强制保险对提高市场效率的作用研究——基于对信息不准确保险市场的分析

Study of Compulsory Insurance in Improving Market Efficiency——Based on Analyzing the Misinformation in Insurance Market

本文以社会福利为衡量保险市场效率的标准,分析了在处于R-S均衡的保险市场中,如果有部分投保人低估自身风险,实施强制保险是否有助于保险市场效率的提高。作者首先证明了在存在逆选择现象的保险市场上,若有部分低风险投保人低估自身风险,则会使市场效率下降;然后通过比较实施强制保险前后社会福利的差异,得出结论:实施强制保险有助于社会福利的改善,从而可以提高保险市场效率。

Using social welfare as an index of market efficiency,the paper tries to analyze whether compulsory insurance can improve efficiency of the insurance market in R-S equilibrium with misinformation.At first,it testifies that the insurance market with adverse selection is a market with malfunction if the low-risk insured underestimates the risk;and then compares differences of the social welfare before and after implementing compulsory insurance.The paper shows that compulsory insurance can contribute to improving social welfare,and consequently improves market efficiency.