我国汽车保险道德风险博弈研究--基于投保人道德风险角度

摘要

从投保人的视角，利用博弈分析，研究我国车险市场存在的道德风险，力图通过为保险公司建立有效的调查机制、惩罚体系，减少车险公司因投保人一方的道德风险所引起的损失，增加车险的盈利能力。%From the perspective of the insured, with the game, the study of moral hazard existing in China's insurance market, tries to con-struct punishment investigation mechanism, effective system for the insurance company, insurance company to reduce the moral risk caused by the insured party's loss, increase the profitability of insurance.