The Study On Fraud Game Between Motor Wehicle Insurance Agents And Insurancer

Since the1980s China’s insurance industry resume the business, the insurance industry has developed rapidly and effectively,premium income grew much faster than the average growth rate of gross domestic product, according to authoritative statistics premium income growth reach the rate of30%. the motor vehicle insurance as the implementation of the marketing,the proportion reached70%at the end of2013. however, along with the development of motor vehicle insurance market and the economy, a lot of serious problems appeared, some data of the insurance show that insurance are experiencing serious motor vehicle insurance fraud, fraud of the total amount account the insurance payment of insurance proportion more than20%. This fraud not only affect the interests of insurance companies, also affect the interests of policyholders and beneficiaries. Then today’s insurance market due to the presence of information severe asymmetry between insurance agents and insurance, combined with the insurance company have no good and valid insurance agent incentives, resulting in China’s motor vehicle insurance market severe confusion, the insurance fraud between insurance agent and insurers is one of the most typical phenomenon, which severely affected the stability and development of the motor vehicle insurance market. In view of this, this article regard the game between motor vehicle insurance agents and insurancer as research subjects.Firstly, from the reality of China’s motor vehicle insurance fraud, we begin to analyzie the characteristics of the motor vehicle insurance and motor vehicle insurance market of insurance agents and insurers.as well as damage caused by fraud. Combined with relevant knowledge and methods of game theory, through analysis the game assumptions, establish relevant game model, at last analysisf the game model result, according to the game equilibrium outcome between insurance agents and insurers, we can design the game model anti-fraud strategy game.then we can reach the key point of this article, develop effective and reasonable insurer constraints and incentives for insurance agents in accordance with the anti-fraud strategy game. Hope to provide some reference of advice to motor vehicle insurance market agents and insurers, thereby protecting the healthy and stable operation of the motor vehicle insurance market.