社会保险市场上的逆向选择与公共政策干预:国际研究动态述评

随着社会经济的进步与发展,提供社会保险日益成为现代政府的重要任务,而信息不对称带来的逆向选择这一市场失灵问题是政府提供社会保险的主要经济依据之一。由此,近年来国际学术界涌现出一大批关于社会保险市场上逆向选择与公共政策干预问题的研究文献,在将理论与数据相结合以分析公共政策的福利影响方面出现了很多研究进展。本文就尝试对这一领域的研究进行总结与分析,为国内学术研究的开展与公共经济政策的设计提供有益借鉴。

Adverse Selection and Public Policy Intervention in Social Insurance Market:A Review of Foreign Literature

Along with the social economy development,the provision of social insurance is becoming an important task of the modern government. The problem of adverse selection caused by information asymmetry is one of the main economic basis for the government to provide social insurance. Thus,in recent years,it has emerged a large number of research literature on the adverse selection and public policy intervention on the social insurance market. A lot of studies have been made on the combination of theory and data to analyze the welfare effects of public policy. This paper attempts to summarize and analyze the research in this field,and provides a useful reference for the progress of domestic academic research and the design of public economic policy.