Game Analysis Of Motor Vehicle Insurance Fraud

With the rapid development of automobile industry and the improvement of people’s living standard, automobile has entered ordinary families.According to the Ministry of public security statistics, Chinese car retains the quantity amounts to 154 million by the end of 2014. It only less than America, ranking second place in the word.Undoubtedly, the increasing cars will promote the development of the motor vehicle insurance business. The insurance companies focus on the auto insurance business and auto insurance become more important in the company’s business expansion. Auto insurance business development accompanying auto insurance fraud is the title of the increasingly serious.Auto insurance fraud has became the shackles of insurance companies and even the whole motor vehicle insurance market. Therefore,motor vehicle insurance fraud brings a lot of harms to us, it not only reduce the operating profit level of the insurance company, but also cause a series of social problems, such as the impact of social stability.Therefore,understanding the reasons of motor vehicle insurance fraud specific forms and fraud risks, not only has a positive significance to the development of insurance company anti insurance fraud,but also give full play to the insurance of dispersing risks, economic compensation function, the protection of the rights and interests of other insured and has a very important practical significance to maintenance social stability.Thispaper takes the motor vehicle insurance fraud problem as the research object, and analyzes the reasons of the insurance fraud from the game theory, and puts forward some feasible suggestions.This paper begins with the concept of insurance fraud, the form of motor vehicle insurance fraud, the basic knowledge of insurance game theory and insurance market information asymmetry.Those lay the theoretical groundwork for the following writing. This paper mainly uses the method of game analysis has carried on the analysis to the motor vehicle insurance fraud. This paper analyzes the motor vehicle insurance to the insured party(the insured, insurance applicant, the beneficiary) moral risks, through the establishment of incomplete information dynamic game model, in the insurance side to take mixed strategies showed that the insured has no fraud under some constraint condition. Secondly, the insurance agent fraud. In the insurance market, the insurance and the agent incomplete information static game model in the auto insurance business development in the process of analysis, were never introduced rewards and punishment system and the introduction of the two aspects of reward and punishment system to carry on the analysis, thus obtains the introduction of rewards and punishments after agents reduce fraud probability and the supervision of insurance companies the agent cost and punishment are the factors affecting the insurance agent work hard whether. Thirdly, this paperintroduces the insured and the third party with conspiracy to defraud the situation, through the analysis of the game model that the influence factors of the insured and the third party collusion fraud, and puts forward the measures.