基于利益相关者理论的投保人与保险人的博弈分析

Game Analysis on the Policyholder and the Insurer based on Stakeholders' Theory

目前我国不少保险公司把企业的短期边际利润作为唯一经营目标,保险人与投保人的利益冲突问题不容忽视。由博弈结果分析可知,投保人作为保险企业的利益相关者,其利益的保护和保险企业的长期发展息息相关。如果投保人利益长期得不到有效的保障,投保人会选择退出保险市场,这将影响到保险业的市场占有率、信誉和形象等等,给保险业的长期健康发展带来威胁。

Many insurance companies in China aim to pursue short time marginal profits, which leads to the interest conflict problems between insurers and policyholders. Through game analysis, it is clear that the policyholderg interest is closely related to the long-time development of insurance companies because the policyholder is the major stakeholder of the insurance companies. If their interest had not been protected efficiently for a long time, the policyholders would choose to quit from the insurance market. So, the conflicts will damage the reputation and market image of insurance companies, and therefore will threaten the long term healthy development of insurance industry.