投保人与保险人博弈关系分析

博弈论是研究信息不对称问题的一种有效方法 ,其广泛应用于军事、政治、经济等领域。保险业作为信息不对称最为集中的行业 ,投保人与保险人之间的信息不对称现象尤为突出 ,道德风险也极易发生。如何用博弈理论与方法分析这些信息不对称问题 ,并据此提出切实可行的解决方法 ,已成为保险界日益关注的问题。

Game Analysis between the Insurer and the Insured

Game Theory ic an effective method to study problems with asymmetric information. It has been widely used in military affairs, political and economic fields. Nash, Selten and Harsanyi had won the Nobel Prize of economics in 1994 because of their outstanding contribution to Game Theory. This indicates that Game Theory is of great importance in economics, especially in microeconomics. As we know, insurance industry is full of asymmetric information. Asymmetry between the insurer and the insured is the most popular one and Moral Hazard also takes place frequently. How to analyze these problems using Game Theory and how to find a practical way to resolve them have become important problems in the insurance industry.