Baidu “mutual aid of lights” announced a few days ago that the number of members participating in the scheme is less than 500000. In order to protect the rights and interests of users, the scheme is terminated according to the legal provisions. According to the content of the announcement, the lamp mutual aid plan will be offline on September 9, 2020, and will be launched in a low-key month. So far, baidu lamp mutual aid plan has not been in operation for a year, and the first apportionment case was opened in July this year. < / P > < p > it is no different from other network mutual aid platforms. The light and light mutual aid program continues the product design of “one person is sick and everyone shares”. It can be added with 0 yuan. The mutual aid covers malignant tumors and 99 Kinds of severe diseases, and the maximum mutual aid fund is as high as 500000 yuan. < p > < p > at the beginning of its launch, the lamp mutual aid program stated in its attached “critical illness mutual aid program terms” that when the number of members is less than 5 million, the mutual aid program can be terminated or adjusted on its own initiative. The offline is also due to the participation of members did not meet the standard. But the embarrassment is that after 10 months of operation, the result is more embarrassing than expected, which is less than one tenth of the original set limit of 5 million. < / P > < p > the combination of network mutual aid and large traffic factories was once regarded as a natural match. For network mutual aid, large factories have a natural flow entrance and a huge user group; for Internet giants, through the network mutual aid platform, not only can we achieve low-cost customer acquisition, but also get a good conversion rate of commercial insurance. But this certain law, obviously in Baidu here “flameout”. In fact, as early as in the beginning of the launch, baidu lamp mutual help operation effect is not satisfactory. In its mutual assistance, the informant joined the program; online 10000. In contrast, Alipay’s “mutual treasure” on the line of the month of the U. S. group mutual help tens of thousands of lines. < / P > < p > however, compared with the above two head platforms, Baidu has lagged behind in its launch of mutual assistance with lights. By the end of 2019, the track of network mutual aid has been slightly crowded, but if compared with the late arrival of < / P > < p > in June this year, the new product “Xiaomi Huzhu” will be officially launched on June 15, with only two days’ notice, and more than 20000 users have made an appointment for Xiaomi Huzhu. As of August 12, online people have been online. In the industry, Baidu’s failure in network mutual aid is closely related to Baidu’s blunders in product design of lamp light mutual aid program. < / P > < p > there is neither an official website nor a wechat official account entrance. The entry threshold of Baidu denghuo mutual aid has long been criticized. In addition, the conditions for joining the mutual help of lights include registering and logging in baidu account, completing Baidu real name authentication, opening Baidu flash card and agreeing to entrust deduction agreement, as well as other relevant conditions. In addition, as an Internet insurance product, the lamp mutual aid program is neither placed in the financial system of duxiaoman nor in the public welfare system of Baidu. And in the payment system, mutual aid need to open Baidu flash payment to join, to a certain extent, also improve the threshold of joining. In this respect, the number of participants is not expected, baidu lamp mutual aid program is not alone. < / P > < p > according to incomplete statistics of interface news, in the current mainstream network mutual aid platforms, only mutual protection, water drop mutual aid, meituan mutual aid and easy mutual assistance users exceed 10 million. The users of Didi’s dididihu and Sina mutual aid under Didi’s Sina mutual aid are of the order of millions, with a maximum of less than 5 million. This is enough to prove that when the network mutual aid traffic dividend is nearly exhausted, even the old brand traffic giants are hard to withstand the pressure of getting customers. Two fold halberd insurance license plate, network mutual aid aphasia again, before the lamp light mutual aid online, baidu is not smooth in the layout of insurance. As early as 2015, baidu had planned to set up Baian insurance jointly with Allianz Insurance and Hillhouse capital to carry out travel insurance, health insurance and Internet financial insurance. Baidu CEO Robin Li said at the conference speech: “now this is a new insurance company and a new venture, but in the future, I hope its scale can surpass high allocations, surpass Baidu and exceed Allianz.” However, up to now, the preparation of ba’an insurance has not been officially approved by relevant departments. At present, Allianz has already identified new partners for cooperation, and has introduced < / P > < p > in 2016, Baidu and China Pacific Insurance Co., Ltd. jointly initiated the establishment of a joint-stock property insurance company. Both sides intend to enter the Internet vehicle insurance in the form of an Internet insurance company. However, 800 days later, a notice from China Pacific Insurance Company officially declared that the plan to cooperate with Baidu to establish a property insurance company mainly engaged in vehicle insurance business failed. < / P > < p > Baidu, which lost its insurance company license twice, turned to insurance broker license in 2017. In July of that year, Penghuan asset management, a subsidiary of Baidu, wholly acquired Heilongjiang Lianbao Longjiang insurance brokerage Co., Ltd., and increased the registered capital to 50 million yuan, so as to obtain the qualification to engage in Internet insurance business and obtain the insurance intermediary license. After obtaining the license, in early February 2018, baidu launched the insurance platform and added “insurance section” to the pages of Baidu wallet and Baidu financial management, mainly involving medical insurance, serious illness insurance and travel insurance, with a total of 10 products. < / P > < p > belongs to ant insurance, and Baidu insurance products still have a low sense of existence. Now the lights mutual aid program offline, baidu or in the network mutual aid again into aphasia.