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Irrationality in Automobile Insurance Classification-Analysis of one problem in China automobile insurance market

机译：汽车保险分类中的不合理性-中国汽车保险市场的一个问题分析

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摘要

This article focuses on the irrationality in automobile insurance classification in China insurance market Firstly the article gives three kinds of irrationality, which lie in the classification of vehicle size, vehicle price and vehicle owner, existed in the market; secondly the lack of market research and the popularity of insurance fraud are the two reasons put forward to explain the situations; thirdly two possible consequences, including the property loss and the adverse selection, and two feasible advices with views to the insurance companies and the related government are brought forward associated with the two reasons above.
机译：本文着眼于中国保险市场的汽车保险分类中的不合理性。首先，本文给出了市场中存在的三种不合理性，即车辆大小，车价和车主的分类。其次，缺乏市场研究和保险欺诈的流行是提出这种情况的两个原因。第三，结合上述两个原因，提出财产损失和逆向选择两种可能的后果，并就保险公司和有关政府提出了两个可行的建议。

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