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保险市场是典型的信息不对称市场,相对于一般市场来说,保险市场的“逆选择”和“道德风险”显得更加突出一些。“逆选择”和“道德风险”妨碍了保险市场的公平竞争。研究保险市场的“逆选择”问题对于维护保险市场的公平竞争,保障保险人和投保人的利益及完善保险制度有着重要的作用。本文对保险市场的“逆选择”问题作了初步的研究。
Insurance market is a typical information asymmetric market, compared with the general market, the insurance market “adverse selection ” and “moral hazard ” is more prominent. “Inverse selection” and “moral hazard” prevent fair competition in the insurance market. Studying the problem of “adverse selection” in the insurance market plays an important role in maintaining fair competition in the insurance market, protecting the interests of insurers and policyholders and improving the insurance system. This paper makes a preliminary study of the “inverse selection” problem in the insurance market.