論保險市場「訊息不對稱」理論與實證的不一致性

本文略述近年來在保險市場中有關訊息不對稱的實證研究結果，並比較分析其與理論上的不一致性。本文認為，產生理論與實證不一致的可能原因有：計量方法不適切、統計資料的限制、契約制度與核保的實施、假設前提在實務上不存在、需要新的理論等。
關鍵字：訊息不對稱、逆選擇、道德危險

The Inconsistency between Asymmetric Information Theory and Empirical Evidence in Insurance Markets

　　　　　　　　　　　　　　　　(Chu-Shiu Li)＊(Chwen-Chi Liu)＊(Jia-Hsing Yeh)

By reviewing recent papers on asymmetric information in the insurance field, this study analyzes the inconsistency between theory and empirical evidence. The inconsistency may exist due to inappropriate econometric methods, data limitations, the designation of contracting and underwriting, the nonexistence of assumptions, and the need for new developments in theory.
Keywords: asymmetric information, adverse selection, moral hazard