摘要
为解决保险业务中交易双方信息不对称,承保人和投保人之间的信任问题,交易者通过控制自身风险、第三方增信,以及重复博弈等促成交易,但仍然会产生风险和纠纷。引入分布式账本技术后,保险交易信息公开透明、不可篡改,交易双方相互信任、交易成本降低,监管部门可以更直观地监测风险。利用智能合约系统,还可以实现保单自动理赔。蚂蚁金服的相互宝是分布式账本技术的创新应用案例,但其应用模式在去中心化和多方共识方面仍存在诸多不足。面对新技术在实际应用中的挑战,应加快建立统一的区块链行业标准,鼓励开放参与者权限、扩大参与规模,充分实现权利均等和多方共识。在制度适配和完善监管方面,补齐法律短板,探索适当监管规制。
In the insurance business,owing to the information asymmetry between the two parties in the transaction,there is a lack of trust between the insurer and the policyholder.For solving this problem,traders facilitate transactions by controlling their own risks,third party credit enhancement,and repeated games,but risks and disputes still occur.After the introduction of distributed ledger technology,insurance transaction information is open and transparent,which cannot be tampered with.Then both sides of the transaction trust each other,and transaction costs are reduced,and the regulatory authorities can more intuitively monitor the risks.The use of intelligent contract system can also realize automatic insurance policy claims.Ant“Mutual Treasure”is an innovative application case of distributed ledger technology;however its application model still has many shortcomings in decentralization and multi-party consensus.In the face of the challenges in the practical application of new technologies,we should accelerate the establishment of a unified block chain industry standard,encourage the opening rights of participants,expand the scale of participation,and fully realize the equality of rights and multi-party consensus;in terms of the system adaptation and the improvement of supervision,we should strengthen the weak links of legal system and explore the proper supervision and regulation.
作者
张文杰
郑联盛
Zhang Wenjie;Zheng Liansheng(Operation Management Department of the People’s Bank of China,Beijing 100010,China;Institute of Finance and Banking,Chinese Academy of Social Sciences,Beijing 100028,China)
出处
《征信》
北大核心
2020年第7期33-44,共12页
Credit Reference
基金
国家社会科学基金重点项目(15AJY017)
国家电网公司管理咨询项目(81580019000S)。
关键词
分布式账本技术
保险业信任机制
相互宝
区块链
distributed ledger technology
insurance trust mechanism
Mutual Treasure
block chain
