我国汽车保险市场逆向选择实证研究

An Empirical Study of Adverse Selection in China Auto Insurance Market

本文利用中国个人汽车险的实际数据,对逆向选择的理论模型进行了实证检验。结果显示,高风险类别的投保人在投保时确实趋向于购买更多的车损险保额,更低的车损险免赔额,从而验证了中国汽车险市场确实存在逆向选择现象。对比国际上成熟市场的相关研究成果,本文还就中国保险市场的发展和保险公司的业务创新提供了政策建议。

This paper empirically exams the adverse selection models by the data of China＇s personal automobile insurance market. Results show that higher-risk insurance policyholders do tend to buy more insurance amount and lower deductible, which proves there are indeed obvious adverse selection problems in China＇s automobile insurance market. The paper also provides some practical guides for China＇s insurance market development and insurance companies＇ business innovations after the comparison with the findings in the mature insurance markets.