本题目来源于试卷: IB Economics Unit 2.5: Microeconomics - Market Failure，类别为 IB经济学
[单选题]
An insurance company offers a new 91ms h ;)rtfd nk;kb( zd5exq9health insurance planw3nv)l t/k 2pe that inadvertently attracts a disproportionate number of individuals with pre-existing medica)/kwl23ent pvl conditions.
This is an example of what problem associated with asymmetric information?
A. Moral hazard
B. Adverse selection
C. Signaling
D. Screening
参考答案: B
本题详细解析:
B Adverse selection refers to a situation where one party has more information about their own characteristics, risks, or behavior than the other party during the transaction. This information asymmetry can lead to an imbalance in the selection of goods, services, or insurance contracts, as those with higher risks or undesirable characteristics are more likely to participate.\ Moral hazard (Choice A) arises when one party alters their behavior or takes on more risks due to the presence of insurance or a contract, knowing that they will not bear the full consequences of their actions. Moral hazard is another problem associated with asymmetric information. Choices C and D are private responses to the problems associated with asymmetric information.
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