Question

哪位高手帮忙翻译一下下面这段话（论文摘要），不要在线翻译的，在线翻译我也会，那个太不准了。高分重

摘要
本文以不对称信息经济理论为依据，分析了我国保险市场中投保人与保险人信息不对称的表现：逆选择和道德风险。基于投保人和保险人逆选择和道德风险的产生的原因，分别提出了遏制投保人逆选择、道德风险的建议，以及遏制保险人逆选择和道德风险的建议。最后浅谈了遏制小额保险投保人的逆选择和道德风险的对策，之所以单独对小额保险进行对策分析，是因为小额保险针对的客户群的特殊性，产品设置以及投保和理赔的特殊性。
关键词:非对称信息 逆选择 道德风险

Answer 1

Summary:
On the basis of the asymmetric-information economic theory, the article analyzed the asymmetric information between policy holders and insurers: anti-selection and moral risks. On the basis of the reasons that have led to anti-selection and moral risks, the article proposed suggestions on how to contain the anti-selection and moral risks from policy holders or insurers. The final part of the article offered some measures on how to contain the anti-selection and moral risks from policy holders of petty insurance. The reason for setting aside an independent part for it, is the particularity of its clients, products, effect insurance and compensation.
Key words:
asymmetric information, anti-selection, moral risks.

Answer 2

Abstract
Based on economic theory of asymmetric information, this paper analyses the asymmetric information of China's insurance market of the insured and the insurer's performance :adverse selection and moral hazard. Based on the risk of adverse selection and moral causes of the insured and the insurer, this paper proposed to curb the insured adverse selection、 moral hazard and insurers to curb the risk of adverse selection and moral advice. Finally, this paper discusses the micro-insurance policyholders of the curb adverse selection and moral hazard response. The reason for separate measures to analyse the micro-insurance is the specificity of the micro insurance to the customer base, product set as well as insurance and settlement of claims specificity.
Keywords: Asymmetric information; adverse selection; moral hazard

Answer 3

==手工版==
The article (thesis) analyzes, on the basis of the economic theory of information asymmetry, adverse selection and moral hazards ---- two issues about information asymmetry between applicants and insurers in domestic insurance market. Based on causes for adverse selection and moral hazards, suggestions are provided on how to prevent adverse selection and moral hazards from both parties. Finally, policies preventing adverse selection and moral hazards from small-amount applicants are briefly discussed; with a specific emphasis on micro insurance business, because it aims at serving the special needs of customers and is unique in products portfolio, the application process and the settlement of claims.

Keywords: Information Asymmetry; Adverse Selection; Moral Hazards.