基于区块链的全球相互保障 A Global Mutual Insurance Community Based on Blockchain Technology

SHE特点SHE Features日语韩语
行业现状与痛点 Industry Current Status & Pain Points 日语 韩语

1高风险:人身意外风险无处不在,但人们往往重视不够。例如,2016年全球航空飞行人次达40亿,航空意外保费超过12亿美元。人均仅有0.3美元,这意味着只有不到10%的飞行人次享有保障。

2高发病率:由于环境污染、食品安全、气候变化、不良生活方式导致的以癌症为首的重大疾病发生率飙升。

3高费率:商业保障昂贵且有经营风险(由于需支付大量的销售佣金以及相互保障公司经营管理、资金运用水平参差不齐)。

4不透明:传统中心化相互保障社区运行环节不透明,且无法以技术自证公平、公正、公开,难以让社区用户建立真正的信任关系。

5保险欺诈:保险诈骗是各中心化保险机构(保险公司、中心化互助机构)共同面临的难题。

6隐私保护隐患:用户隐私保护存在隐患是个中心化机构的共同痛点。

7通胀:通胀导致获赔时购买力下降。

1High Risks: The ubiquitous risks of personal accident are usually ignored by a fair number of people. For example , the global total number of airline passengers in the world has reached 4 billion in 2016. However, the global total amount of aviation insurance premium in 2016 was only 1.2 billion dollars and the average insurance premium per person is only 0.3 USD, which means less than 10% passengers can benefit from the insurance.

2High Incidence: The incidence of critical illnesses, such as cancer, is surging due to environmental pollution, food safety problem, climate change and unhealthy lifestyle.

3High Premium: Commercial insurance is both expensive and has operating risk, due to the high sales commission and the poor operation and fund management ability of some insurance companies.

4Non-transparent: Traditional centralized mutual insurance communities lack transparency in operations and fail to establish trust with users in community as they cannot prove themselves fair and open. It is difficult for them to establish a real trust relationship with users.

5Insurance Fraud: Insurance fraud has been a common problem faced by all centralized insurance institutions (ie.insurance companies & centralized mutual societies).

6Risks of Privacy Protection: The hazard to user privacy protection is the common pain point of the centralized institution.

7Inflation: Inflation causes the decline of purchasing power of the indemnity.

解决方案 Solution 日语 韩语

1技术先进:区块链是去中心化的分布式账簿,它具有的特征,如共识机制,公开透明、不可篡改、安全性高……使之成为创造信任的机器。区块链可以用来实现发行数字货币和履行智能合约,可以完美的解决相互保障生态中面临的问题。

2普惠大众:进入相互保障门槛低,普惠大众。例如:15万USDT保障额度的飞机、火车、轮船互助意外保障,加入社区只需交3个USDT等值的SHE。而且,如没人发生事故,则用户账户中的SHE继续存在,相互保障责任继续有效,直至用户账户中的SHE经过若干事故扣除后余额不足,届时即可补充SHE至本人账户,以继续享有保障,也可选择不补充而退出互助社区。

3公开透明:社区所有用户能够在区块链上查询到社区保障资金账户中的数字资产,账户的公开透明使社区的用户产生真正的信任。

4奖惩机制:社区出险用户查勘公估机构的选举及赔付详情的公示,以及对举报不诚信的奖励等机制将在区块链社区运行,可以极大程度地解决相互保障诚信及诈骗问题。

5通缩机制:由于社区发行的Token总量是固定的,参与保障的用户越多,则用于锁定的Token越多,流通的越少,运行呈通缩。
另外,由于是按用户加入保障时所交的Token数量的倍数来赔付,则越早加入的用户获赔的Token数量越多,加上通缩造成的升值,可以有效解决传统保险行业中法币赔付所面临的通胀贬值。

1Advanced Technology: Blockchain is a decentralized distributed ledger, featuring with consensus mechanism, openness and transparency, tamper-proof and high security, which makes it a credit-creating machine. Blockchain can be used to issue digital Tokens and carry out smart contracts.

2Public Beneficial: Low threshold of entering mutual insurance makes it easier to benefit the public. For example, the airline, train and maritime accident mutual insurance of 150,000 USDT indemnity requires only 3 USDT SHE when users join in the community. If no accident occurs to any member, the SHE Tokens will remain in the user’s insurance account and the insurance liability remains valid until the balance of user’s SHE account is insufficient. In this case, the user can either choose to top up the account to maintain the insurance or quit the mutual community.

3Openness & Transparency: All users in the community can check the digital asset in the community insurance account on the blockchain. The openness and transparency can create real trust with the community users.

4Reward and Punishment Mechanism: The selection of assessment agencies by community users and the payment details are publicized. The reward mechanism for reporting dishonesty is implemented in the community. All of these mechanisms can effectively maintain trust and solve fraud issues in the mutual community.

5Deflation Mechanism: As the community issues a constant number of Tokens, with an increasing number of users joining in the mutual insurance system, more Tokens will enter the lock-in pool, so SHE left in the secondary market will be gradually reduced. Furthermore, as the users are paid by the Tokens they purchased when they join the community, the users who joined earlier could receive more Tokens. The issue of fiat depreciation in traditional insurance industry can be effectively solved by this deflation mechanism of SHE token.

分配计划 Distribution Plan 日语 韩语

闪链的原生代币:SHE,总量50亿个最终分配如右图所示:

The Original Token of ShineChain: SHE, a total of 5 billion. The final distribution plan is shown in the right picture

实施时间表 Implementation Timetable 日语 韩语
  • 2017.Q4 2017.Q4 日语 韩语

    开始调研
    ShineChain
    应用的可能性

    Starting the research of feasibility of ShineChain’s applications.

    日语

    韩语

  • 2018.Q2 2018.Q2 日语 韩语

    完成相互保障系统测试及上线

    Completing the test and the launch of the mutual system.

    日语

    韩语

  • 2018.Q3 2018.Q3 日语 韩语

    完成相互保障系统与公链接口对接开发

    Completing the docking development of mutual system and public chain interface.

    日语

    韩语

  • 2018.Q4  2018, Q4 日语 韩语

    完成公链的全部数据迁移与应用

    Completing the migration and applications of the whole data of the public chain.

    日语

    韩语

  • 2019.Q2 2019.Q2 日语 韩语

    完成相互保障系统公链与其它商业系统应用接入

    Completing the docking between the public chain and other business systems.

    完成相互保障系统公链与其它商业系统应用接

    完成相互保障系统公链与其它商业系统应用接

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