This paper analyzes dynamic decision and risk selection in different states by developing a stochastic game model for two companies with multi-steps of technological development.

通过建立两个企业多阶段技术开发随机对策模型，分析了在不同状态下企业的动态决策和风险选择。

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Because the competition has concentrated on risk selection, it has not had the desired bracing effect on medical providers, so health spending has kept on growing.

ECONOMIST: There must be a better way

In America, risk selection is tempered by the link between insurance coverage and employment, which means that insurers chosen by employers have to offer coverage to all employees.

ECONOMIST: There must be a better way

Our research indicates that insurers surveyed recognize the importance of risk analytics for a range of business processes including investment selection, risk selection and pricing, fraud management and loss reserving.

FORBES: Analytics May Help Insurers Confront New Risk Environment