摘要/Abstract

风险偏好是影响保险市场主体投保选择的重要因素。传统信息不对称理论存在风险偏好同质假设，由此得出保险市场必然出现逆向选择的结论。本文探讨风险偏好异质性对保险市场运行的影响，考察保险市场存在风险喜好与风险规避两类投保群体的情况。研究发现，风险偏好异质性导致保险市场不仅可能出现逆向选择，还可能出现正向选择与不相关选择。

Risk preference is an important factor of insurance selection. Traditional asymmetric information theory implicit risk preference homogeneity assumption, which inevitably lead to adverse selection in insurance market. This paper discusses the impact of the risk preference heterogeneity on the insurance market operation, examining how the insurance market Operates when there are two types of insurance groups: risk lover and risk averter. The study found that risk preference heterogeneity can cause positive selection and irrelevant selection in insurance market.