What do you mean, mutual treasure? Why didn't you run away?

The reasons why Mutual Treasure stopped running are as follows:

1. Regulatory reasons. During the rectification of Ant Group, one of the reform contents is to bring Ant Group into supervision as a financial group as a whole. As a mutual treasure business under the Ant Group, it faces a dilemma. First, the mutual treasure business will be terminated and sold separately; The second is to bring the mutual treasure business into supervision.

The second one obviously can't. Mutual treasure is not insurance, but a platform for mutual assistance, and the current insurance law is not applicable. It is impossible for regulators to separately stipulate mutual treasures, and the only way is to divest and sell them.

Second, mutual treasure is shared twice a month on average. Due to the increasing sharing volume, more and more people are introduced, and the number of people who quit every month is 1 10,000-2 million. Although there are still 75 million users, they can get a better price.

Third, learn from the exit mode such as mutual assistance of water droplets and transfer insurance to users. After mutual insurance stops running, users can switch to commercial critical illness insurance for one year, with free premium for three months, and then deduct commercial insurance premium every month.

According to the circular, from 202165438+February 28th, all mutual treasure members will no longer participate in mutual assistance and sharing. At present, members of Huzhu Bao can still launch mutual funds after being diagnosed with diseases in the mutual aid plan before 24: 00 on June 28, 2022. All the required mutual funds are borne by the mutual treasure platform and need not be shared with the current mutual treasure members.

First, driven by the big environment, in recent years, a number of network mutual assistance programs have been announced to be closed, and platforms such as Meituan Mutual Assistance, Water Drop Mutual Assistance and Easy Mutual Assistance have been announced to be closed, which shows that the network mutual assistance environment is getting worse and worse, and it also shows that the norms of the industry are becoming more and more obvious.

Second, the popularity is getting lower and lower. At first, many people followed suit and joined each other's treasures. After a while, they found that it was useless to them, and the contribution became more and more expensive, so more and more people quit.

Third, the aftershock of the failure of the listing of Ant Group, Ant Group mentioned in the previous listing letter of intent that Mutual Treasure will adjust its operation mode and process within the specified time to meet the compliance requirements; If Mutual Treasure fails to meet the compliance requirements for various reasons and it is not suitable for Ant Group to continue to operate as a listed company, Ant Group will divest its mutual treasure business. At that time, many people questioned mutual treasure. As the listing of Ant Group is stopped, Mutual Treasure will be affected to some extent.

4. Can the money be refunded after the mutual treasure is closed?

According to the announcement of mutual treasure, members will no longer participate in mutual assistance and sharing from the date of announcement. The payment originally scheduled to be deducted on the announcement date and the two payments in June 5438 +2022 10 will all be borne by the mutual treasure platform. In order to better protect the rights and interests of Huzhu Bao members, after Huzhu Bao stops running, sick members who meet the mutual aid rules can still apply for mutual aid funds: that is, sick members who were diagnosed in the hospital for the first time before 24: 00 on October 28th, 2022 and were in the mutual aid plan at the time of diagnosis can apply for mutual aid funds from the date of first diagnosis in the hospital 180 days (including 180 days). The mutual treasure platform will review according to the existing mutual aid rules, and all the mutual aid funds approved will be borne by the mutual treasure platform and do not need to be shared by members.