激励兼容契约理论的公平与效率评析

On the Equity and Efficiency of Incentive Compatibility Contract

从激励兼容契约理论的研究中,发现了存在的公平和效率问题,基于对火灾保险市场形成的合理假设,提出保险需求1和保险需求2以及对应的保险制度1和制度保险2,用"半市场失灵论"来解释其中效率问题;同时对其中存在的公平问题进行了剖析。最后指出要解决经济运行的效率问题,必须依靠制度创新和技术创新。

A study of the theory of incentive compatibility finds out that there are some backdraws of equity and efficiency in it.Based on a reasonable hypothesis about the formation of insurance market,the paper explains efficiency by introducing semimarket failure.Meanwhile a discussion of its equity is presented .Finally the paper points out that institutional innovation and technical innovation are the key to the overcome of the backdraws.