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由于信息不对称,投保人既可能作出对保险人不利的逆向选择,也可能产生对保险人有利的顺向选择,目前的文献大都关注前者。本文在剖析逆向选择关于理性人假定不足的基础上,深入探讨投保人的心理气质或对待风险态度的差异与顺向选择的关系,指出保险市场上也存在顺向选择。保险公司在重视逆向选择的同时也应关注顺向选择,以兼顾投保人和保险人双方的利益。
Due to the asymmetric information, the policyholder may not only make adverse adverse choices to the insurer, but also may have favorable choices for the insurer. The current literature mostly focuses on the former. Based on the analysis of the hypotheses about the adverse selection of rational people, this paper discusses in depth the relationship between the insured’s psychological temperament and the difference of risk attitude and the forward choice, pointing out that there is also a forward choice in the insurance market. Insurance companies should pay close attention to adverse selection as well as forward choice in order to balance the interests of both the insured and the insurer.