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从最近的一个新闻作为出发点,引出需要研究的道路交通事故社会救助基金申请难、运用难的问题。鉴于该救助基金处于试行阶段,各个实施细节未能完善,与之相关的数据也难以获取,选择采用规范分析的方法,运用信息经济学基本原理和博弈论方法,对救助金申请流程以及其中的各个主体的行为进行分析,当然,全部建立在理性经济人的假设之下。最后通过成本——效益分析原则,得出“双难”问题无非是各个主体所做出的符合自身利益最大化原则的最优抉择。最后对不同方面提出了政策建议,包括培养多元化人才以精简流程、拓宽资金来源以及加强宣传推广,使救助基金的作用落到实处等等。
From a recent news as a starting point, leads to the need to study the road traffic accident social assistance fund application difficult, the use of difficult issues. In view of the pilot phase of the rescue fund, the implementation details are not perfect, the data related to it is difficult to obtain, choose the method of normative analysis, using the basic principles of information economics and game theory methods, the grant application process and which Of course, all are based on the assumption of rational economic man. Finally, through the principle of cost-benefit analysis, we come to the conclusion that the problem of “double difficulty” is nothing more than the optimal choice made by each subject in accordance with the principle of maximizing its own interests. At last, some policy suggestions are put forward in different aspects, including cultivating diversified talents to streamline the process, broaden the sources of funds and strengthening the publicity and promotion so that the role of relief funds can be implemented.