摘要
由于信息不对称,投保人既可能作出对保险人不利的逆向选择,也可能产生对保险人有利的顺向选择,目前的文献大都关注前者。本文在剖析逆向选择关于理性人假定不足的基础上,深入探讨投保人的心理气质或对待风险态度的差异与顺向选择的关系,指出保险市场上也存在顺向选择。保险公司在重视逆向选择的同时也应关注顺向选择,以兼顾投保人和保险人双方的利益。
The insured may make adverse selection unfavorable for the insurer or propitious selection favorable for the insurer due to informational asymmetry, Present literature pays more attention to the former situation. The article analyzed the inadequacy of assuming a rational person would make an adverse selection. It explored thoroughly the relation between the difference of personal psychological temperament or attitude toward risk and propitious selection. It pointed out that the insurer should pay attention to both adverse selection and propitious selection to give due consideration to interests of the insured and the insurer.
出处
《保险研究》
CSSCI
北大核心
2008年第10期19-23,共5页
Insurance Studies
关键词
顺向选择
心理气质或对待风险的态度
关注
propitious selection
personal psychological or attitude toward risk
paying attention to
