PureAjo: A P2P Blockchain-Based Insurance Platform
提出基于区块链的P2P保险平台PureAjo，将非正规储蓄计划（如akawo、esusu、ajo）的风险池化机制与区块链技术相结合，解决传统保险系统成本高、不透明和可及性不足的问题，为互助保险的数字化和透明化提供技术方案。
查看详情 ›Uncovering the Structural Assurance Mechanisms in Blockchain Technology-Enabled Online Healthcare Mutual Aid Platforms
研究如何在区块链赋能的在线医疗互助平台上有效建立保障机制以促进用户行为意愿和实际使用行为。基于制度信任理论构建研究模型，考察政策保障和技术保障两种结构性保障机制对用户意愿和实际使用行为的影响，通过实地实验验证了相关假设。
查看详情 ›A Study on the Utilization of ADR for Resolving Insurance Disputes: Focusing on Mediation Case of the Mutual Aid Dispute Mediation Committee
以韩国互助争议调解委员会的调解案例为对象，研究替代性纠纷解决机制（ADR）在互助保险争议中的应用，分析调解制度在互助保障纠纷解决中的效果与局限，为互助保险争议解决机制完善提供参考。
查看详情 ›Optimal Self-Protection in Peer-to-Peer Insurance: The Dual Role of Risk Sharing
研究P2P保险中最优自我保护问题，分析风险分担的双重角色——既影响互助池内损失分担，也影响参与者的预防努力选择，为互助保险的风险管理激励设计提供理论框架。
查看详情 ›An Empirical Evaluation of the Technology Acceptance Model for Peer-to-Peer Insurance Adoption: Does Income Really Matter?
基于技术接受模型（TAM2）实证研究P2P保险采纳的影响因素，发现感知有用性、易用性和主观规范显著促进采纳，收入在感知有用性与采纳关系中起调节作用。
查看详情 ›Spatio-temporal Risk Sharing and Transfer: A Unified Theory of Multi-period Decentralized Insurances and Annuities
统一了去中心化保险与年金两大研究领域，构建涵盖P2P保险、互助和DeFi保险的多期去中心化风险分担与转移理论框架，阐释空间风险分担与跨期风险转移的联系。
查看详情 ›Dynamic Pricing and Solvency of Peer-to-Peer Insurance: A Framework for Transparency, Risk Sharing, and Financial Sustainability
探讨P2P保险的动态定价和偿付能力问题，分析全额风险转移、部分风险转移加聚合止损安排和全额风险自留三种模型，提出基于信度理论的动态定价框架。
查看详情 ›Optimal Design of Fixed and Variable Costs in Peer-to-Peer Insurance with Heterogeneous Risk
研究异质风险下P2P保险的最优设计，将成本分解为外部覆盖的固定保费和共享损失的变动部分，推导均值-方差目标下最优分担规则的闭式解。
查看详情 ›Impact of an Outpatient Coverage Scheme on Health-care Utilization Among Middle-Aged and Older Adults: Evidence from the Outpatient Mutual-Aid Security Policy in China
基于CHARLS面板数据，运用双重差分法研究中国门诊互助保障（OMAS）政策对中老年人医疗服务利用的影响，发现该政策增加了门诊就诊次数、减少了住院次数，并改善了自评健康。
查看详情 ›Policy Discourse and Policy Identification: Interests, Values, and Self-concepts in China's Outpatient Mutual-aid Health Insurance Reform
分析中国门诊互助健康保险改革中的政策话语与政策认同，探讨利益、价值观和自我概念在政策制定中的作用。
查看详情 ›Robust Peer-to-peer Risk Sharing in Continuous Time
研究连续时间框架下P2P保险的稳健风险分担问题，分析互助风险分担机制在动态环境中的最优设计，为互助保险和去中心化保险的风险管理提供数学理论框架。
查看详情 ›Peer-to-Peer Risk-Sharing Schemes with Heterogeneity and Infinite-Mean Losses
The increasing intensity of extreme catastrophic events in recent years highlights the critical need for insurance to protect against their potential disastrous impacts. However, such catastrophic losses are often regarded as uninsurable by insurers, and there is a lack of risk-management solutions for them.
查看详情 ›Pareto and Bowley Reinsurance Games in Peer-to-Peer Insurance
We propose a peer-to-peer (P2P) insurance scheme comprising a risk-sharing pool and a reinsurer. A plan manager determines how risks are allocated among members and ceded to the reinsurer, while the reinsurer sets the reinsurance loading.
查看详情 ›Network-Aware Peer-to-Peer Cyber Risk Sharing with Attack Propagation
Risk sharing has received substantial attention in traditional insurance and mutual insurance arrangements. However, relatively little is known about how cyber risk should be shared when losses are shaped by network topology, contagion, and cross-firm dependence.
查看详情 ›Nash Peer-to-Peer Insurance Bargaining under Price Fairness and Coalitional Stability
We study peer-to-peer (P2P) insurance contracting between a risk-averse P2P reinsurer and multiple risk-averse peers in an asymmetric Nash-bargaining framework, where all agents seek to improve expected utility relative to their disagreement points.
查看详情 ›Effectiveness of outpatient financing reform from health savings accounts to pooling scheme in China: a systematic review
This systematic review synthesizes the available empirical evidence on China’s outpatient mutual-aid financing reform, with a particular focus on its associations with healthcare utilization, healthcare expenditure, financial protection, and other relevant outcomes.
查看详情 ›AI-Powered Decentralized Insurance and Wealth Management: Legal Challenges and Smart Contract Innovations on Cardano
研究基于Cardano区块链的去中心化保险与财富管理中的法律挑战和智能合约创新，分析AI驱动的去中心化保险平台在合规性、智能合约设计和风险管理方面面临的监管问题。
查看详情 ›A Three Tier Architecture for Decentralized Insurance Governance: Capital Backed Parameter Markets and Equilibrium Analysis
Insurance governance fundamentally concerns the legitimate authority to price risk, allocate capital, and absorb correlated losses.
查看详情 ›Informal Risk Sharing and Demand for Index Insurance: Experimental Evidence from Rural Uganda
通过实验经济学方法研究非正式风险分担对指数保险需求的影响，探讨正式保险与非正式互助风险分担之间的替代与互补关系，为理解互助机制与正式保险的互动提供微观证据。
查看详情 ›Innovations in Sharia Insurance Products and Business Models: A Comparative Study of Crowd Takaful, Sharing Tabarru' and Peer-to-Peer Insurance
运用PRISMA框架系统比较研究伊斯兰保险产品的创新模式——众筹Takaful、分享Tabarru'和P2P保险三种商业模式，分析其在合规性、风险分担和运营机制方面的异同，为互助保险的产品创新提供跨文化比较视角。
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