And... Absolutely - you're essentially referring to the problem of adverse selection.
而且......绝对 - 你本质上是指逆向选择的问题。
| 单词 | Adverse selection |
| 释义 |
Adverse selection
原声例句
金钱地球 And... Absolutely - you're essentially referring to the problem of adverse selection. 而且......绝对 - 你本质上是指逆向选择的问题。 金钱地球 One famous example of adverse selection has to do with health insurance. 逆向选择的一个著名例子与健康保险有关。 金钱地球 Yeah, adverse selection was a huge topic of debate when Congress was passing the Affordable Care Act. 是的，当国会通过《平价医疗法案》时，逆向选择是一个巨大的争论话题。
中文百科
逆向选择逆向选择（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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