is located in the Love Cup Operation Center in Qingdao Nord Plaza.
On the "Qingchou" WeChat official account, individuals only need to fill in the fundraising target amount, fundraising title, details, etc. to quickly initiate a serious illness fundraising fundraising, and ask for help on social platforms such as WeChat, Weibo .
"Let every family have the courage and strength to deal with diseases" "Let love be transmitted in warmth"... In recent years, on Internet social platforms such as WeChat and Weibo, personal help information can be seen everywhere. Suspension funds raised by , , and love fundraising platforms have also entered the public eye. Online crowdfunding platforms have helped many families who have become poor due to illness to solve their urgent needs.
However, on the one hand, several major fundraising platforms promise "0 handling fee fundraising" and on the other hand, they do bidding advertising and marketing hard. Are they really losing money and making a name for themselves? The reporter's investigation found that online fundraising platforms are not simply free charity, and can be said to be both a charity and a business. In addition to fundraising products, several major fundraising platforms also provide similar "mutual funding" and joint insurance products. They use users' social networks to increase brand awareness, attract traffic for their ports, and ultimately realize the monetization of "public welfare + business".
There are hidden worries behind the troubleshooting
platform has insufficient information review ability
family living in Licang District, Qingdao City suffered from polio when they were half a year old, resulting in paralysis of both lower limbs. She is 42 years old this year and has a baby, but unfortunately, the child has been born for more than a month and weighs only 3.2 kilograms at birth. She suffers from congenital heart disease. She spent all her savings in the family in just one month after being admitted to the intensive care unit. The huge treatment and surgery costs are simply worse for this family, who originally had a poor life. On September 10, when Qiao Hui, who had just passed the confinement period, went to Qingdao Women's and Children's Hospital to visit her children, the staff of the "Wuyouchou" platform took the initiative to find her and said that she could help raise funds through the platform, which made Qiao Hui, who was in despair, see a glimmer of hope.
Compared with traditional charities, the application threshold for emerging online fundraising platforms is low, easy to operate online, quick and efficient, and support funds are distributed to personal accounts, which greatly reduces the threshold for individuals to initiate help and donate, and helps many poor and serious patients solve their urgent needs. The reporter's investigation found that on serious illness fundraising platforms such as Qingshuo, Shuidichou, and Aixinshuo, the operation process of individual fundraising is relatively simple. Taking the Qingchou Platform, the pioneer of the social crowdfunding industry, as an example, if an individual initiates serious illness relief, he only needs to follow the "Qingchou" WeChat official account, and then fill in the fundraising target amount, fundraising title, and details according to the prompts, and upload photos of the identity certificate, disease diagnosis and other materials to quickly generate a fundraising page and ask for help on social platforms such as WeChat and Weibo. If you really can't write a fundraising article, there are smart templates to refer to.
According to incomplete statistics, as of now, more than 1 million families have published help information through personal serious illness help platform, and have received responses from more than 200 million caring people. However, due to the large scale of personal demand for help from serious illnesses, and the online crowdfunding platform has limited ability to review and identify information, fabricating false fundraising information, misappropriation of donors, and the fundraising target amount exceeds the required medical expenses, etc., it has caused emotional harm to donors and reduced the public's trust in the crowdfunding platform for serious illnesses.
At the end of May this year, some media reporters used false diagnosis certificates and hospitalization certificates to easily pass the identity certificate information review and medical certificate review of the three platforms: Qingshuo, Shuidichou and Aixinchou. This matter has revealed the platform's information review loopholes and has attracted widespread attention. However, more false crowdfunding projects for serious illnesses are not completely false. "It is true to be sick, and it is false to be short of money." The patient's family is obviously rich, but he has to obtain medical expenses through crowdfunding. In July this year, the family of a injured person in a bus accident in Shenyang initiated medical expenses through the Love Funding Platform. The nurse in charge of the treatment reported after learning about it that the hospital opened a green channel for this emergency, and the medical expenses of the injured will be borne by the bus company, and there is no need to pay or raise money. After being questioned, the fundraising page was closed, and nearly 200,000 yuan of funds were returned in the same way. How to ensure that the personal help information is true and complete and that the relief funds are not abused are two issues that need to be solved urgently by the crowdfunding platform for serious illnesses.
"The platform can do its best to connect with some hospitals, communicate with the attending physicians, and verify the patient's relevant condition and treatment information, but for the patient's family's personal real estate and other assets, there are many difficulties in connecting the data interface of relevant assets." Ma Xuchao, COO of the Aixin Fundraising Fundraising Platform, told reporters that for each help platform, the authenticity of information needs to be completed by platform review and social supervision. "The personal help information for serious illness is transmitted through social platforms, in order to jointly supervise the public in the society. "The information for serious illness help is transmitted through social platforms, in order to jointly supervise the public. . Aixinchou opens the 'report' portal online. If someone raises doubts about a personal serious illness request project of Aixinchou, Aixinchou will send relevant business departments to verify and answer it in time. "
is a charity and business
How to balance the test of operator positioning
Some small serious illness fundraising platforms will also charge a certain proportion of the fees based on the actual fundraising amount in the early stage of their establishment. The worry-free fundraising platform operated by Qingdao Yizhong Tongxin Network Technology Co., Ltd. will provide text pen and boost services outside the circle of friends to those who seek help, so as to achieve better fundraising results and help patients raise more money. Of course, this is charged at a certain proportion of the actual fundraising amount, and text ghostwriting requires a fee of 2% of the actual fundraising amount. Qiao Hui was reluctant to spend too much money on promotion. When signing a written contract, she only chose three items: video promotion, homepage promotion, and fan promotion. The promotion fee was 5.2% of the actual fundraising amount.
Qiao Hui’s target amount for raising funds for her son is 120,000 yuan, but she has only raised more than 50,000 yuan at present. "Although there are not many, it's better to have them than not." Qiao Hui said that everyone's love allowed the whole family to see hope and strength.
"The promotion services outside of the circle of friends mainly have three major aspects: First, call on fans of our platform to donate; second, we will use some self-media channels to expand the scope of help so that more kind-hearted people who donate to see it; third, we also have some special resources, such as patients or families with college education or above, and we can contact graduates to donate." Gu Jianxun, legal representative, executive director and manager of Qingdao Yizhong Tongxin Network Technology Co., Ltd., told reporters, "Fundraising is a semi-charity thing. , It is not good to charge too much, so the platform has been operating for two years and has been in a loss state. However, the original intention of our platform was not to raise funds for listing, but to help patients with serious illnesses raise funds. At present, the shareholders' investment is enough. The key is to increase the scale of the platform first. "
, and major fundraising platforms such as Shuidichou and Qingshou have launched "0 handling fee fundraising" to provide free fundraising services for patients with serious illnesses. The fundraising is all used to rescue patients. The platform will not charge any fees during the fundraising process. Some platform founders even promised to the outside world that "no profit within 5 years." However, on search platforms such as Baidu and Sogou, bidding advertisements have been launched on platforms such as Qingshuo, Shuidichou, and Aixinshuo. On the advertising announcement page, it is generally shown that "the fundraising amount is high and the account is received quickly", and it is also proactively arranged for 1-to-1 guidance from the fundraising consultants to teach those seeking help step by step to raise more medical expenses.
is a hard-working marketing on the one hand, and the unprofitable "public welfare spirit". So, are these fundraising platforms really losing money and gaining publicity?
corporate industrial and commercial information disclosure website shows that the three representative major illness fundraising platforms, Aixincho, Qingshuo and Shuidicho, are all in the primary financing stage. In 2016, Qingdao Lianchuang Younei Information Technology Co., Ltd., behind the Love Fund platform, received nearly 10 million yuan in Series A financing led by Suzhou Jinshajiang Venture Capital. In July 2017, Beijing Qingshou Network Technology Co., Ltd., behind Qingshou, conducted a 28 million yuan Series C financing, led by a growth fund under IDG Capital. In August 2017, Beijing Zongqing Xiangqian Technology Co., Ltd., behind the Shuidichou platform, received a round A financing of 160 million yuan, led by Tencent and Lanchi Venture Capital, followed by Innovation Works, Gaorong Capital, IDG Capital, etc., which was far ahead of the other two companies in terms of financing amount. At present, the Love Fund Platform is preparing for a new round of financing.
reporters found that the above three platforms all have similar product structures and business models. Especially Shuidi Chou and Qingshou, there was news of the merger in April this year.Taking the product structure as an example, in addition to the free fundraising tool "××chou", the three platforms also have paid mutual aid products with membership system, such as Shuidi Mutual Aid, Easy Mutual Aid, and Love Mutual Aid. They also joined hands with well-known domestic insurance companies to launch commercial insurance or health insurance, such as Shuidi Insurance, Qingyi E Insurance, etc. Personal free fundraising tools + paid mutual aid plans + health insurance or medical services have become the three pillar products of such fundraising platforms. In addition, you can also see advertisements about health examinations, genetic testing, etc. on various fundraising apps. In addition to free fundraising tools, many profit channels give capital enough room for imagination.
Like many Internet models, the serious illness fundraising platforms are competing for "entry", using users' social networks to increase brand awareness, actively acquire customers, and attract traffic for their own ports. After the platform is scaled up, users will provide users with full-chain value-added services for medical and health needs, and ultimately realize the monetization of public welfare + commercial. It can be said that these Internet fundraising platforms are not completely free charity. They are charity on the one hand and business on the other. How to balance the two tests the positioning of the operating company itself.
, a love fundraising platform operated by Qingdao Lianchuang Younei Information Technology Co., Ltd., will also launch pre-patient protection and post-patient medical services to form a closed loop of medical transactions. According to reports, fundraising among patients has formed a good education scenario for serious illnesses. On the one hand, it can encourage healthy people to join the mutual aid plan and form a good health insurance education scenario, laying the foundation for the entry of Internet health insurance; on the other hand, it can access better treatment for families who are already sick and helping patients reduce expenses.
New things need new rules
Industry supervision mechanism is constantly improving the
serious illness crowdfunding platform online through the mobile Internet, and uses social networks, mobile payment and other technical means to help patients in troubled serious illnesses initiate, publish and disseminate help information more conveniently, so that donors can give their love more conveniently. However, as a new thing in the field of "Internet + Charity", the online fundraising platform for serious illnesses has no special legal norms at present, and the industry is still wandering in the gray area of supervision. "Online fundraising is a relatively new thing. Our fundraising platforms are all exploring and making progress, and there are still many shortcomings." Gu Jianxun admitted frankly.
is different from online fundraising initiated by charitable organizations. The personal serious illness help platform is not under the regulatory framework of the " Charity Law " that came into effect on September 1, 2016. There are currently no special legal norms. Since 2016, the Ministry of Civil Affairs has successively selected and designated two batches of Internet public fundraising information platforms for charitable organizations. Qingpin Charity operated by Beijing Qingpin Charity operated by Beijing Qingpin Charity operated by Beijing Shuidi Hubao Technology Co., Ltd. and Shuidi Charity operated by Beijing Shuidi Hubao Technology Co., Ltd. have been selected one after another. Love Foundation is supervised and guided by Zhonghui Love Charity Foundation, but the charity foundation is a non-public foundation established by Love Foundation. It does not have the qualification to raise funds publicly. The foundation's original fund is voluntarily donated by Love Foundation.
A staff member surnamed Jia from the Social Welfare and Charity Promotion Department of Qingdao Civil Affairs Bureau told reporters that the Charity Law stipulates that charitable organizations should obtain public fundraising qualifications for public fundraising. Organizations or individuals that do not have public fundraising qualifications for charitable purposes can cooperate with charitable organizations with public fundraising qualifications for public fundraising, and the charitable organizations should carry out public fundraising and manage the funds and materials raised. "The platform for individual help-seeking projects to publish information is neither the Internet public fundraising information platform designated by the Ministry of Civil Affairs nor the official channel of charitable organizations with public fundraising qualifications. It is suspected of violations."
is a supporting system of the Charity Law, the "Regulations on the Management of Services of Public Fundraising Platforms" stipulates that "in order to solve their own or their families' difficulties, individuals publish help-seeking information through radio, television, newspapers and network service providers and telecom operators, radio, television, newspapers, network service providers and telecom operators shall provide risk prevention tips to the public in a prominent position, informing them that their information does not belong to charity public fundraising information, and the authenticity of the information is the responsibility of the individual."However, without setting clear entry thresholds and regulatory responsibilities for online crowdfunding platforms, it is difficult to ensure that the platform itself has the motivation to try its best to verify the authenticity of the information of the seeker and the flow of funds raised by the supervision of the funds raised by the regulator.
At present, several major crowdfunding platforms require individual help project sponsors to promise: "The text and picture materials submitted are completely true, without any fictitious facts or concealing the truth, and there is no act of seeking help without authorization from others. Fundraising is only for medical expenses of the recipient. If there is any false content or funds for other purposes, they are willing to bear all legal responsibilities on their own. "After the initiator's commitment letter, the platform also stated, "The project information does not belong to charity public fundraising information, and the authenticity is the responsibility of the publisher. "
reporter noticed that last year, the Social Organization Administration of the Ministry of Civil Affairs summoned Qingshuo platform several times, criticizing it for its lack of strict review and control over personal help information and insufficient identification of the authenticity, objectiveness and integrity of the information. It requires Qingshuo to strengthen the review and identification of personal help information and trace responsibility, and effectively prevent risk prevention tips to avoid the public mistakenly referring to personal help fundraising. In August this year, the Social Organization Administration of the Ministry of Civil Affairs once again asked Qingshuo platform to actively publicize the difference between charitable fundraising and personal help requests, further strengthen the review, screening and public disclosure of personal help information, guide rational ministering, encourage the establishment of a blacklist of fundraisers' breach of trust, and prevent legal and moral risks.
A good news worth looking forward to is, 10 On the 19th of this month, three major platforms including Aixinchou, Qingshou, and Shuidichou issued the "Self-discipline Convention on Internet Service Platforms for Helping Severe Illness" and the "Self-discipline Initiative for Helping Severe Illness" in Beijing, making clear statements on the standardized processes of the entire industry, further strengthening platform self-discipline management, improving risk management level, improving social supervision mechanisms, and promoting the healthy and orderly development of the industry for helping Severe Illness, creating a good atmosphere of social integrity.
crowdfunding is not the "main force" for helping Severe Illness
A controversial question is, under what circumstances is it suitable to initiate helping Severe Illness? Is it because of illness that the whole family is at a loss, or is it because of illness that the quality of life declines?
Some individual seeking help concealed family assets and initiated help through the fundraising platform for serious illnesses, which caused social controversy. In August this year, a 37-year-old father in Hubei suffered from gastric cancer raised funds on the Qingchao platform, raising 300,000 yuan in more than 10 days. Later, some people online questioned that his family was rich and had a company under his name; in July this year, a mother in Guangxi initiated a personal request for help on the Shuidichou platform for her daughter who lived in the ICU. After raising more than 250,000 yuan in donations, netizens revealed that her family has multiple properties and several rice noodle shops...
related legal system does not stipulate what personal information should individual seekers publish. On several larger crowdfunding platforms for serious illnesses, the family property status and use of donations are optional supplementary content for credit enhancement. The platform No requirement must be made public. This non-mandatory information disclosure makes it unequal to the information of the helper and the donor. It is difficult for the donor to determine whether the helper should receive the donation and whether the helper can use the donation reasonably.
In this regard, some scholars have proposed that the law cannot limit the individual's right to seek help when he is in trouble, nor can he clearly define the "difficult". However, it should be reached that a serious illness is not a sufficient reason to seek help from the public. When an individual seeks help from the public, it is necessary to prove that the condition is true and the medical expenses are huge, but also to prove that the helper is in financial distress and unable to pay. These are crucial to the donor's judgment. Violating this rule does not necessarily lead to violations, but may be condemned by public opinion and damage his integrity.
Although the serious illness crowdfunding platform can help many patients and families raise funds to solve urgent needs, Ma Xuchao believes that the personal serious illness relief platform should be a "supplementary" function rather than a "main force" in the treatment of serious illnesses. When an individual suffers from a serious illness, he can first receive "rescue" through national medical insurance, commercial insurance, charitable organizations, etc. On this basis, if there is still a funding gap, the personal serious illness help platform can supplement the assistance.
In fact, major diseases have always received widespread attention from all walks of life.
As early as 2012, the National Development and Reform Commission and six other ministries issued documents requiring the establishment of a serious illness insurance system, with the reimbursement ratio not less than 50%. Recently, the National Health Commission, the Ministry of Civil Affairs, the State Council Poverty Alleviation Office, and the National Medical Insurance Administration jointly issued the "Notice on Further Strengthening the Special Treatment of Major Illnesses for Rural Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Poor Po At the same time, poor patients are subject to "diagnosis and treatment before payment", and there is no need to advance payment. When discharged from the hospital, just pay the part paid by the individual.
Qingdao City Relevant staff of the Civil Affairs Bureau told reporters that my country has established a social assistance system covering urban and rural areas. When an individual suffers from a serious disease, in addition to the most common medical insurance reimbursement, there are situations of "poverty caused by illness" and "poverty caused by illness". Funds can also be raised through formal charitable organizations, and medical assistance and temporary assistance can also be applied to the civil affairs department. Relevant policies can be learned through streets and communities.
reporter found that individuals raise funds through the crowdfunding platform for serious illnesses. The default fundraising time is usually only 30 days. Many times, they have to compete for connections and luck, and need to forward and support from relatives, friends, classmates, colleagues, and fellow villagers. Due to the narrow social scope of some patients, especially in rural areas, even if they initiate personal help through a fundraising platform for serious illnesses, the scope of online transmission is limited, and they still cannot raise the required treatment funds.
Dunbolan Town, Jimo District, Qingdao City Jiangjiazhuang Village 20-year-old girl Jiang Yan suffers from the rare disease "temporomandibular joint disorder syndrome" and needs 3 surgeries to eat normally. In order to raise the cost of surgery, his mother Hu Wenying thought of various methods such as housing mortgage loans, but she encountered a lot of trouble and was not eligible to apply for government serious illness assistance. In mid-September this year, Hu Wenying entrusted Jiang Yan's cousin to launch a personal help project on the Love Funding Platform, with the fundraising target of 130,000 yuan. However, when the project expired a month later, Jiang Yanjia raised only 8,681 yuan through the Love Funding Platform.
"Maybe because our circle of friends is too small, and the information for help has not been spread. Almost all the kind-hearted people who support us through love funding are from the same town. They knew about me as soon as possible," said Jiang Yan.
Ma Xuchao believes that in such a situation, the crowdfunding platform for serious illness should connect with charitable organizations to guide these individuals to provide charitable assistance through charitable organizations with public fundraising qualifications. It is understood that Qingshou is currently cooperating with charitable organizations such as the China Red Cross Foundation to connect patients with serious illnesses whose families are particularly poor and do not have the ability to seek help on a large scale to the foundation for online fundraising. Text/Photo Peninsula reporter Li Hongmei
[Source: Peninsula Metropolis Daily Editor: Keke]
