我国保险公司合作竞争的博弈分析

Cooperation and Competition in China's Insurance Sector:a Game Theory Perspective

竞争与合作相互依存,互利共生。纯粹的竞争或合作均不利于保险市场的健康发展。竞争抑或合作的最大困扰乃收益分配问题。通过构建博弈模型对我国保险公司之间竞争与合作的关系进行博弈分析,可以看到在完全信息静态博弈、非完全信息静态博弈和完全信息动态博弈三种情况下保险公司竞争与合作的难点,因此需要采取相应的对策。

Competition and cooperation often come in tandem.Mere competition and complete cooperation can impede and forestall healthy development of the insurance market.Over-competition and inadequate cooperation will weaken China＇s insurance sector.The biggest issue to healthy competition and cooperation is profit sharing.This paper constructs several models to identify the difficulty spots regarding cooperation and competition among China＇s insurance companies,namely perfect information simultaneous,imperfect information simultaneous and imperfect information sequential.Based on this modeling,this paper provides several responsive recommendations.