分析模型中最优保险合同中的风险分担与激励机制的特征。
It is analyzed that the characters of risk sharing and incentives in the optimal insurance contracts.
目前，我国保险人与保险代理人之间激励约束合同的制定尚不合理，只规定数量激励而忽视质量激励。
In current, the incentive contract is not very reasonable in China, which pays attention to the quantity of policy but the quality.
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