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信息不对称与非逆向选择 被引量：6

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摘要 信息不对称引致逆向选择是信息经济学的重要观点。然而,实证研究对此提出挑战,学者们仅在部分保险市场发现逆向选择,还有大量市场出现正向选择或不相关选择。非逆向选择现象引起学界对传统信息不对称理论的反思,通过修正理论假设重新审视保险市场运行。学界研究表明,在双向信息优势、多维异质性和不完全风险分类假设下,保险市场可能出现逆向选择、正向选择或不相关选择。非逆向选择问题研究形成对传统信息不对称理论的拓展与完善,同时得到大量实证研究支持。
作者 李连友 罗帅
机构地区 湖南大学金融与统计学院
出处 《经济学动态》 CSSCI 北大核心 2014年第5期125-132,共8页 Economic Perspectives
基金 国家社会科学基金项目<新型农村合作医疗保险风险管理研究>(项目批准号:12BGL091) 教育部博士点基金项目<基于不确定条件决策的社会医疗保险欺诈行为研究>(项目批准号:20120161110005)
关键词 非逆向选择 双向信息优势 多维异质性 不完全风险分类
分类号 F062.5 [经济管理—政治经济学]
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参考文献45

  • 1Abaluck, J. J. Gruber (2011), "Choice inconsistencies among the elderly: Evidence from plan choice in the Medicare Part D Program", American Economic Review 101 (4) : 1180-- 1210.
  • 2Ai, J. et a1(2012), "Equilibrium and welfare in insurance markets with unobservable consumer naivete", CCFR Working Paper.
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二级参考文献16

  • 1袁世新,梁浩材.中国农村居民患病影响因素分析[J].中国农村卫生事业管理,1989,9(9):48-51. 被引量：1
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  • 5Cawley, John and Tomas Philipson, 1999, "An empirical examination of information barriers to trade in insurance. " American Economic Review, 89, pp. 827 -846.
  • 6Chiappori, P. A. , 2000, "Econometric Models of Insurance under Asymmetric Information," in Dionne, ed. Handbook of Insurance, London: Kluwer.
  • 7Chiappori, P. A. , and B. Salanie, 2000, "Testing for Asymmetric Information in Insurance Markets," The Journal of Political Economy 108, 56 - 78.
  • 8de Meza, David and Webb, David C. 2001, "Advantageous selection in insurance markets. " Rand Journal of Economics, 32, 249 - 262.
  • 9Dionne, G. ,Gourieroux, C. and Vanasse, C. , 2001, Testing for Evidence of Adverse Selection in the Automobile Insurance Market: A Comment, Journal of Political Economy 109,444 -453.
  • 10Pauly, M. , 1986, "Taxation, Health Insurance, and Market Failure in the Medical Economy," Journal of Economic Literature, 24, 629 - 675.

共引文献11

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二级引证文献23

经济学动态
2014年 第5期

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