Che cos'e Selezione avversa?
Selezione avversa 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 “Selezione avversa” Used in Practice?
La selezione avversa può comportare costi di sinistri più elevati se il portafoglio attira troppi soggetti rischiosi.
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Who Needs to Know This Term?
- Financial Analysts
- Bankers
- Traders
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Che cos'e Selezione avversa?
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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