Reach On Moral Hazard And Insurance In Utility Theory

This article has mainly studied the relationship between the moral hazard and the supervising level of insurer and the weath level of injurer in insurance. Through establishing simple model, we analysis the moral hazard problem in different supervising levels of insurer and in different wealth levels of injurer. Using utility theory and basic kownledge of insurance, we draw related conclusion though certain comparisons. The moral hazard problem in this article is measured by the care level of injurer. We also generalize the influence of moral hazard in insurance, anlysis the moral hazard combined the fact and propose some corresponding policies. This has certain actual value. The concrete content approximately is divided into five chapters:The first chapter is the introduction, divided into three small parts, mainly introduces the background and the significance of the article reseach, the domestic and foreign reseach situation of moral hazard and insurance, as well as briefly introduce the structure of this article and the possible innovations.The second chapter mainly introduces the prearrangement knowledge and the basic hypothesis of the model.The third chapter and the fouth chaper are the main parts of this article. In these part we analysis the moral hazard problems in different supervising level of insurer and in different wealth level of injurer. We also draw the corresponding conclusions through the comparisons.The fifth chapter is divided into three small parts, we generalize the reasons of moral hazard, anlysis the moral hazard combined the fact and propose some corresponding policies.