政策性保险对“互联网+金融”影响测度研究——基于多维信息不对称的视角

A Measure Research on the Policy-based Insurance's Effect on the "Internet Plus Finance" ——from the Perspective of Asymmetric Multidimensional Information

以博弈分析法为基础,并对风险类型和风险偏好等因素进行分析可获得参与人的行动规则和效用水平。以此研究政策性保险对"互联网+金融"的影响就会发现,政策性保险、风险无差异曲线、风险偏好和风险类型等因素对保险人零期望利润曲线影响较大。研究还发现,当高风险类型的概率足够低或项目获得政策性保险支持时,零期望利润曲线就向低风险无差异曲线倾斜,甚至有可能位于低风险类型无差异曲线之上。此时,各类风险水平的投保人都参与保险,不仅资金安全有保障,小微企业也能获得充足的低成本资金用于生产,进一步促进经济发展。

The participants' actions rules and utility levels would be revealed by analyzing the types and preferences of the risks on the basis of game theory. The research of policy-based insurance's impact on the 'Internet Plus finance' is conducted, which shows that there is a great effect upon the insurances' zero expected profit curve under the influence of policybased insurance, risk indifference curve, preferences and types of risks. Yet the research finds that when the probability of high-risk types is low enough or the project could obtain the policy-based supports, then the zero expected profit curve would be apt to low-risk indifference curve and even below it. Meanwhile, all kinds risk levels of the insurance applicant are involved in insurance, not only the funds can be safe but the small-micro enterprises make well use of it at low cost, further promoting economic development.