Testing for Asymmetric Information in Insurance Markets
提出一个简单通用的检验方法，用于检测竞争性合同关系中的非对称信息，并利用法国车险市场的合同与事故数据，通过参数和非参数方法未发现非对称信息存在的证据。
The first goal of this paper is to provide a simple and general test of the presence of asymmetric information in contractual relationships within a competitive context. We also argue that insurance data are particularly well suited to such empirical investigations. To illustrate this claim, we use data on contracts and accidents to investigate the extent of asymmetric information in the French market for automobile insurance. Using various parametric and nonparametric methods, we find no evidence for the presence of asymmetric information in this market.