信息化经济管理学与财务知识分析.pptVIP

信息不对称 Asymmetric Information信息问题 Information Problems患者——缺乏信息，也没有能力识别质量 Patients—lack of information and inability to discern quality保险方——缺乏参保者的健康状况信息 Insurers—lack of information about individual’s health background逆向选择 Adverse selection假设有10个低风险的人和10个高风险的人，高风险的人预期的医疗保健费是1000美元，低风险的人预期的医疗保健费是100美元。医疗保险费的确定基于平均的预期医疗保健费，也就是550美元Suppose there are 10 low risk people and 10 high risk people, the high risk people’s expected health care expenditure will be $1000, the low risk’s will be $100. The health insurance premium is based on average expected expend