1引言 1
2保险与区块链的“基因性相似”分析 5
2.1 社会性 6
2.2 唯一性 9
2.3 时间性 11
2.4 安全性 12
3保险再存在：重构信任 15
3.1 “最大诚信”的困境 17
3.2 计算（机器）信用 18
3.3 从“前信任”到“后信任” 19
3.4 避害方能趋利：“数权”意识与保护 19
4保险标的：唯一性困境 25
4.1 唯一性管理：我是我 26
4.2 典型场景：养老金冒领 26
4.3 区块链身份证 28
5保险事件：时空是关键 33
5.1 时空：风险存在的依据 34
5.2 阴差阳错=风险 34
5.3 时间戳：众口一词 34
5.4 时空管理：创新的基础 35
6合同执行：效率即公平 39
6.1 合同效率不仅仅是经济问题 40
6.2 困境：条款实务化 40
6.3 效率视角 41
6.4 不仅仅是效率 41
6.5 前期探索：退货运费险的体外循环模式 42
7典型场景之一：相互保险 47
7.1 不是简单的回归 48
7.2 绕不过去的“公司陷阱”？ 48
7.3 不仅仅是破解难题 49
7.4 “自金融”形态：“机器保险公司” 50
8典型场景之二：再保险 55
8.1 脱媒：返璞归真 56
8.2 效率与透明：剪不断，理还乱 56
8.3 创新：喧宾夺主 56
8.4 进化论路径：从信息网络到价值网络 57
9我国保险业的探索实践 61
9.1 中国人保财险：养牛保险项目 62
9.2 中国人保财险：“人保V盟”项目 64
9.3 阳光保险：阳光币 66
10保险应用的技术建议 67
10.1 理想与理想化 68
10.2 有所为，有所不为 68
10.3 寻找“天花板” 69
10.4 避免“单打独斗” 70
10.5 防止“混同”与“矮化” 70
10.6 “求真务实”和“与时俱进” 71
11保险应用的行业建议 73
11.1 顶层设计 74
11.2 组织保障 74
11.3 标准先行 75
11.4 横向联合 75
11.5 行业协同 75
11.6 国际交流 76
KEY IDEAS 81
1INTRODUCTION 83
2ANALYSIS ON THE GENETIC SIMILARITIES BETWEEN INSUANCE AND BLOCKCHAIN 89
2.1 Sociality 90
2.2 Uniqueness 94
2.3 Timeliness 97
2.4 Security 99
3REJUVENATION OF INSURANCE： RECONSTRUCTION OF TRUST 103
3.1 The dilemma of “utmost good faith” 106
3.2 Computational （machine） trust 107
3.3 Establishing trust： from “upfront” to “afterwards” 109
3.4 The awareness and protection of “digital rights” 110
4ANAL YSIS ON THE SUBJECT MATTER OF INSURANCE THE DILEMMA OF UNIQUENESS 117
4.1 Uniqueness management： I am I 118
4.2 Typical scenario： fraudulent claims of pensions 119
4.3 Blockchain identity 121
5INSURANCE EVENT： SPACE AND TIME IS THE KEY 129
5.1 Space and time： the basis of risks 130
5.2 Vulnerability = risks 130
5.3 Time-stamp： unanimous view 131
5.4 Space and time management： the foundation of innovation 131
6CONTRACT ENFORCEMENT： FAIRNESS DEPENDS ON EFFICIENCY 137
6.1 Contract efficiency is not just an economic issue 138
6.2 Dilemma： the excessive entanglement with terms 138
6.3 Efficiency perspective 140
6.4 It’s not just about efficiency 140
6.5 Early explorations： shipment cost insurance for returning of goods 141
7TYPICAL SCENARIO #1： MUTUAL INSURANCE 147
7.1 It’s not a simple return 148
7.2 The fall back to corporate model 149
7.3 It’s not just a solution to a single problem 150
7.4 Self-finance： robotic insurance company 151
8TYPICAL SCENARIO #2： REINSURANCE 157
8.1 Disintermediation： back to basics 158
8.2 Efficiency and transparency： the balance 158
8.3 Innovation： subversive power 159
8.4 Path of revolution： from information network to value network 160
9THE EXPLORATIONS CONDUCTED BY THE CHINESE INSURANCE INDUSTRY 165
9.1 PICC P&C ： cattle insurance projects 166
9.2 PICC P&C： “PICC V Alliance” 169
9.3 Sunshine Insurance： Sunshine Coin 171
10TECHNICAL SUGGESTIONS OF INSURANCE APPLICATION 173
10.1 Ideals and idealization 174
10.2 Selective implementation 175
10.3 Search for ceiling 175
10.4 Do not fight alone 177
10.5 Avoid mix-up and downgrading 177
10.6 Critical thinking and pragmatic mind 178
11SUGGESTIONS FOR THE INDUSTRY 179
11.1 Top-level design 180
11.2 Organizational support 181
11.3 Standard first 182
11.4 Horizontal integration 182
11.5 Across-Industry synergy 183
11.6 International communication 184