信息不对称 asymmetric information卫生经济学.pptxVIP

逆向选择 Adverse Selection保险公司无法区分风险高和风险低的人。 保险费只反映了两类人的平均风险。因此高风险的人将购买保险，因为此时的保险费低于完全依照他们的风险确定的保险费。而低风险的人可能不会购买保险，因为此时的保险费高于完全依照他们的风险确定的保险费。The insurance company is unable to distinguish between high and low risks. The insurance premium only reflects the average risk of the two groups. Then, the high risk group will purchase insurance since a premium based on the average risk is lower than a premium based solely on their own risk. The low risk individuals may not purchase insurance since a premium based on the average would be greater than their own risk-based premium.逆向选择 Adverse Selection逆向选择将会