信息化经济管理学与财务知识分析(PPT 29页)

信息化经济管理学与财务知识分析(PPT 29页)简介：

信息不对称 Information asymmetry
潜在的参保者比医疗保险公司更了解自己将来可能的医疗保健支出                                                                 

The potential insured person knows more about her (his) expected health expenditures in the coming period than does the insurance company.
具体地讲 More specifically
参保者知道自己将来的医疗费用（类似于二手车的车主）                                     
Insured knows her (his) future expenditure exactly (similar to the owner of the cars)
保险公司只了解所有参保者的医疗费用的分布 （类似于买车的人）                                                                                  
Insurance company knows only the distribution of expenditures for all insured persons(similar to the buyer of the cars)

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