Principal-agent Modeling(ppt 26页)
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我请您们考虑一些问题：
A small medical insurance scenario 一个医疗保健的问题
When you have a small illness, do you normally see your doctor?
当你有小病的时候，你会不会自费看医生？
What about, if your firm pay for your expense?
但是，如果是单位付钱呢，那又怎样？
A car maintenance scenario 一个汽车维修的问题
Your car is being rented for 2 months. Supposedly, it needs oiling every month. How likely you will remember to do so?
你的汽车是租来用两个月的，它需要每月润滑上油一次。你会不会依时地去上油？
How about if this is your own car?
如果这是你自己的汽车，你又会不会去做？
A medical insurance problem 自费医疗保险的问题
When we purchase medical insurance, the insurance company usually requires that you disclose your medical history. Pre-conditions are usually excluded from the coverage.
购买保险的时候，它们通常要求你列出你的病历。但是如果你有大病的话，很可能保险公司不愿意受保。
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