我国车辆保险市场信息不对称问题分析

The Analysis of Asymmetric Information in Automobile Insurance Market in China

本文选择了我国一家财产保险公司2014年1月1日～2015年12月31日内的样本保单，选择车辆损失险、全车盗抢险、车身划痕损失险、新增设备损失险和自燃损失险作为研究对象，基于不相关概率单位回归模型和二元概率单位回归模型两种参数检验方法，进行信息不对称检验。检验结果表明，以上五种车辆保险均存在一定程度的信息不对称情况，其中主险车辆损失险和附加险车身划痕损失险较为严重，附加险新增设备损失险的信息不对称情况稍好，其他两个险种的信息不对称情况相对较轻。在此基础上，本文对可能造成这种情况的原因进行了简要分析。

The paper selected five kinds of automobile insurance sample polices, namely, vehicle damage insur- ance, vehicle robbery and theft insurance, vehicle scratch insurance, new equipment damage insurance, and sponta- neous combustion insurance of a Chinese P＆C insurance company during the period of 1.1. 2014 -12.31. 2015, and used Unrelated Probit Regressions and Bivariate Probit Regression to conduct the empirical testing of informa- tion asymmetry. The result showed that asymmetric information existed in all the five insurances to different de- grees. Specifically speaking, the problem was more serious in vehicle damage insurance as a primary plan and vehi- cle scratch insurance rider than in the new equipment damage insurance rider; this problem is of minor significance for the remaining two types of insurance. Based on this phenomenon, the author elaborated on the reasons within.