我国汽车保险道德风险博弈研究——基于投保人道德风险角度

从投保人的视角,利用博弈分析,研究我国车险市场存在的道德风险,力图通过为保险公司建立有效的调查机制、惩罚体系,减少车险公司因投保人一方的道德风险所引起的损失,增加车险的盈利能力。

Research on the game of the moral risk of the automobile insurance in China——Based on the angle of moral hazard insured

From the perspective of the insured, with the game, the study of moral hazard existing in China＇s insurance market, tries to construct punishment investigation mechanism, effective system for the insurance company, insurance company to reduce the moral risk caused by the insured party＇s loss, increase the profitability of insurance.