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完全市场假设是传统经济学的基本假设之一,也是市场实现有效配置的重要前提。但是,在现实的市场中,市场交易双方拥有的信息通常都是不对称的,这将导致资源配置的无效率,造成市场失灵。文章以保险市场为依托,主要阐述了保险市场中广泛存在的信息不对称是如何影响保险市场的有效运行的,并对信息不对称产生的原因进行分析,在此基础上提出了解决信息不对称问题促进保险市场健康发展的相应措施。
Full market assumption is one of the basic assumptions of traditional economics, but also an important prerequisite for effective market allocation. However, in the real market, the information owned by both parties in the market is usually asymmetric, which will result in inefficient allocation of resources and market failure. The article relies on the insurance market, mainly expounds how the asymmetric information widely existing in the insurance market affects the effective operation of the insurance market, and analyzes the causes of the asymmetric information. On the basis of this, it puts forward a solution to the problem of information asymmetry Issues to promote the healthy development of the insurance market, the corresponding measures.