我国保险市场博弈分析  

作　　者：贺宁毅[1] 

机构地区：[1]西北农林科技大学,陕西杨凌712100

出　　处：《保险研究》2007年第11期17-18,11,共3页Insurance Studies

摘　　要：我国保险市场时时处处存在着博弈行为,包括保险政策与保险市场的逆向选择、保险公司与保险客户之间的零和博弈和保险公司之间的常和博弈,这对我国保险市场的建设提出了更高的要求。现今大金融背景下的博弈客观上要求保险业改变以往传统的竞争方式,通过战略联盟和兼并重组等方式实现金融业的合作博弈,并建立中央银行、财政部门和金融监管机构等有关部门之间的金融监管协调机制。Game activities are omnipresent in China＇s insurance market, including that between insurance policy and adverse selection of the insurance market, the zero-sum game between insurance companies and insurance clients, and cooperative game among insurance companies. This situation leads to a higher requirement on the cultivation of the insurance market. The game under the broad financial market requires the insurers to change its traditional mode of competition, but to achieve a cooperative game in the financial industry through forging strategic alliance, or merging and acquisition. There is also the necessity to establish a financial supervision coordination mechanism among the central bank, financial departments and financial regulators.

关 键 词：保险市场 逆向选择 零和博弈 常和博弈 合作博弈 

分 类 号：F840.32[经济管理—保险]