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一、现代经济中的信息不对称问题 1、信息不对称理论交易参与中的一方比另一方知道的信息更多,这就是信息的不对称 (Pindyck,2000)。信息不对称是许多商业交易存在的特点。通常,销售者对于一个产品的质量比消费者知道得多;工人对自己的技术和能力比他们的雇主知道得多等等。信息不对称带来的危害可以分为两类:逆向选择和道德风险。逆向选择出现在交易发生之前,称为事前风险。比如,知道自己具有高风险的群体,才
I. Problems of Information Asymmetry in Modern Economy 1. Asymmetric Information Theory One side of the transaction participation knows more than the other side, which is information asymmetry (Pindyck, 2000). Asymmetric information is characteristic of many business transactions. Often, the seller knows more about the quality of a product than the consumer; the worker knows more about his skill and ability than his employer, and so on. The harm caused by asymmetric information can be divided into two categories: adverse selection and moral hazard. Reverse selection occurs before the transaction occurs and is called ex ante risk. For example, know that they have a high risk groups, only