完全信息状态下保险市场主体间的静态博弈研究

保险市场主体的行为以及他们之间的复杂关系直接影响着保险市场的发展,特别是投保人的逆向选择、道德风险和保险代理人的违规操作广泛存在,长期困扰着保险界。本文针对投保人和保险代理人的问题行为,通过建立完全信息静态博弈模型,来深入研究保险人与投保人、保险代理人之间的博弈关系,探讨解决问题的现实对策。

The Complete Information of Static Game Modle for the Subjects of the Insurance Market

The behavior of the subjects of the insurance market and the complicated relations between them will affect the development of the insurance market directly,particularly the adverse selection,moral risk of the policy holder and the violation of insurance agent which exist extensively,perplex the insurance industry over a long time.this article aiming at the policy holder and the insurance agent with the problem behavior,by establishing the complete information of static game modle,research the game relation of the policy holder,insurance agent and the insurer,to study the realistic strategy of solving problem.