Ejercicio 4 (c-f) - Selecció adversa i senyalització · Economia de L'empresa UPF 2016
Tema: Informació asimètrica: selecció adversa, risc moral i relació d'agència · Del examen Final Exam - Business Economics (December 2016) (2016)
Enunciado
4. Questions 25-32: Agency theory, adverse selection, and moral hazard
Select the single correct answer for each of the following multiple-choice questions:
c.
Offering group insurance plans (e.g., to corporate employees or institutional members) rather than individual policies helps mitigate adverse selection because:
.
d.
A university degree enhances worker competence but also assists companies in hiring high-productivity applicants because:
.
e.
In a home appliance market with manufacturers A and B, both producers know that A's quality is superior to B's. Prospective buyers cannot tell the quality of the two brands apart at the point of sale. What market friction threatens manufacturer A?
.
f.
Which of the following interventions serve to mitigate the adverse selection problem?
.
Solución
Según los criterios oficiales de corrección
c. Offering group insurance plans (e.g., to corporate employees or institutional members) rather than individual policies helps mitigate adverse selection because:
Solución: 1. It implements a contractual pooling mechanism across risks.
d. A university degree enhances worker competence but also assists companies in hiring high-productivity applicants because:
Solución: 3. It reduces adverse selection by functioning as a credible market signal when graduating from a selective university is difficult.
e. In a home appliance market with manufacturers A and B, both producers know that A's quality is superior to B's. Prospective buyers cannot tell the quality of the two brands apart at the point of sale. What market friction threatens manufacturer A?
Solución: 2. Adverse selection.
f. Which of the following interventions serve to mitigate the adverse selection problem?
Solución: 4. All of the above.
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