关键词: P2P保险, 道德风险, 比较静态分析

Abstract: With the rapid development of information industry and the wide application of Internet insurance, for recent years, a new type of insurance mode-P2P Insurance(Peer to Peer Insurance)has emerged in the world. This model is based on the Internet, through gathering a number of policyholders with similar risks to set up risk-sharing group. Members of risk support group are usually relatives, friends or acquaintances. Mutual supervision mechanism and reputation mechanism formed by P2P insurance can solve the moral hazard problem in the traditional insurance market. In this paper, using the comparative static analysis method in economics, we study the problems of moral hazard of P2P insurance and prove theoretically that under the P2P insurance mode, the policyholder tends to guard against the risk to reduce the risk probability, and the moral hazard problems can be effectively alleviated.

Key words: P2P insurance, moral hazard, comparative static analysis