Abstract
UdÄlenĂ Nobelovy ceny vÄdcĹŻm za teoretickĂ˝ pĹĂspÄvek k analĂ˝ze trhĹŻ s asymetrickĂ˝mi informacemi oĹživilo diskuse o chovĂĄnĂ a rozhodovĂĄnĂ ekonomickĂ˝ch subjektĹŻ v nejistĂ˝ch podmĂnkĂĄch. ProtoĹže pojiĹĄĹĽovnictvĂ je klasickĂ˝m pĹĂkladem takovĂ˝ch situacĂ, slouŞà k ilustraci pĹĂpadĹŻ asymetrie, u klientĹŻ pojiĹĄĹĽovny je pĹedpoklad, Ĺže znajĂ lĂŠpe svou expozici vĹŻÄ riziku neĹž pojistitel. Ve skuteÄnosti klient svou objektivnĂ expozici nemĹŻĹže apriori exaktnÄ kvantifikovat, rozhodnutĂ je ovlivĹovĂĄno psychologickĂ˝mi a sociologickĂ˝m faktory. Pojistitel je lĂŠpe vybaven pro kalkulaci pojistnĂŠho, zahrnujĂcĂ minulou zkuĹĄenost s vyuĹžitĂm statistickĂ˝ch zĂĄkonĹŻ s pĹihlĂdnutĂm k antiselekci rizik. ZĂĄvÄreÄnĂĄ ÄĂĄst ÄlĂĄnku se zabĂ˝vĂĄ regulacĂ pojistnĂ˝ch trhĹŻ v nĂĄvaznosti na asymetrii informace mezi pojiĹĄĹĽovnou a jejĂm klientem.
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