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Asymmetric Information and Adverse Selection in Insurance Markets: The Problem of Moral Hazard

Asimetrik Bilgi problemi bir ekonomik islemin taraflarından birinin dogru bir karar verebilmek için diger taraf hakkında eksik bilgiye sahip oldugu durumlarda ortaya çıkan bir problemdir. Öte taraftan Etik Tehlike kavramı ise, bir sözlesmenin tamamlanmasından sonra taraflardan birinin digerinin zararina olacak sekilde davranisini degistirmesi riskini ifade eder. Sigorta Piyasalarında Etik Tehlike kisilerin sigorta ettirilen seyin zarara ugramasi veya çalınmasi risklerine karsı daha az çaba harcamasi seklinde ortaya çikar.

Sigorta Piyasalarında Asimetrik Bilgi ve istenmeyen Tercih: Etik Tehlike Problemi

The problem of asymmetric information occurs when one party of an economic transaction has insufficient knowledge about the other party to make accurate decisions. The moral hazard, on the other hand, is the risk that one party to a contract can change their behaviour to the detriment of the other party once the contract has been concluded. In insurance market the moral hazard is tendency by which people expend less effort protecting those goods which are insured against theft or damage.

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