科技保险实施中三方不完全信息动态博弈分析

Analysis of the Practice of Scientific and Technological Insurance by Dynamic Tripartite Game with Incomplete Information

科技保险在我国实施近两年来,得到了社会各界的广泛关注,但同时也存在发展中的各种问题。通过构建科技企业、保险公司和政府三方不完全信息动态博弈模型,分析在三方信息均不完全条件下局中人的策略选择,从中发现三种博弈均衡状态及相应条件,指出应当针对现阶段我国科技保险的实际情况,恰当运用博弈分析结果,以推动科技保险工作深入开展。

The community in China has paid great attention to the implementation of scientific and technological insurance in the past two years, but there are some problems in the development course of scientific and technological insurance. Through constructing the dynamic tripartite game model with incomplete information among the technology corporation, the insurance company and the government, this paper analyzes the players＇ strategy choice under their condition of incomplete information, then obtains three kinds of game equilibrium and the corresponding conditions. At last, based on the status quo of actual situation and the result of the game,it proposes some suggestions that can promote the development of scientific and technological insurance thoroughly.