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市场监管是经济学研究的重要问题,保险市场由于其具有的信息不对称性特征,更是监管研究和实践的重点领域。随着制度经济学的兴起和发展,博弈论方法在保险监管研究中也得到了很多应用。而在以往的相关研究中,大多采用的是双人博弈模型,从保险人与投保人或保险人与监管者之间的博弈关系入手,分析监管制度的产生和作用。本文从双人博弈模型入手,构建了新的包含保险人、投保人和监管者三方的博弈模型,从而更为准确地反映了保险市场的现实和主要参与者之间的相互关系,以及监管行为对市场各方参与者的影响。基于该模型得出的分析结论,作者给出了保险监管在制度设计和政策方面的某些建议。
Market regulation is an important issue in economics research. Insurance market is also a key area of regulatory research and practice because of its asymmetric information characteristics. With the rise and development of institutional economics, game theory has also been applied in insurance regulatory research. However, in the past related researches, the two-person game model is mostly used to start with the game relationship between the insurer and the policy holder or the insurer and the supervisor to analyze the emergence and function of the supervisory system. Starting with a two-player game model, this paper constructs a new game model involving three parties: insurer, policy holder and supervisor, so as to more accurately reflect the reality of the insurance market and the relationship among the key players and the regulatory behavior The impact of market participants. Based on the analysis conclusion drawn by the model, the author gives some suggestions on the system design and policy of insurance supervision.