信息不对称与我国保险市场的发展

Informational Asymmetry and China's Insurance Market Development

信息不对称是金融业运行中产生金融风险的主要原因。不对称信息对保险市场的影响尤为突出 ,在保险监管中 ,保监会与保险公司之间的信息不对称导致保险监管过程中的道德风险问题。在投保行为中 ,保险公司与投保人之间的信息不对称导致投保之前的逆向选择问题和投保之后的道德风险问题 ,情节严重的构成保险欺诈。因此 ,克服不对称信息对我国保险市场的负面影响是我国保险市场发展中面临的重要问题。

Informational asymmetry is the main cause of financial risk in the operation of financial operation.Asymmetric information affects the insurance market particularly obviously.In the process of insurance supervivion,moral risk may be caused because of the informational asymmetry between the insurance supervision committee and the insurance company.In the process of taking out an insurance policy,because of the informational asymmetry between the insurer and the insured,adverse option may appear before taking out an insurance policy and moral risk may arise after that,in the serious cases,insurance defraud may be constituted.Therefore solution to the negative influence,which is caused by informational asymmetry,on China’s insurance market is an important question facing China’s insurance market development.