Motor Vehicle Insurance Anti-Fraud Dynamic System Based on Tripartite Evolutionary Game

Insurance fraud not only increases the burden on policyholders but may even affect the normal operation of insurance companies. Based on the assumption of bounded rationality, this article establishes the tripartite evolutionary game matrix for policyholders, insurance companies, and government departments. In this article, Gaussian white noise is introduced to simulate the random interference encountered by each subject in the evolutionary game, and the evolutionary stability strategy of the tripartite stochastic evolutionary game under different conditions is discussed. Considering the importance of fraud recognition rate, the recognition accuracy rate is introduced into the stochastic evolutionary game, and the necessity of introducing fraud recognition rate into the game is proved by simulation. In the context of society, we have joined the government supervision department into the game and realized the supervision mode of social co-governance by using the social public opinion to reward and punish the government reputation.