| 风险分类对保险市场效率的影响分析 |
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| 引用本文： | 周海珍,陈秉正. 风险分类对保险市场效率的影响分析[J]. 保险研究, 2011, 0(4): 43-51 |
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| 作者姓名： | 周海珍 陈秉正 |
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| 作者单位： | 浙江财经学院金融学院,浙江,杭州,310018;清华大学,北京,100084 |
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| 摘 要： | 本文将社会福利作为衡量保险市场效率的标准,分析保险人的风险分类行为是否有助于信息不对称保险市场效率的提高.本文首先证明了信息不对称保险市场存在市场失灵,然后比较了实施风险分类前后社会福利的差异.结论表明:当保险市场处于R-S均衡时,准确性较高的分类能使社会福利得到改进,准确性不高的分类不能使社会福利得到改进;当保险市场...
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| 关 键 词： | 信息不对称 风险分类 社会福利 市场效率 |
Analysis on efficiency of risk classification in insurance markets |
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| Zhou Hai-zhen,Chen Bing-zheng. Analysis on efficiency of risk classification in insurance markets[J]. Insurance Studies, 2011, 0(4): 43-51 |
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| Authors: | Zhou Hai-zhen Chen Bing-zheng |
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| Affiliation: | Zhou Hai-zhen,Chen Bing-zheng |
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| Abstract: | Using social welfare as an index of market efficiency,the articles tried to analyze whether risk classification could improve efficiency of insurance markets with information asymmetry.At first,the article testified that there was market malfunction in insurance markets with information asymmetry;and then,comparing differences of social welfare before and after implementing risk classification,the article reached the conclusion:when the insurance market was in a R-S equilibrium,social welfare will be improv... |
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| Keywords: | information asymmetry risk classification social welfare market efficiency |
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