财产保险价格联盟定价策略博弈分析

Analysis On Pricing Strategy Of Property Insurance Price-fixing Cartel By Game

运用博弈论,对由实力不同保险公司组成的价格卡特尔联盟中的大保险公司和小保险公司之间的博弈和定价策略进行分析。研究表明:在价格联盟确定的垄断高价和垄断低价下,小保险公司都应采取背叛策略才最有利;大保险公司则应通过控制价格联盟采取垄断低价/合作策略,这将有利于价格联盟稳定,也有利大保险公司更长时间保持市场优势地位。

Applying game theory, by the strength of different property insurance companies of consisting of the Price -fixing cartel in large insurance companies and small insurance companies between game and pricing strategy analysis, research shows that： in the Pricefixing cartel to determine the monopoly high price and the monopoly low price, small insurance companies should take a betrayal of strategy is best; large insurance companies by controlling the Price -fixing cartel should take the monopoly low price and cooperative strategy, which would be conducive to price Alliance stable, is also advantageous to the insurance company more time to main- tain market dominance. y