自我国恢复国内保险业务以来,车险业快速发展。然而,汽车保险业迅速发展的同时也存在着令人担忧的问题——车险骗赔。据有关统计显示,我国每年汽车保险骗赔金额约占理赔总额的20%左右。从博弈论角度出发,根据保险公司理赔人员参与骗赔与否可分为两种骗赔博弈模型。针对这两种类型,可分别对保险公司内外部人员采取不同的措施。 Since the restoration of domestic insurance business in our country, the automobile insurance industry has developed rapidly. However, the rapid development of automobile insurance industry also has the worrying issue of auto insurance fraud. According to relevant statistics, the annual amount of car insurance fraud in China accounts for about 20% of the total claims. From the perspective of game theory, according to the claims of insurance companies to participate in fraud claims or not can be divided into two cheat game model. For each of these two types, different measures can be taken on the inside and outside of the insurance company.