display: none;line-height: 0px;'></span><span style='display: none;line-height: 0px;'></span></p><p style='text-align: center;margin-left: 8px;margin-right: 8px;'><br></p><section><h2 placeholder="请输入标题"><section label="Copyright2015 playhudong All Rights Reserved."><section><section data-role="outer" label="Powered by 135editor.com"><section data-role="outer" label="Powered by 135editor.com"><section data-tools="135编辑器" data-id="91525"><section><section><section><section><section><section><section data-tools="135编辑器" data-id="2490"><section><section data-bcless="lighten"><section powered-by="xiumi.us"><article><section data-type="rtext"><section powered-by="xiumi.us"><article><section data-type="rtext"><section style='line-height: 25.6px;min-height: 0px;background-clip: border-box;background-position: 0% 0%;background-repeat: repeat;background-size: auto;border-width: 0px;border-style: none;border-color: rgb(51, 51, 51);bottom: auto;float: none;height: auto;left: auto;max-height: none;min-width: 0px;top: auto;z-index: auto;visibility: visible;clear: none;'><section style='text-indent: 0em; 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font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><section style='padding: 10px; display: inline-block; width: 677px; border-width: 1px; border-style: solid; border-color: rgb(192, 200, 209); background-color: rgb(239, 239, 239);'><section powered-by="xiumi.us" style='transform: rotate(0deg);'><section><p><span style='font-size: 16px;letter-spacing: 0.544px;'>以“一人生病，众人均摊”的模式被人们熟悉的<strong>网络互助平台“水滴互助”于31日晚上6点将正式终止</strong>。本月24日，另一家网络互助平台轻松互助也已经宣布关停。除此之外，近一年来，网络互助行业很不平静，<strong>目前已有四家平台宣布退出。</strong></span></p><p><br></p><p><span style='font-size: 16px;'>我国的网络互助平台也曾站在风口之上，收获了一大批用户，比如水滴互助平台上的会员数就达到了8000多万。曾经拥挤的赛道，如今为何选手纷纷离场？“一人患病，众人均摊”“花小钱，治大病”，听起来不错的公益模式，背后存在哪些问题？平台说停就停，用户之前交的钱还能退回来吗？</span></p></section></section></section></section><section style='font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><br></section><section style='margin-top: 20px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; margin-left: 8px; margin-right: 8px;'><span style='color: rgb(0, 122, 170);'><strong><span style='font-size: 18px;'>平台说停就停</span></strong></span></section><section style='font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; margin-left: 8px; margin-right: 8px;'><span style='color: rgb(0, 122, 170);'><strong><span style='font-size: 18px;'>上亿用户权益如何处理？</span></strong></span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>至今我国网络互助行业已走过十年，覆盖上亿人次，低廉的费用、简单的产品条款，俘获了年轻人群和中低收入人群的信任。然而<strong>说停就停，平台该如何处理好上亿用户的一系列权益？</strong></span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>横向对比几家网络互助平台给出的解决方案，各平台普遍提出，对规定时间前确诊大病且提交救助申请的会员，提供一些必要的救助，但更多的救治力度，公告中并没有给出详细的说明。</span></section><section style='font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; text-align: center; margin-left: 8px; margin-right: 8px;'><span class="wxart_image" wx-style='display:inline-block;border-width: 1px;border-style: solid;border-color: rgb(238, 237, 235);background-color: rgb(238, 237, 235);background-size: 22px;background-position: 50% 50%;background-repeat: no-repeat;box-sizing: border-box !important;height: 260.72px !important;width: 544px !important;'></span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>对于“账户余额如何处理”的问题，仅从水滴互助一家的情况来看，<strong>目前退余额似乎并不是一件难事，已有一部分用户收到了退回的钱。</strong></span><br></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>水滴互助会员小严表示，因为之前有过像小黄车的例子，希望平台关停之后，用户在上面的钱能按时如数退回。“我之前交的钱还没去看，身边的人已经有退回来的。”</span></section><section style='font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; margin-left: 8px; margin-right: 8px;'><span style='color: rgb(0, 122, 170);'><strong><span style='font-size: 18px;'>网络互助平台为何纷纷离场？</span></strong></span></section><section style='font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; margin-left: 8px; margin-right: 8px;'><span style='color: rgb(0, 122, 170);'><strong><span style='font-size: 18px;'>专家：身份难界定 赔付规则众口难调</span></strong></span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>从网络互助的逻辑来看，“花小钱、治大病”这本应是一件大好事，也有着旺盛的用户需求，但为何近期做好事的各家网络互助平台纷纷离场？</span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>中国社会科学院财经战略研究院互联网经济研究室主任李勇坚分析：</span></section><ul class="list-paddingleft-2" style='font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; list-style-type: square; margin-left: 8px; margin-right: 8px;'><li><p style='margin-top: 20px;margin-bottom: 20px;'><span style='font-size: 16px;'>首先，<strong>网络互助平台的身份认定到底是公益平台还是商业平台</strong>。如果是商业平台，平台是否有条件、资源和资质；如果是公益平台，平台付出的成本如何承担，商业模式如何？</span></p></li><li><p style='margin-top: 20px;margin-bottom: 20px;'><strong><span style='font-size: 16px;'>如何让赔付规则真正公平？</span></strong><span style='font-size: 16px;'>每个人生了病，平台应给多少钱，如何建立公开、透明、公正、公平的规则，难度非常大，众口难调。</span></p></li></ul><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>作为互联网的一贯套路，<strong>低价入场</strong>这一点在网络互助平台上也体现得淋漓尽致。然而，低价策略却难以持久，随着加入互助平台成员总数和年龄的增加，成员的重疾发生率会开始接近社会平均水平，分摊金额会上升。因此经历了高光时刻的网络互助平台近些年出现了用户大量流失的困境。</span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>江西上饶市市民毕如玉已经参与某平台互助产品4、5年，她告诉记者，每月用户分摊的费用已越来越高。“一开始时是每月分摊两次，一次一人五角多。但这两年，看着分摊金越来越多，我查了下，三月第一期一个人分摊了6.09元，第二期一个人6.36元。”</span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; text-align: center;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box !important;width: 544px !important;visibility: visible !important;'></span></section><section style='font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; margin-left: 8px; margin-right: 8px;'><span style='color: rgb(0, 122, 170);'><strong><span style='font-size: 18px;'>网络互助平台为非持牌经营</span></strong></span><br></section><section style='font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; margin-left: 8px; margin-right: 8px;'><span style='color: rgb(0, 122, 170);'><strong><span style='font-size: 18px;'>平台赔不起，恐会产生金融风险问题</span></strong></span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>水涨船高的费用让更多用户退出平台，又开启新一轮分摊金上涨的恶性循环。在平台遭遇发展瓶颈之时，关于网络互助平台的风险也越来越引发关注。</span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>2020年9月8日，银保监会打非局发文《非法商业保险活动分析及对策建议研究》，</span><span style='font-size: 16px;color: rgb(0, 122, 170);'><strong>明确将水滴互助等网络互助平台定义为非持牌经营</strong></span><span style='font-size: 16px;'>。</span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>北京工商大学保险研究中心主任王绪瑾告诉记者，一段时间以来关于将网络互助纳入监管的呼声愈发密集，<strong>这涉及到上亿用户的行业恐怕日后无法再游离于监管之外。</strong></span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>王绪瑾表示，根据《中华人民共和国保险法》规定，经营保险业务要设立保险公司，保险公司要经过保险监督管理机构的批准，同时它的产品关系到社会公众利益较大险种要经过在国务院保险监督管理机构的批准，或者其要备案。<strong>一旦赔不起，恐怕会带来社会性的金融风险问题。</strong></span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'><strong><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box !important;width: 544px !important;visibility: visible !important;'></span></strong></span></section><section style='font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; margin-left: 8px; margin-right: 8px;'><span style='color: rgb(0, 122, 170);'><strong><span style='font-size: 18px;'>专家：非盈利不等于纯公益</span></strong></span></section><section style='font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; margin-left: 8px; margin-right: 8px;'><span style='color: rgb(0, 122, 170);'><strong><span style='font-size: 18px;'>未来网络互助平台有两条路可走</span></strong></span><br></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>客观来说，低成本解决重疾风险的需求仍然存在。在南开大学卫生经济与医疗保障研究中心主任朱铭来看来，未来网络互助平台面前仍有两条路可以走：</span></section><ul class="list-paddingleft-2" style='font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1; list-style-type: square; margin-left: 8px; margin-right: 8px;'><li><p style='margin-top: 20px;margin-bottom: 20px;'><span style='font-size: 16px;'>一条路是在银保监会统一监管下，利用平台优势进一步完善相互保险设计。</span></p></li><li><p style='margin-top: 20px;margin-bottom: 20px;'><span style='font-size: 16px;'>另一条路则是走非营利的社会团体路线。</span></p></li></ul><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>“我个人更倾向第二条路，希望将来做成社会团体性的、非营利性互助合作组织，不再和金融业掺和，单纯谈保障，相当于大家互助共济。”朱铭来强调，<strong>非营利并不等于纯公益，而是指整个组织收支基本平衡</strong>。</span></section><section style='margin: 20px 8px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 27.2px; widows: 1;'><span style='font-size: 16px;'>朱铭来表示，更重要的是，通过平台建设，可形成客户群的信息数据库，再在这个基础上提供商业性服务，这就形成一个多层次保障体系。</span></section><section><section style='text-align: center; margin-left: 8px; margin-right: 8px;'><span style='font-weight: normal;'><font face="微软雅黑" size="3">来源：<span style='text-align: justify;'>中央广电总台中国之声</span></font></span></section><section style='text-align: center; margin-left: 8px; margin-right: 8px;'><img src="http://www.yewn.cn/data/attachment/forum/202103/29/083843r0owhrkkowra1rr1.jpg"></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></article></section></section></article></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></h2></section><section style='margin-left: 8px;margin-right: 8px;'><span style='display: none;line-height: 0px;'></span></section></div> 太多骗子了，消费善心，关了也好 以前看到都会捐
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