The Research On The Asymmetrical Information Of The Insurance And The Analysis Of The Instances

The market of insurance is a typical asymmetric informative market. The fact that most economists take the market of insurance as an example to study asymmetric information has already proved the severity that asymmetric information influences the market of insurance. Frauds of insurance resulting from the informative asymmetry of the market of insurance has become one of the main business risks that insurers have faced。No matter in links of accepting insurance or compensation and so on, the insurers have all taken measures to avoid behaviors unfavorable to them that the asymmetric information may initiate,such as the appearance of insurance contracts with franchise, maximal compensation and the adoption of the tactics unclearly at random for the insured's damage statement in the claims settlement procedure. They are all effective means used by insurers to solve the problems of the asymmetric information in the market of insurance. However,any tactics can be only tried hard to inhibit and lighten the impact of asymmetric information on the market of insurance, because the being of the asymmetric information is eternal. Further more, because of the diversification of the risk and the fast change of the environment of international economy, the way of asymmetric information impacting on the market of insurance is more and more complicated. So, in order to reach the goal of growing at a sustained, fast and sound manner in the insurance, we should study the impact of asymmetric information on the market of insurance, asymmetric information of the insurance activity in the market of insurance, Tactics of games and the behavioral law of each side in the market under the state of the long-term or short-term informative asymmetry and characters of the operation of the market, etc. The selected title of this thesis is exactly based on reasons described above. On the basis of past research, this text plans to carry on research to these respects proceed from the insurer's angle, such as the balanced competition that may appear in the asymmetrical market of insurance, both sides' tactics chosen in the course of compensating and the question of optimum allocation of risksThe innovation shows as follow:First, on means and ways, this text has drawn lessons from some models of insurance economics and used the game theory to analyze. Under the inspiration of the model of reversed choices in property insurances, the text analyzes models aboutthe market of car insurance;Second, combining the market situation of car insurance of our country, the text analyzes the fact of asymmetrical information existing in the market of car insurance in China and its characteristic,and puts forward the influence of asymmetrical information on the market of car insurance;Third, proposing the scheme solving the problem of asymmetric information of car insurance through models, and the recommendations to some policy of the market.