西方经济学中的博弈论和效用理论为保险行业的自律奠定了理论基础。本文通过对博弈论中“罪犯两难处境”和效用理论的阐述,得出以下结论与启示:建立保险行业自律组织进行行业自律(尤其是其中的费率自律)是必要的,它能维护保险市场的正常秩序,避免保险市场的恶性竞争,从而使保险业向健康、有序的方向发展。 Game theory and utility theory in western economics have laid the theoretical foundation for the self-regulation of the insurance industry. This essay draws the following conclusions and enlightenment from the description of “criminal dilemma” and utility theory in game theory. The following conclusions and enlightenments are drawn: It is necessary to establish self-discipline in the insurance industry to carry out self-regulation of the industry (especially the rate self-regulation among them); it can safeguard the insurance market The normal order to avoid the vicious competition in the insurance market, so that the insurance industry in a healthy and orderly direction.