车险中遏制投保人道德风险的博弈策略分析

Game Strategy Analysis of Preventing the Insured's Moral Hazard in Auto Insurance Industry

针对车险中投保人既存在影响出险损失概率又存在影响出险损失规模的道德风险进行了研究,通过建立信号传递博弈模型,对投保人和保险人的博弈策略进行了分析并得出了解决投保人道德风险的应对之策。

The paper discussed the moral hazard in car insurance which not only affecting losing probability but also affecting losing scale model. By using the signaling games theory, this paper researched game strategy between the insured and the insurer, giving the solution of insured moral hazard on the insurer.