近年来,国内迅速兴起了一种类似于保险的网络互助模式,引起了实务界与监管层的密切关注。本文从国际高度共识的普惠金融的理念入手,分析了该模式契合普惠金融的主要意义和优势,提出应按照促使其转为相互保险的思路进行合理规范和监管,可以更顺应趋势、符合国情、成本最优,并据此提出了初步的政策建议,包括加强对洗钱和恐怖融资风险的防控。 In recent years, the rapid rise of a network similar to the insurance pattern of mutual assistance has aroused the close attention of practitioners and regulators. Based on the international consensus on the concept of inclusive finance, this article analyzes the main meaning and advantages of this model in conformity with inclusive finance. It puts forward that it should be properly regulated and regulated in accordance with the idea of ​​promoting mutual insurance. It can be more in line with the trend, National conditions and cost are optimal, and put forward preliminary policy recommendations accordingly, including strengthening the prevention and control of the risks of money laundering and terrorist financing.