| 保险市场逆向选择与顺向选择共存研究 |
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| 引用本文： | 吉翔,周建涛,博科.保险市场逆向选择与顺向选择共存研究[J].保险研究,2009(9). |
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| 作者姓名： | 吉翔 周建涛 博科 |
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| 作者单位： | 北京航空航天大学经济管理学院;中国人寿保险股份有限公司青海省分公司; |
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| 摘 要： | 保险市场存在着逆向选择。经典逆向选择模型认为,风险高的人会购买更多的保险,但大多数实证研究表明保险市场还存在顺向选择。本文认为,逆向选择和顺向选择虽然对立,但共存于保险市场,在此基础上构建保险市场均衡模型,并进行了仿真研究。
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| 关 键 词： | 信息不对称 逆向选择 顺向选择 |
The coexistence of adverse selection and propitious selection in the insurance market |
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| Ji Xiang,Zhou Jian-tao.The coexistence of adverse selection and propitious selection in the insurance market[J].Insurance Studies,2009(9). |
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| Authors: | Ji Xiang Zhou Jian-tao |
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| Abstract: | There is adverse selection in the insurance market.The conventional theory of adverse selection held that the insurers would end up with high-risk individuals.However,most empirical studies showed that the real insurance market was not always like this,and there was a propitious selection in addition to adverse selection.This paper demonstrated that the two could co-exist in the insurance market,and it constructed a model to conduct an economic simulation research. |
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| Keywords: | asymmetric information adverse selection propitious selection |
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