CHAP12_Social Insurance The New Function of Government 公共金融与 及公共政策课件.pptVIP

12.5 The Problem with Insurance: Moral Hazard;Social Insurance: The New Function of Government;Social Insurance: The New Function of Government;What Is Insurance and Why Do Individuals Value It?;What Is Insurance and Why Do Individuals Value It?;What Is Insurance and Why Do Individuals Value It?;Why Have Social Insurance? Asymmetric Information and Adverse Selection;Why Have Social Insurance? Asymmetric Information and Adverse Selection;Why Have Social Insurance? Asymmetric Information and Adverse Selection;Why Have Social Insurance? Asymmetric Information and Adverse Selection;Adverse Selection and Health Insurance “Death Spirals”;Why Have Social Insurance? Asymmetric Information and Adverse Selection;Other Reasons for Government Intervention in Insurance Markets;Other Reasons for Government Intervention in Insurance Markets;Flood Insurance and the Samaritan’s Dilemma;Social Insurance Versus Self-Insurance: How Much Consumption Smoothing?;Social Insurance Versus Self-Insurance: How Much Consumption Smoothing?;Social Insurance Versus Self-Insurance: How Much Consumption Smoothing?;Social Insurance Versus Self-Insurance: How Much Consumption Smoothing?;The Problem with Insurance: Moral Hazard;The Problems with Assessing Workers’ Compensation Injuries;The Problem with Insurance: Moral Hazard;The Problem with Insurance: Moral Hazard;Putting It All Together: Optimal Social Insurance;Conclusion