第1个回答 2011-05-16
Abstract
Based on economic theory of asymmetric information, this paper analyses the asymmetric information of China's insurance market of the insured and the insurer's performance :adverse selection and moral hazard. Based on the risk of adverse selection and moral causes of the insured and the insurer, this paper proposed to curb the insured adverse selection、 moral hazard and insurers to curb the risk of adverse selection and moral advice. Finally, this paper discusses the micro-insurance policyholders of the curb adverse selection and moral hazard response. The reason for separate measures to analyse the micro-insurance is the specificity of the micro insurance to the customer base, product set as well as insurance and settlement of claims specificity.
Keywords: Asymmetric information; adverse selection; moral hazard
第2个回答 2011-05-16
==手工版==
The article (thesis) analyzes, on the basis of the economic theory of information asymmetry, adverse selection and moral hazards ---- two issues about information asymmetry between applicants and insurers in domestic insurance market. Based on causes for adverse selection and moral hazards, suggestions are provided on how to prevent adverse selection and moral hazards from both parties. Finally, policies preventing adverse selection and moral hazards from small-amount applicants are briefly discussed; with a specific emphasis on micro insurance business, because it aims at serving the special needs of customers and is unique in products portfolio, the application process and the settlement of claims.
Keywords: Information Asymmetry; Adverse Selection; Moral Hazards.