The Construction of the Trust Relationship between the Platform and the Consumer in Mutual Economic Environment

Qianwen Xu,Miaomiao Zheng,Weimiao Zheng,Xiaoying Hu,Dan Li,Cong Cao 한국경영정보학회 2021 한국경영정보학회 학술대회논문집 Vol.2021 No.11

The mutual aid economy mainly comes from the sharing economy. The “mutual aid economy” model of taking out personal idle funds to share with others to obtain the most significant economic benefits is an area that the international community is currently striving to explore. After the establishment of the "Mutual Insurance Commune", parallel to the development of the digital economy and the significant improvement of the material living standards, the mutual aid economy with unique advantages has been experiencing rapid growth in China. Because China has a large population and a large base of the bottom poor groups, the traditional insurance business can no longer meet the needs of these groups. In this context, the network mutual assistance platform bred by the combination of the Internet and the traditional insurance industry has ushered in a development boom. In recent years, however, the Internet mutual aid platform is under a contentious and intensified debate,which has a great relationship with the standard use of funds. Some network mutual aid platforms put forward that they have the right to manage the mutual aid funds stored on the platform, but there is no clear limit on the scope of use. In addition, the information disclosure of some platforms is not transparent enough, which makes the use of mutual aid funds standardized to become a major problem, which severely limits the development of network mutual aid platforms. A lot of news of “xx mutual assistance platform shutting down” has shaken the rationality and longevity of the network mutual aid platform. In addition, due to China's unique domestic political environment and policies, for example, in September this year, The State Council issued the notice of "normalization of collective procurement of medicines”, which will reduce the potential population of mutual insurance and have a certain impact on its development. These show that its stable development has hidden risks that it cannot ignore. Since the closure of Fun in Funding and Water Droplets Mutual Aid in March of this year, two leading mutual-aid platforms, the credibility of the mutual aid economy, the sustainability of online mutual-aid platforms, and the future of mutual aid are all doubtful and faint. Factors such as establishing the trust relationship between the platform and the consumer, the financing of the risk of entering and exiting the risk, the breadth, depth and timeliness of mutual assistance behaviour challenge the survival and development of network mutual assistance platforms. It also means that the transformation and upgrading of the traditional insurance industry in the Internet age is not smooth. However, on the other hand, online mutual aid platforms have the following advantages: First, mutual aid platforms have outstanding social benefits, which can maximize the benefits of social resources. Second, the fund scale of the network platform is relatively small, and the funding object is scattered. Third, the mutual aid platform's motivational orientation to pursue benefits makes its risks more controllable than other platforms. Also,the introduction of the "Blockchain" technology enhances the transparency and reliability of the mutual assistance mechanism. In the process of mutual-treasure operation, the integration of blockchain technology realizes the establishment of mutual-treasure advantages. This study believes that if we can correctly guide network mutual aid, it can become a new model in financial and insurance innovation. The study aims to provide constructive suggestions to promote the transformation and development of the network mutual aid platform and achieve high-quality development of the mutual aid economy in China. According to the development status of low threshold, high security, low intermediate cost and high self-propagation of mutual aid economy and network mutual aid platform at home and abroad, taking “Xianghubao”, a domestic “late start, fast development, “strong strength” network mutual assistance platform, as the research object. This study focuses on building a trust relationship between the network mutual aid platform and consumers in the mutual aid economy from the normative perspective of using technology and controlling mutual aid funds. Employing semi-structured interviews, questionnaires and data modelling and analysis, the study has explored the prerequisites for the rise and prosperity of the mutual aid economy include increasingly abundant idle resources, the establishment of collaborative network platforms, mutual aid value consensus, industry environment,then offers a deep analysis towards the mutual trust mechanism between the enterprise and the user within “Xianghubao”, to further probe into the logical and critical elements which impact on building the relationship of trust between the network mutual aid platform and consumers in mutual aid economy. Also, the "Blockchain" technology is introduced to enhance the transparency and reliability of the mutual assistance mechanism. Based on the study, the company can make corresponding countermeasures from the four dimensions of internal management, trusted products, risk control, and mutual trust between customers to deal with the reformation and the closure of “Xianghubao”. The research described in this paper was supported by a grant from the Zhejiang Province Undergraduate Innovation and Entrepreneurship Training Program (File No. S202110337116).

Association between Metabolic Syndrome and Microvascular Complications in Chinese Adults with Type 1 Diabetes Mellitus

Qianwen Huang,Daizhi Yang,Hongrong Deng,Hua Liang,Xueying Zheng,Jinhua Yan,Wen Xu,Xiangwen Liu,Bin Yao,Sihui Luo,Jianping Weng 대한당뇨병학회 2022 Diabetes and Metabolism Journal Vol.46 No.1

Background: Both type 1 diabetes mellitus (T1DM) and metabolic syndrome (MetS) are associated with an elevated risk of morbidity and mortality yet with increasing heterogeneity. This study primarily aimed to evaluate the prevalence of MetS among adult patients with T1DM in China and investigate its associated risk factors, and relationship with microvascular complications.Methods: We included adult patients who had been enrolled in the Guangdong T1DM Translational Medicine Study conducted from June 2010 to June 2015. MetS was defined according to the updated National Cholesterol Education Program criterion. Logistic regression models were used to estimate the odds ratio (OR) for the association between MetS and the risk of diabetic kidney disease (DKD) and diabetic retinopathy (DR).Results: Among the 569 eligible patients enrolled, the prevalence of MetS was 15.1%. While female gender, longer diabetes duration, higher body mass index, and glycosylated hemoglobin A1c (HbA1c) were risk factors associated with MetS (OR, 2.86, 1.04, 1.14, and 1.23, respectively), received nutrition therapy education was a protective factor (OR, 0.46). After adjustment for gender, age, diabetes duration, HbA1c, socioeconomic and lifestyle variables, MetS status was associated with an increased risk of DKD and DR (OR, 2.14 and 3.72, respectively; both P<0.05).Conclusion: Although the prevalence of MetS in adult patients with T1DM in China was relatively low, patients with MetS were more likely to have DKD and DR. A comprehensive management including lifestyle modification might reduce their risk of microvascular complications in adults with T1DM.

Layered double hydroxides/oxidized carbon nanotube nanocomposites for CO2 capture

Junya Wang,Liang Huang,Qianwen Zheng,Yaqian Qiao,Qiang Wang 한국공업화학회 2016 Journal of Industrial and Engineering Chemistry Vol.36 No.-

A systematic investigation on the influence of synthesis method and chemical composition of LDH/oxidized carbon nanotube (LDH/OCNT) nanocomposites on their CO2 capture performance wereperformed. Three LDH/OCNT nanocomposites were prepared using two methods: ‘‘electrostatic selfassembly’’and ‘‘direct co-precipitation’’. All LDH/OCNT nanocomposites were thoroughly characterized. The isothermal CO2 adsorption at different temperatures (60–400 8C) and adsorption/desorption cyclingtests were conducted. Both the CO2 adsorption capacity and the multi-cycle stability of LDH derivedadsorbents were improved by the introduction of OCNT. In particular, the absolute CO2 capture capacityof Mg-Al-NO3 LDH was increased by more than twice by adding 9.1 wt% OCNT.