| 信息不对称对保险业的影响及治理措施 |
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| 引用本文： | 刘彬. 信息不对称对保险业的影响及治理措施[J]. 经济与管理, 2006, 20(4): 76-79 |
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| 作者姓名： | 刘彬 |
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| 作者单位： | 河北经贸大学,教务处,河北,石家庄,050061 |
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| 摘 要： | 保险市场是一个典型的信息不对称市场,保险市场的不对称信息主要包括逆向选择和道德风险。保险市场信息不对称将导致保险市场资源配置的低效率,因此要加强保险市场信息披露,完善和发展保险技术,整顿市场秩序,以促进保险市场的健康发展。
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| 关 键 词： | 保险市场 信息不对称 逆向选择 道德风险 |
| 文章编号： | 1003-3890(2006)04-0076-04 |
| 收稿时间： | 2005-11-05 |
| 修稿时间： | 2005-11-05 |
The Influence of Informational Asymmetry on Insurance and its Solution |
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| LIU Bin. The Influence of Informational Asymmetry on Insurance and its Solution[J]. Economy and Management, 2006, 20(4): 76-79 |
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| Authors: | LIU Bin |
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| Affiliation: | Educational Department, Hebei University of Economics and Business, Shijiazhuang 050061, China |
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| Abstract: | Insurance market has typical asymmetry of information,which includes mainly restrores choice and moral risking.The informational asymmetry of insurance market will lead to the low efficiency of resource's distribution.So to ensure the healthy development of insurance market,it is necessary to strengthen the perfection of the information disclose,develop the insurance technology and rectify the market rules. |
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| Keywords: | insurance market informational asymmetry retrorse choice moral risking |
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