双重道德风险下保险公司的博弈分析

在双重道德风险下,保险公司若想使收益不减少,必须加大检查力度(成本),同时也要有相应的机制来约束和规避不良风险的发生。但是保险公司实施对投保人告知实情的奖励措施,虽然不会使保险公司受益进一步提升,但是却可以改善社会总福利。

Insurance company's game analysis in double moral hazard

Under dual moral risk,insurance company if wants to cause the income not to reduce,must increase the inspection dynamics (cost),simultaneously also must have the corresponding mechanism to restrain and the circumvention not good risk occurrence. But the insurance company implements to the policy holder informs the truth the reward measure,although cannot cause the insurance company to profit further promotes,but may improve the social total welfare actually.