The Analysis Of The Oceanic Disaster Insurance Participants’ Model Based On The Coalition Games

Our country has put forward to build the blue economic zone, as the suggestion, the marine industry is gradually developing and becoming the pillar industry of national economy development. We are a one of the maritime power country, ocean contains the abundant resources, so we should pay attention to the enormous development space by the ocean brought about. But facing with environmental deterioration in the world, global warming, more and more problems such as resource depletion, the Marine disaster accelerate, bring about huge economic losses. So, the implementation the Marine disaster insurance, people can scatter and transfer Marine disaster risk by the means.Our country Marine disaster insurance pattern mainly including policy-holder, government, commercial insurance company collaboration model, but because of the existence of rational economic man, the body of the participating insurance for own benefit maximization, lead to disaster insurance participation pattern instability. Therefore, to research our country Marine disaster insurance participation pattern, introduce the re Marine disaster insurance to the mode, can effectively improve the efficiency of the Marine disaster insurance participation mode of cooperation, also can achieve long-term and stable cooperation.This article integrated body behavior characteristic of the Marine disaster insurance participation, league game as analysis tool, use nuclear and core for the interests distribution between different subjects in Marine disaster insurance participation mode, and reinsurance institutions will be introduced to the insurance mode, using Shapley value empirical analysis, and established long-term, stable participation mode of Marine disaster insurance, promoting the sustainable development of Marine economy.In my article, firstly, recommend the Marine disaster insurance, the Marine disaster insurance has quasi-public goods and positive externalities properties, and the Marine disaster insurance has adverse selection and moral hazard problems, so the marine disaster insurance is inefficient. The article mainly analysis tools is Shapley value, and build the league game model. Explaining the development of the disaster insurance market at home and abroad, compares the present situation of the disaster insurance market at home to abroad, analyzing the characteristics of the disaster insurance market. Then, through the Marine disaster insurance mode participation main body behavior characteristic, which can identify the article main analysis method. On the basis of the league game to policy-holder, the government and the insurance company involved in the Marine disaster insurance mode for profit distribution and the core of solving, found in this mode, there are multiple optimal allocation or does not exist a balanced interests distribution, and then introduce the Marine disasters reinsurance institutions into Marine disaster insurance participation mode, using the league game and Shapley value, the results show that the Marine disasters reinsurance institutions into Marine disaster insurance participation mode, more conducive to improve the insurance benefits and stability of cooperation. Finally, based on the empirical analysis results, put forward the proposal about our country Marine disaster insurance participation pattern, come true the dream that Marine disaster insurance participation model is feasible and sustainable.Paper main innovative discusses from the following several aspects:From the perspective of policy-holder, government and commercial insurance company, describe the participation behavior characteristics of the Marine disaster insurance mode, and to determine the analysis methods of Marine disaster insurance participation pattern. The classical mode of marine disaster insurance in broad are compared with domestic. Reinsurance institution will be introduced to Marine disaster insurance, in order to ensure Marine disaster insurance mode is more effective, more conducive to the interests of the Marine disaster insurance participation main body distribution. Analysis of Marine disaster insurance participation mode, use of the core and Shapley value analysis method based on the league game, making the suggestion about Marine disaster insurance in China is more efficient.