关于的巨灾保险博弈

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1、关于的巨灾保险博弈关于的巨灾保险博弈导读：hina，ylevelisloore.Iftheseregionsareisolated，theirabilitytoagainstcatastropheriskislimited，andotherregionsoreforthatsuchasdonationsforthem.Somemeasuresshouldbetakentoencourageregionalcooperationincatas摘要：近年来，中国经历了许多巨灾。虽然今年年底将推出巨灾保险，中国在此领域还需进一步探索。旨在用博弈论的知识分析

2、即将推行的巨灾保险机制的不足之处，并提出合理性的倡议。　　关键词：巨灾保险；博弈分析；保险机制　　1673-291X（2011）03-0066-02　　　　1.TheCatastropheInsuranceSchemetoBeLaunchedattheEndofthisYearinChina　　Catastropheinsuranceschemeisexpectedtolaunchattheendof2010，ittedly，Chinahasmanyprovincesandtheeconomiclevelsandmainnaturaldisaster

3、smaybequitedifferent.Isthisreasonablethateachprovinceestablishingitsoiclevel，cisonekindofcatastropheaprovincesuffers，pistheprobabilityofthecatastropheoccurrence，aistheamountoflossandfinallyristheinterestrateofthecatastrophefund(catastrophefundinreinsurancerequiresloiclevelishig

4、her，thescaleofcatastrophefundislarger，thustherateofdepositinterestishigher.Ifthetthathindersthisregionalcooperationsystem.Thecatastrophetheseyearsshoylevelisloore.Iftheseregionsareisolated，theirabilitytoagainstcatastropheriskislimited，andotherregionsoreforthatsuchasdonationsfor

5、them.Somemeasuresshouldbetakentoencourageregionalcooperationincatastropheinsurancefundsystems.　　2.TentativeDesignofCatastropheInsuranceMechanisminChina　　Basedontheanalysisabove，atentativedesignofcatastropheinsurancemechanisminChinaisestablished.　　（1）Everyprovincesetsupitsoercia

6、lcatastropheinsurancetheyjustpaykpercentofthepremiumandthelocalcatastrophefundpaysthe1-kpercentpremium.Oncecatastropheoccurs，residentsercialcatastropheinsurance.　　（5）Ifresidentsdonotbuythemercialcatastropheinsurance，oncecatastropheoccurs，theyeAnalysisofTentativeDesignofCatastro

7、pheInsuranceMechanism　　Players:　　Player1:localcatastrophefund;Player关于的巨灾保险博弈导读：，s2g}Si={s1i=setup，s2i=notsetup}Sr={s1r=buy，s2r=notbuy}Sn={s1o，s2o}　　Payoffs:　　Supposethatfidonatestheamountofmoneyofcatastrophefundinprovincei，thanthenationalcatastrophefundf=∑mi=1sfi.xisthenumbero

8、fresidentsercialcatastropheinsurance，totalpre2:insuran