区块链技术对传统保险的影响研究——基于风险分摊博弈模型
A Study on the Impact of Blockchain Technology on Traditional Insurance——Approach in Risk Sharing Game
庄尔覃 1常远 1郑宁宁 2冯天驰 1魏先华1
作者信息
- 1. 中国科学院大学经管学院 北京 100190
- 2. 中国科学院大学中丹学院 北京 100190
- 折叠
摘要
区块链技术的兴起标志着金融科技领域的一次重大变革.面对传统保险业由中心化模式带来的诸如信息不对称、高成本和低效率等问题,区块链技术与传统保险业的结合预示着保险行业的新篇章.在这一背景下,探索区块链技术在保险行业中的应用模式及其对传统保险模式的影响,是推动保险业创新发展的关键.本研究探讨了区块链技术对保险中风险分摊机制的影响,通过优化投保人在区块链保险中的预期效用,构建了最优风险交换结构;此外,本研究对比了传统保险、点对点(P2P)保险和区块链保险的特点与差异.研究结果表明:相比P2P保险,区块链技术提高了投保人之间的最优风险交换比例,且这一比例与区块链保险的市场化收费比例正相关.此外,区块链保险可以给投保人带来更多的预期效用,对于保险业的长远发展具有促进作用.
Abstract
The emergence of blockchain technology signifies a significant transformation in the field of financial technology.Faced with issues such as information asymmetry,high costs,and inefficiency inherent in the centralized model of traditional insurance,the integration of blockchain technology with the insurance industry heralds a new chapter.Under such circumstance,exploring the application models of blockchain technology in the insurance sector and its impact on traditional insurance models is crucial for driving innovation in the insurance industry.This study investigated the influence of blockchain technology on risk-sharing mechanisms in insurance.Through optimizing the expected utility of policyholders in blockchain-based insurance,an optimal risk exchange structure was constructed.Furthermore,this study compared the characteristics and differences between traditional insurance,peer-to-peer(P2P)insurance,and blockchain insurance.The results of the study indicated that compared to P2P insurance,blockchain technology enhances the optimal risk-sharing ratio among policyholders,and this ratio is positively correlated with the market-based pricing ratio of blockchain insurance.Additionally,blockchain insurance can provide policyholders with greater expected utility,thereby promoting the long-term development of the insurance industry.
关键词
区块链技术/保险/风险分摊/随机收费/博弈论Key words
blockchain technology/insurance/risk sharing/stochastic charge/Game Theory引用本文复制引用
基金项目
国家自然科学基金面上项目(2019)(71932002)
出版年
2024
NETL
NSTL
万方数据