逆选择,是指投保人所作的不利于保险人的合同选择。投保人在投保时往往从自身利益出发,作不利于保险人利益的合同选择,使其承担过大风险。在人身保险中逆选择表现为,有病者要求参加健康保险,职业危险性大的人要求参加意外伤害保险,死亡率高的人要求参加死亡保险等。故保险人对此种逆选择规律,均采取相应措施防范。
逆选择 adverse selection ; anti-selection ; adverse choice ; counter-selection
逆选择问题 adverse selection problem
逆向选择 adverse selection ; Adverse choice ; contrary choice ; Adverse
逆选择成本 adverse selection cost
最早的市场逆选择模型 AKERLOF MODEL
英文翻译逆选择 antiselection
风险和逆选择问题 adverse selection problem
逆向选择模型 Adverse Selection
逆向选择成本 adverse selection cost
逆向选择问题 Adverse Selection Problem ; self-selection bias
These perils are usually categorized as uninsurable risks by private insurers for reasons of adverse selection, inadequate spread of risk and difficulty in accurate loss assessment.
这些风险之所以不可保是因为逆选择、风险比较集中、巨灾损失难以估测等原因。
参考来源 - 巨灾风险融资机制与政府干预研究·2,447,543篇论文数据,部分数据来源于NoteExpress
第三部分是针对逆选择的补偿而引发的探讨。
The third part discusses the compensation of adverse selection.
然而由于信息不对称产生的逆选择及道德风险严重影响了农业保险的有效供给。
But the adverse selection and the moral hazard due to the asymmetric information have hampered the supply of the agriculture insurance.
林产品市场上信息不对称造成了林产品市场低效率,会产生逆选择和道德风险。
Information Asymmetry leads to lower economic efficiency in forest products market. It brings about adverse selection and moral risk.
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