(2) After determined the moderate scale of the cooperation on macroscopic, this thesis applied the gambling model to analysis the agent risk in current bankassurance business on microscopic.

• （2）在从宏观上确定了银保合作的适度规模后，本文应用博弈模型对当前银保合作中的委托代理风险在微观层面上进行了深入分析。