我国车险市场道德风险的博弈分析

车险已成为我国产险的龙头险种,但由于信息不对称,车险市场道德风险已严重制约产险业的发展。各利益主体为自身效用最大化不断博弈的最终结果,使得车险市场整体运行效率大打折扣。本文运用博弈论的研究方法,通过构建博弈模型,对投保人、保险人、保险代理人以及汽车修理商四方行为主体的道德风险进行博弈分析,探寻其最优策略,并给出对策建议。

Game analysis on the moral hazards in the auto insurance market in China

Auto insurance has already become the core business of the property insurance industry in China.But its further development has been greatly hindered by the existence of moral hazards arising from information asymmetry.The juggling among various parties to maximize their own benefits has greatly weakened the efficiency of the auto insurance market.By using the game theory and methodology,this paper constructed a gaming model,and made an analysis on the moral hazards in relation to the insured,the insurer,in...