保险市场存在着逆向选择。经典逆向选择模型认为,风险高的人会购买更多的保险,但大多数实证研究表明保险市场还存在顺向选择。本文认为,逆向选择和顺向选择虽然对立,但共存于保险市场,在此基础上构建保险市场均衡模型,并进行了仿真研究。 There is a reverse choice in the insurance market. The classical inverse selection model argues that people at high risk buy more insurance, but most empirical studies show that there is a straightforward choice in the insurance market. This paper argues that although adverse selection and forward selection are opposite, they coexist in the insurance market. On the basis of this, an equilibrium model of insurance market is constructed and a simulation study is conducted.