To solve the problem of adverse selection and moral hazard, accounting is characterized decision usefulness and the validity of contract.

为解决逆向选择和道德风险问题，会计被赋予决策有用性和契约有效性的功能。

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However, with the information asymmetry, when Banks select the price of loan according to the average risk level of borrowers, the problem of adverse selection appears.

指出在信息不对称的情况下，贷款银行根据信贷市场上借款企业的平均风险类型所制定的贷款价格如何产生逆向选择问题。

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As Andy Maguire of the Boston Consulting Group points out, there is also an adverse-selection problem.

正如波士顿咨询集团的Andy Maguire所指出的，同样还有逆向选择问题。

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One powerful way to combat the adverse selection problem is to give insurers larger, more diverse pools of customers to deal with.

FORBES: Here's How Stripping Down Health Care Reform Benefits to the Bare Bones Will Backfire and Drive Up Costs