Research On The Information Asymmetry In The Commercial Medical Insurance Market For The Old-age Group In China

Information exchanges and regenerates between different groups as a kind of resource in modern society and is produced every second.Information has brought people a lot of convenience and competitiveness but also brought many negative effects,information asymmetry is one of them.Information asymmetry is a reference to the fact that in the market some participants have some information but some people do not own it,which causing the information asymmetry.Information asymmetry appears along with the emergence of the market,and no matter how completed the mature market is,it comes with the emergence of information asymmetry.With development of era,the way of people collecting,transferring and using of the information may be changed but the information asymmetry has always exists in a variety of markets.Some market information asymmetry performance is more serious but some is not obvious.And the form of information asymmetry is always changing.Similarly,information asymmetry is widespread in the health insurance market,and the impact on the health insurance market is significant,and for the elderly groups,this information asymmetry is deepened to some extent and the information asymmetry is serious Influence,and even restrict the healthy development of the medical insurance market,also affect the elderly groups with commercial medical insurance to protect their health needs in their later years.This paper first introduces the research status of information asymmetry theory and commercial medical insurance at home and abroad,and introduces the research methods and innovations of the article.The second part,the information asymmetry and commercial medical insurance market related theory research.Information asymmetry theory is mainly composed of adverse selection and moral hazard.At the same time,it analyzes the characteristics of China's commercial medical insurance market.The third part analyzes the current situation of information asymmetry in the commercial medical insurance market of the elderly population in our country,investigates the current situation of the population aging in our country,and analyzes the process of commercial medical insurance in our country and analyzes the advance information of the old group commercial medical insurance market according to the process Asymmetric and post-information asymmetry.In the fourth part,the author analyzes the causes of the asymmetry of information in the commercial medical insurance market of the elderly population in China.The conclusion is that the lack of specific professional knowledge is the main reason that the information asymmetry phenomenon the reason.Finally,the paper puts forward some suggestions on how to alleviate the information asymmetry problem of the old group commercial medical insurance market from the information environment and the information literacy.