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单词 Antiselection
释义

Antiselection

中文百科

逆向选择 Adverse selection

(重定向自Antiselection)

逆向选择(英文:Adverse Selection),为微观经济学、危机管理等领域的术语,有时会被概括为「劣胜优汰」。例如在保险业界中是指根据平均疾病风险设置的费率下,因平均疾病风险大于低风险,低风险者并不愿意投保,但此平均费率却会引来大批高风险者投保,使保险公司亏本退出市场。此问题主要是保险公司与消费者所拥有的信息不对称造成,也就是保险公司无法区分谁是低风险者,谁是高风险者。

英语百科

Adverse selection 逆向选择

(重定向自Antiselection)

Adverse selection is a concept in economics, insurance, and risk management, which captures the idea of a "rigged" trade. When buyers and sellers have access to different information (asymmetric information), traders with better private information about the quality of a product will selectively participate in trades which benefit them the most (at the expense of the other trader). A textbook example is Akerlof's market for lemons.

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更新时间:2025/6/17 7:53:25