What this means in the insurance context is that if you offer insurance policies you will tend to attract people who are higher risk.
保险中选择性偏差的意思是,如果你提供某个险种,吸引的是承受该险种风险较大的人群
Subprime refers to mortgages, which is not the subject of today's lecture, but a subprime mortgage is a mortgage issued to a borrower who is not considered prime--not a good risk.
次贷指的是次级抵押贷款,这不属于今天的讨论范围之内,次级抵押贷款是发放给特殊借款人的,他们不是优质客户,也就是说风险较大
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