扫码即获推广权，无资质也赚钱！保险合规刀刃上跳舞的白鸽宝

Core Viewpoint - The rise of low-threshold insurance promotion models through social networks is raising concerns about consumer protection and regulatory compliance in the insurance industry [1][7][9]. Promotion Model - The "zero-threshold" promotion model allows individuals to earn commissions by sharing insurance products via social media without needing professional qualifications or training [1][6]. - Users can quickly generate personal promotion codes and earn money when others purchase insurance through their shared links [2][4]. Compliance Issues - The insurance industry in China is heavily regulated, requiring licensed institutions and qualified personnel to conduct insurance sales, which the current promotion model violates [9][10]. - Previous attempts at similar promotion models, such as the "Insurance Master" app, faced regulatory scrutiny and penalties, indicating a pattern of compliance risks [7][9]. Market Dynamics - The promotion model is characterized by a "share-and-earn" mechanism that incentivizes users to promote products, potentially leading to misleading sales practices [10][13]. - The lack of professional knowledge among promoters may result in consumers purchasing unsuitable products, exacerbating issues of sales misrepresentation [13][14]. Company Background - The parent company of the promotion platform, Bai Ge Bao, is seeking to go public in Hong Kong, indicating ambitions for growth despite ongoing regulatory challenges [15][16]. - Bai Ge Bao's business model focuses on providing insurance transaction services and digital solutions, but its high commission payouts raise questions about its classification as an "insurance technology" company [16][18]. Financial Performance - Bai Ge Bao has shown significant revenue growth but continues to operate at a loss, highlighting the financial pressures faced during its transition from development to commercialization [18][19].