保险欺诈行为的博弈理论分析

内容摘要：保险业是当代金融的支柱产业之一，保险业的健康发展对一个国家的社会稳定、经济发展有着重大的意义。然而，由于保险市场中存在着严重的信息不对称，保险欺诈自保险诞生之日起，就与保险活动如影随形。当前，保险欺诈现象呈上升趋势，已成为保险业发展的最大威胁之一。本文先是对保险市场中存在的保险欺诈的当前现状、定义、表现形式和危害作了简要描述，在表明了信息不对称是导致保险欺诈的本质根源之后，说明了本文主要研究的是投保方的欺诈，并按信息不对称发生时间将信息不对称分为逆向选择和道德风险，之后又阐述了博弈论的相关理论。然后结合博弈论与保险学的相关知识，构建了保险欺诈博弈模型。对逆向选择模型和道德风险模型进行有效分析，再在此基础上探讨降低保险欺诈的有效方法。

关键词：保险欺诈, 博弈理论，逆向选择，道德风险

Game Analysis of Insurance Fraud
Abstract：Insurance industry, whose wealthy development means great significance to a country’s social stability and economic development，is one of the backbone industries of modern finance . However, because of significant asymmetric information in insurance market，insurance fraud appears since the birth date of insurance．Nowadays，insurance fraud has taken place more and more and has become one of the greatest threats of insurance development． In this article, first ,the author makes a brief description of the present situation，definitions, expressions and hazards of insurance fraud in the insurance market .Second, after showing that the asymmetric information is the root of the insurance fraud, the author explains that the main research of this article is the insured cheat, and Insurance fraud which is caused by asymmetric information can be divided into adverse selection and moral hazard．then This chapter discusses the contents of the above and makes a brief exposition about related game theory．Third, combined with game theory and the related insurance knowledge, the author builds the game models of the insurance fraud. Four, On the basis of preceding analysis，this author brings up the measures to reduce insurance fraud combining the actual situation of our country．
Key  words：Insurance Fraud，Game Theory，Adverse Selection，Moral Hazard

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