The Insurance Fraud Game and Insurance Contract Based on Optimal Game Strategies
保险欺诈博弈与基于最优博弈策略的保险契约

Based on the incomplete information dynamic game theory and mechanism design theory, this paper firstly takes example for foging the loss and constructs insurance fraud game model . Then, It studies the Nash Equilibrium of the game and how buyers and sellers choose the optimal game strategy. On the one hand, the price of insurance policy that is making zero expected profit for the insurer is educed; on the other hand, the optimal insurance contract based on the optimal game strategy for both buyers and sellers is discussed. It also proves that the partial insurance policy is the optimal insurance for both sides.