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According to the survey, Chinese consumers prefer sharing economy and have poor risk awareness

Original title: according to the survey, Chinese consumers prefer sharing economy, but are reluctant to buy insurance

Sihai science and technology news on April 12, according to South China Morning Post, a survey released by Lloyd's on Wednesday showed that Chinese consumers are more willing to use the sharing economy platform to rent holiday homes or cars than consumers in the United States and Britain, but they are the least willing to buy insurance when using these services.

The survey covered 5000 consumers, including 2000 in China, 2000 in the United States and 1000 in the United Kingdom. The survey also surveyed 30 companies in the sharing economy, focusing on how they manage risk.

Sharing economy companies, including didi travel, Uber and airbnb, use the Internet as a platform to connect suppliers and demanders.

The survey shows that Chinese consumers are most willing to use these platforms, even if they think they are risky. About 68% of Chinese consumers believe that the benefits of using the sharing economy outweigh the risks. In contrast, 58% of American consumers.

When using the sharing platform to rent a car or rent a house for vacation, Chinese consumers are the least likely to buy insurance, while British consumers are the most likely to buy insurance.

About 71% of Chinese consumers believe that platform providers such as Uber and airbnb should provide insurance protection to protect their interests; 21% of Chinese consumers say that private house owners or car owners should be responsible for arranging insurance.

American consumers are not so divided: 43% of respondents think that the insurance should be provided by the platform provider, and 40% think that it is the responsibility of the owner or owner of a private house. The proportion of British consumers holding both positions is 39%.

The sharing economy itself has created a new risk environment. There are many untested hypotheses about who should manage the risks and responsibilities, but the importance of insurance can not be underestimated. 'said Trevor Maynard, head of innovation at Lloyd's.

Maynard said: 'as these risks are addressed in our market, we can see the role of insurance, which not only reassures consumers, but also brings clarity to suppliers and platforms. '

According to the survey, 70% of consumers in these three markets are more willing to use the sharing economy platform if they are covered by insurance. Similarly, if the platform side provides insurance protection, 71% of the asset owners will be more willing to enter their platform to rent their cars or houses.

Some sharing economy providers have taken out insurance from Lloyd's to protect their consumers' interests and their own responsibilities.

Vincent vandendale, Lloyd's chief business officer, said: 'in our work with the sharing economy platform, we have found that insurance not only promotes growth, but also adjusts to grow with the sharing economy companies. '

As for the biggest risk of using these sharing economic platforms, 52% of the respondents said that they were worried about personal safety, 42% about service quality, 42% about damage to assets, 40% about theft, and 38% about the risk of lack of adequate safeguards in case of problems.

Lloyd's report points out that by 2025, the economic value of the global sharing economy is expected to reach US $335 billion, up sharply from US $15 billion in 2014.