英语翻译保险商品价格形成并不是一个费率厘定的简单精算问题,而是一个揭示保险商品本质和职能的经济理论问题.在假设信息完全的基础上,保险商品价格总是能正确地反映市场对保险商品

Question

英语翻译
保险商品价格形成并不是一个费率厘定的简单精算问题,而是一个揭示保险商品本质和职能的经济理论问题.在假设信息完全的基础上,保险商品价格总是能正确地反映市场对保险商品的供求,是保险商品价值的外在体现.但是事实上,保险市场是个典型的信息不对称市场,停留在信息完全假设下的研究是缺乏现实意义的.因此,本文基于信息不对称理论,从保险人和投保人两个方面着手,分析保险商品交易过程中内生交易费用的形成,以及这些内生交易费用对于保险商品价格形成的影响.此外,本文还对我国应该采取怎样的措施,来进一步规避由于信息不对称而导致的内生交易费用,提出了一些具有现实意义的建议.

Answer 1

The price formation of the insurance merchandise isn't the simple precise computation problem that a fee rate collate and stipulate,but an economic theories problem which announces to public an insurance merchandise essence and working talent.In supposing the information complete foundation,the insurance merchandise price can always with accuracy reflect market's supply for insurance merchandise,is the outside body that the insurance merchandise be worth now.But in fact,insurance market is typical model of information dissymmetry market,stay around an information to completely suppose the next research to lack realistic meaning.Therefore,this text according to information dissymmetry theories,2 begin from the insurer and policy holder,analysis insurance commodity exchange process in inside living formation of trade the expenses,and these inside living to trade expenses' influence toward the price formation of the insurance merchandise.In addition,this text's return should adopt to the our country how of measure,evade to cause because of information dissymmetry further of inside living bargain expenses,put forward some suggestions which have realistic meaning.