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保险市场存在严重的信息不对称问题,加大了投保人的决策难度。作为一种有效的信息显示和甄别机制,保险资信评估制度的建立和发展将极大地降低信息不对称的程度,保护广大投保人的利益。
There is a serious problem of information asymmetry in the insurance market, which increases the decision-making difficulty of policyholders. As an effective information display and screening mechanism, the establishment and development of insurance credit evaluation system will greatly reduce the degree of information asymmetry and protect the interests of the majority of policyholders.