基于博弈分析的电梯责任保险推广研究

Research on Promotion of Elevator Liability Insurance Based on Perfect Information Static Game Analysis

电梯责任保险可以发挥电梯事故赔偿和电梯安全风险预防的作用,本文探究了博弈论在电梯责任保险推广中的作用。在确定博弈主体的基础上,建立了以保险公司为承保方,电梯使用单位为投保方的博弈模型,并进行了博弈均衡分析,发现政府补贴是电梯责任保险顺利推广的必要条件。最终,针对电梯责任保险推广过程中的不同阶段提出了建议。

Elevator liability insurance can play the role of elevator accident compensation and elevator safety risk prevention.This paper explores the role of game theory in the promotion of elevator liability insurance.On the basis of determining the main players of the game,a game model with the insurance company as the underwriter and the elevator user as the insurant is established,and the game equilibrium analysis is carried out.It is found that the government subsidy is the necessary condition for the smooth promotion of elevator liability insurance.Finally,suggestions are put forward for different stages in the promotion process of elevator liability insurance.