中国健康险市场逆向选择和正向选择并存现象的研究

本文以中国的健康险市场为例,考察不对称信息的影响。通过考察投保人投保金额以及附加险选择和索赔情况的相关关系,论文发现事后出现索赔的投保人,事前往往会选择购买附加险,但是投保金额却相对较低。结合理论模型分析,论文认为投保人在财富、风险偏好等方面的异质性以及信息不对称的存在是导致市场同时出现逆向选择和正向选择的主要原因。

The Coexistence of Adverse Selection and Advantageous Selection Phenomenon in China's Health Insurance Market

This paper empirically tests the asymmetric information models by using the data of Chinas personal health insurance market.The results show that higher-risk policyholders tend to buy more additional insurance, but less insurance amount,which seems contrary to the standard model's prediction.The theoretical analysis shows that it is the heterogeneity in policyholders' wealth and risk preference and the asymmetric information that leads to the coexistence of adverse selection and advantageous selection in Ch...