基于区块链的全球相互保障 A Global Mutual Insurance Community Based on Blockchain Technology查看白皮书White Paper
普惠 Public Beneficial 日语 韩语
A Public-beneficial Mutual Insurance
信任 Trust 日语 韩语
A mutual insurance solving trust problem based on blockchain technology
全球 Global 日语 韩语
A mutual insurance for global users
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.
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 5 USDT SHE (Shine Coin) 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.
The Original Token of ShineChain: SHE, a total of 5 billion. The final distribution plan is shown in the right picture
2017.Q4 2017.Q4 日语 韩语
Starting the research of feasibility of ShineChain’s applications.
2018.Q2 2018.Q2 日语 韩语
Completing the test and the launch of the mutual system.
2018.Q3 2018.Q3 日语 韩语
Completing the docking development of mutual system and public chain interface.
2018.Q4 2018, Q4 日语 韩语
Completing the migration and applications of the whole data of the public chain.
2019.Q2 2019.Q2 日语 韩语
Completing the docking between the public chain and other business systems.
CEO 金辉 CEO Jin Hui 日语 韩语
Jin Hui is a senior economist and graduated from the Department of Economics at Sichuan University. He is an EMBA graduate from the Guanghua School of Management, Peking University. He has been a firm believer and practitioner of bitcoin since its emergence. He served as the executive at China Life, PICC Life Insurance Company Limited, and Sunshine Insurance Group as well as the founder of Chexiaobao.com, an online insurance agent vehicle insurance platform. He now serves as the Chairman and CEO of Sunshine Insurance Agency Co., Ltd. and the Director of the Internet Finance Club 1000 Insurance Special Committee. With more than 20 years of experience in insurance sales and management, he is an expert at team building and also the innovation of insurance products. Especially, he has rich experience in the field of life insurance, property insurance and Internet insurance. Now, he is committed to the exploration and application of blockchain insurance.
CTO Hugo CTO Hugo 日语 韩语
Hugo graduated from Postdoctoral Institute of University of Oxford and he earned his Ph.D. degree in financial mathematics at the University College London. He is the researcher of the Centre of Blockchain Technologies in University College London，the secretary general of China-UK Blockchain Association. His research projects include the digital identity program initiated by United Nations Food Agency, ICO supervision and challenges, and he has rich experience in designing digital monetary and financial products.
CIO 彭松 CIO Peng Song 日语 韩语
He earned his Master Degree at Tsinghua University，and was the former Red Hat senior R&D engineer, Chinese aerospace architect, Chinese search architect, and senior Internet entrepreneur. He participates in the field of artificial intelligence and search field as well as the project and strategic design of the blockchain, also he belongs to the first batch of contacts and participants in the coin circle of the garage coffee.
CSO 孙志勇 CSO Sun Zhiyong 日语 韩语
Sun Zhiyong served as the former adjunct at China University of Political Science and Law. He serves as the arbitrator of Beijing Arbitration Commission. He earned his Bachelor degree in Physics and his Master degree from Peking University. Now, he serves as the deputy director general of China State-owned Industry Innovation Alliance, senior partner of TianTai Law Firm, the chairman of Jin Feng Capital, the CEO and co-founder of Wo Yi Obstetrics Group，the managing partner of Future Ventures International U.S., Inc. Chairman of the JinFeng Capital, CEO and co-founder of the WoYi obstetrics Group, Vice-president of Beijing ShenKong Science Co. Ltd.
COO 王金龙 COO Wang Jinlong 日语 韩语
He served as the Senior Business Manager at Alibaba mobile business group. During the time, he was in charge of business realization and market cooperation of Alibaba Games, Alibaba Literature and UC browser. After that, he served as a marketing director at Qing Song Chou and an operation manager at Qing Song Hu Mutual Aid, he was responsible for developing the business of insurance and health. With more than 10 years working experience in the internet, he owns in-depth research and practical experience in the fields of internet mutual assistance, mutual insurance, and internet commercial realization.
CPO 秦宇帅 CPO Qin Yushuai 日语 韩语
With 4 years of experience as the Internet products manager, He served as the Senior Product Manager at Mei Tuan, Yuan Ti Ku and toutiao.com. He was responsible for e-commerce, and education products. Then he engaged in the blockchain investment, and the blockchain We-Media. He also participated in ITC, deep brain, nebula, AAC and other projects.
ch center, in E money funds, etc., has a lot of digital currency financial products design.
CFO 徐云飞 CFO Xu Yunfei 日语 韩语
Xu Yunfei graduated from the Guanghua School of Management,Peking University. He serves as the Chairman of YiChen Internation, partner of Rongxin Internet Financial Group, Deputy general manager of the director at ZhiHuiLian Technology(430122) and vice president. He has deep research and unique views on blockchain, mainly engages in the business of blockchain investment, venture capital, equity investment, NGO.
ch center, in English and block chain association secretary general. Gong's research projects including the United Nations food agency digital identity, ICO regulation and challenges and arbitrage strategy for a digital money funds, etc., has a lot of digital currency financial products design.
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