从道德风险视角看网络安全保险市场的挑战

The challenge of network security insurance market from a moral risk perspective

网络安全风险日益成为困扰市场健康发展的重大问题。除了加强自身安全投资外,网络安全保险成为越来越多的选择,也被广泛看好。但信息不对称和网络安全特质带来了挤出效应和逆向选择等两大道德风险,前者是保险会挤出投保人自身的安全投资,从而增加了整个社会的网络风险;后者是出于间接损失的存在,导致被保险人做出免于索赔的逆向选择,长期中影响投保意愿,损害网络安全保险市场的发展。本文通过文献梳理和理论建模的方法对上述两个问题进行了阐述,并籍此提出进一步的研究建议,供研究者参考。

Network security risk has increasingly become a major problem troubling the healthy development of the market.In addition to strengthening their own security investment,network security insurance has become an option of a growing number of people,is also widely optimistic.However,information asymmetry and network security characteristics bring about two major moral risks,such as crowding out effect and adverse selection.For the former one,insurance will crowed out the policyholders own safe investment,thus increasing the network risk of the whole society.For the latter,the existence of indirect losses leads the insured to make an adverse selection to avoid claims,affecting the insurance intention in the long run and damaging the development of the network security insurance market.This paper elaborates on the above two problems through literature review and theoretical modeling,and then puts forward further research suggestions for researchers’reference.