¿Qué es Selección adversa?
Selección adversa A situation in which higher-risk individuals are more likely to purchase insurance, leading to an imbalance in the risk pool and potential losses for the insurer.
Source: CFA Institute, IFRS Foundation, FASB (GAAP), Basel III Framework
How is “Selección adversa” Used in Practice?
La selección adversa puede generar mayores costos de siniestros si el grupo asegurado atrae en exceso a personas de alto riesgo.
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Who Needs to Know This Term?
- Financial Analysts
- Bankers
- Traders
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¿Qué es Selección adversa?
A situation in which higher-risk individuals are more likely to purchase insurance, leading to an imbalance in the risk pool and potential losses for the insurer.
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