Abstract: Based on the characteristics of large-scale emergency disasters relief, this paper presents a tripartite game model to research the behaviors of the central government, the local government and victims. The study characterizes the optimal state of equilibrium among the players and provides insights into the related institutional arrangement. Next, the study analyses the moral hazard problems of the local government and victims. It shows that the outcome of the game is not efficient and some suggestions are given to enhance the efficiency. Finally, it analyses the merits and shortcomings of the model and presents some concrete proposals for improvement.