A critical study of tabarrù (donation)-based takaful models: determining tàawun (mutual assistance) as the underlying notion of takaful
Takaful has substantial prospects to obtain mutual protection, financial inclusion and sustainability of life and wealth. Structuring takaful with tabarrù triggers controversies and impedes achieving desired takaful outcomes. This study investigates tabarrù-based takaful models and determines tàawun as the underlying notion of takaful.
查看详情 ›Between Islamic Takāful Insurance and Mutual Insurance
分析Takāful保险与互助保险之间的关系，探讨Takāful作为伊斯兰合规的互助保险替代品的制度逻辑，比较其与传统互助保险在成员身份、风险分担和治理结构方面的异同。
查看详情 ›Decentralized Insurance Mechanisms: A Game-Theoretic Model for Risk Distribution in Blockchain Ecosystems
构建博弈论模型研究区块链生态系统中的去中心化保险风险分配机制，分析参与者策略互动与风险分担规则设计，为互助保险和P2P保险的机制设计提供理论依据。
查看详情 ›Decentralized Insurance and Optimal Risk Pooling
研究去中心化保险的最优风险池化问题，分析互助保险和P2P保险中的风险分担机制设计，为网络互助平台的风险管理提供理论框架。
查看详情 ›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.
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