保险监管寻租模型分析

寻租理论产生于20世纪60～70年代，它是在经济学家讨论垄断、关税和政府管制所造成的社会损失的过程中形成和发展起来的。它为许多经济现象的研究开辟了新的视角，并且已经发展成为一个重要的分支学说。保险业作为一个具有自然垄断性质的行业，寻租行为自然不可避免。本文以寻租理论为基础，在寻租和监管的博弈模型基础上分析了寻租与监管的关系，以及如何减少寻租的发生，以促进保险业健康、快速发展。

The theory of rent-seeking came into being during the 1960--1970＇ s, and was developed during economists＇ argument about theories of monopoly, tariff, and the cost of government supervision. Many economic phenomena are re-explained by this theory, and now it has become a very important branch of economics. As a sector with natural monopolistic nature, rent-seeking activity is unavoidable in the insurance industry. The core of this paper is the relation of rent-seeking and supervision based on the Game Theory. It also analyzes how to decrease the scope of rent-seeking in the insurance industry to promote its healthy and rapid development.