我国寿险公司可持续发展战略的博弈分析

Game Analysis of Sustainable Development Strategy in Life Insurance Companies

近年来,我国寿险业高速发展取得了良好成绩,但在我国经济发展方式转型的大环境下也面临着诸多内在问题。内在的矛盾和外在环境的变化对我国寿险公司提出新的要求,可持续发展能力已成为各家寿险公司急需面对和思考的现实问题。首先运用博弈论证明近年来我国寿险业广泛运用的"价格战"属于"囚徒困境",有损于行业利益最大化,而差异化的竞争策略有助规避价格战。再运用博弈模型证明在产品创新上大、小寿险公司间属于"智猪博弈",以解释多年来大公司积极创新、小公司搭便车的原因,而通过对大公司进行创新补贴能够鼓励行业创新。最后,基于博弈分析,分别对大型、中小型寿险公司以及监管机构提出相关发展建议。

Developing at high speed in recent years,life insurance industry in China has made a good achievement,while it is also facing many internal problems,coupled with the mode transformation of China’s overall economic development inner contradictions and external environmental changes proposing new requirement,ability of sustainable development should be an urgent and realistic problem to face and think about.Firstly,game theory is used innovatively as a tool to explore the price competition in life insurance industry.We can prove that the widely used price competition in insurance industry during recent years belongs to the "prisoner’s dilemma",and it’s detrimental to the maximization of industry interest,while strategy of differentiation competition can help the life insurance industry to avoid price war.Secondly,game analysis is used again to study the life insurance product innovation,proving that innovation in the insurance industry between large and small companies belongs to "Boxed Pig Game".It explains the reason over the years why large companies are active and small companies are free riding.Then personal opinions and suggestions are made on the previous proposed method which subsidies to large companies to encourage innovation.Finally,based on the game analysis,we can put forward relevant advice for the large,small and medium sized life insurance companies,as well as regulators.