《3.第六讲 家庭经济学上L.pptVIP

Signal screening 解决逆向选择问题的另一条途径为信号筛选。信号筛选是具有较少信息或处于信息劣势的一方通过某种方式获得所需要的信息，以提高决策的可靠性，是具有较少信息的一方对于具有较多信息的一方所进行的挑选。 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 为了解决保险市场上的逆向选择问题，保险公司可以给投保人提供2类保单。一种是适用于高风险投保人的，规定了较高的保险费和较高的赔偿额；另一种则是适用于低风险投保人的，规定的保险费和赔偿额都比较低。这样，不同的投保人通过选择不同的保险单，保险公司可以很容易将具有不同风险的投保人区别开来，而且付出的成本低，不需要去刺探投保人隐藏起来的信息。 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. （分离均衡）信号筛选可以使处于信息劣势的人获得所需要的信息，但是这是有一定的条件的，即具有信息优势的不同的经济主体不会模仿对方的信号。 强制保险－混同均衡 当市场信号可以通过买卖或造假获得时，市场信号的有效性就会降低。 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 有助于消除信息不对称的传统 童养媳 媒人：红娘。 青梅竹马 门当户对 彩礼 …… Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 剩男剩女的分析——总量还是结构？ 长沙相亲，男女比例1比2；天津相亲，男女比例1比3；广州相亲，男女比例1比6；上海相亲，男女比例1比10。越是大城市，越多大龄剩女。 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 温州初婚年龄统计 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 男女初婚年龄延后也是“剩”因 那么，为什么男女初婚年龄延后了呢？ Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 为什么说女人是好学校？ 男士的婚姻升水 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. Marriage Wage Premium On average married men earn between 5-40% more than never married men Controls for education, race, region, a