Finance English
Insurance

逆选择 是什么？

逆选择 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 “逆选择” Used in Practice?

逆选择可能导致理赔成本上升，若保险池中高风险个体比例过高。

Certification Exam Relevance

CFAACCAFRM

Who Needs to Know This Term?

  • Financial Analysts
  • Bankers
  • Traders

Related Finance English Terms

风险分类承保周期赔付率费用准备金

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Frequently Asked Questions

逆选择 是什么？

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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