保险公司具有信息优势下的保险市场均衡问题研究

信息不对称问题普遍存在于经济金融领域中，而保险市场是一个典型的不对称信息市场。因此基于信息不对称下的保险市场均衡问题一直是理论和实践研究的热点。保险公司承保大量同质或类似的标的积累了很多风险估算的经验。另外，保险公司作为保险合同的制定方而更加熟悉保险合同的内容，这都是保险公司具有信息优势的表现。保险市场均衡问题是指在投保人实现自身效用最大化的条件下保险公司为了实现利润最大化对最优费率的选择。而由于信息不对称导致的逆向选择和道德风险降低了风险的可保性，实质上是影响了保险市场的均衡，使得各保险主体无法实现各自的最大化利益。本文从保险公司的业务需求和展业角度出发，在保险公司具有信息优势的情况下，结合不对称信息理论以及我国的现状探讨分析了影响我国保险市场均衡的问题并给出了我国保险业的应对策略。

关键词：保险人，信息优势，市场均衡
A research about the problem of the insurance market equilibrium on the insurance company information advantages.
Abstract：Asymmetric information problems are endemic in the field of economy and finance and insurance market is a typical asymmetric information market.Therefore, the insurance market equilibrium based on the theory of  asymmetric information has been the research focus of the theory and practice.Insurance companies accumulated a lot of experience in risk estimates because they gain a large number of homogeneous or similar subject matter.In addition, the insurance company are more familiar with the contents of the insurance contract as a formulation of the insurance contract.These are insurance companies' advantages.The insurance market equilibrium problem is about how to choose the best price  in order to maximize profits for insurance companies.Due to information asymmetry, adverse selection and moral hazard reduces the risk insurability essentially affect the balance of the insurance market, so insurance subjects can not achieve their maximum benefits.Based on the insurance company's business needs and the angle of how to work,in the case of insurance companies have information superiority,with asymmetric information theory and the present situation in China,we explore the impacts of China's insurance market equilibrium and coping strategies of China's insurance industry.

Key words：insurance company，information advantages，market equilibrium

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