投保人行为风险的衡量

Behaviour Risk of Applicant Measurement

如果经济活动的一方利用合理合法的规则进行决策时,同样可能给对方带来损失,这种可能的损失表现的风险,笔者将其定义为行为风险.这种风险可能与道德因素有关,也可能无关.投保人投保后,其决策环境就发生了变化,他的不确定风险减少和消失,对于他的决策来讲,减少预防损失的投入和更具冒险性是理性而且合法的,从而给保险公司带来了行为风险.通过对行为风险的分析,保险公司可以开展进一步的风险管理和调整价格.

When deeisioner makes a decision rationally and legally, the other of the game will face behaviour risk. It is different from moral risk. When an applicant buy the insurance, he will reduce investment of prevention and become more risky. So insurer faces behaviour risk. By the analyse of behaviour risk, insurer can manage risk better and adjust the premium rate.