保险市场中逆向选择模型的仿真检验

Simulation of Adverse - selection Model in Insurance Markets

本文用经济仿真的方法研究保险市场的逆向选择问题。用Object-c语言编制程序在swarm 平台上实现了Rothschild and Stiglitz关于保险市场逆向选择问题的经典模型的动态仿真,在此基础上对模型作了一点改进,并实现了改进模型的动态仿真,这两个仿真程序运行稳定,不但起到了理论检验的目的,而且通过该程序能对保险公司选择合适的保费提供一定的参考价值。

This paper researches adverse selection in insurance markets by means of economic simulation. A program is made by Object-c on the platform of Swarm to realize dynamic simulation of Rothschild and Stiglitz＇s classic model of adverse selection in insurance markets. Later, some improvements are made and the improved model is also put into dynamic simulation. Both the two simulation programs work well. So, this paper not only proves the theories, but also has some referring value on decision of premiums for insurance companies.