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一、保险中存在的信息不对称 信息不对称理论的内容可以概括为三点:(1)有关交易的信息在双方之间的分布是不对称的,即逆向选择模型;(2)交易完成后由于参与人选择错误行动引起的信息不对称,即道德风险模型;(3)交易双方对各自在信息占有方面的相对地位都是清楚的。一般说来,许多经济学家认为隐藏信息的道德风险和信息甄别模型与逆向选择模型是一回事,它们都是由于参与双方对相关信息占有的不对称,导致在交易完成前后分别发生
First, the information asymmetry exists in insurance The content of information asymmetry theory can be summarized as three points: (1) the information about the transaction is asymmetric between the two parties, that is, the adverse selection model; (2) after the transaction is completed (3) Both parties to the transaction are clear about their respective relative positions in information possession, because of the information asymmetry caused by the participants choosing wrong actions. In general, many economists consider the hidden moral hazard and information screening models of information as opposed to reverse selection models, both of which are due to asymmetries in the possession of relevant parties by both parties, resulting in separate occurrences before and after completion of the transaction