Question

请大家帮帮忙，翻译一下这篇文章，谢谢了！急

In our view, researchers who do empirical work in this area should not think of
　　themselves as participating in an effort to resolve once and for all the question of
　　whether adverse selection and the coverage–risk correlation exist. We are on solid
　　ground in believing that such a correlation does exist in some markets and policy
　　pools but not in others. Future work in this area would do best to address itself to the
　　question—on which some progress has already been made—of how to identify the
　　circumstances under which one may expect the coverage–risk correlation and adverse
　　selection to arise. We hope that our survey will provide a conceptual framework
　　for this kind of thinking about empirical work on adverse selection in insurance
　　markets.
　　Although we devote substantial attention to empirical work on the coverage–risk
　　correlation, we also review work on two additional issues. Although a coverage–risk
　　correlation may not arise despite the presence of adverse selection due to factors
　　that we discuss below, it is also true that a coverage–risk correlation may arise due
　　to moral hazard even in the absence of adverse selection. Therefore, we review the
　　empirical work on the disentangling of moral hazard and adverse selection.
　　In addition, although many studies focus on informational asymmetries at a particular
　　point in time, the information about policyholders’ risk types that policyholders and
　　insurers possess may be at least partly produced by learning over time. We discuss
　　the empirical work that relates to such learning.

Answer 1

在我们看来，研究者谁做的经验在这方面的工作不应该认为

自己参与努力，一劳永逸的解决问题

无论是逆向选择和覆盖–风险相关性的存在。我们对固体

地认为，这种相关性存在于一些市场和政策

池而不是其他人。今后在这一领域的工作会做最好的解决自己的

问题上的一些进展已经被一种如何确定

情况下，人们可以期待的覆盖–风险相关性和不良

选择产生。我们希望，我们的调查将提供一个概念框架

这种思考实证工作中的逆向选择保险

市场。

虽然我们投入大量关注实证工作的覆盖面–风险

相关，我们还审查工作，另外2个问题。虽然覆盖–风险

相关性可能不会出现尽管存在逆向选择的因素

我们在下面讨论的，这也是事实，一个覆盖–风险相关可能产生的原因

道德风险甚至在没有不利选择。因此，我们审查

实证工作，理清道德风险与逆向选择。

此外，虽然许多研究侧重于信息的不对称性在一个特定的

时间点的信息，对投保人的风险类型，投保人和

保险公司拥有可能至少部分所产生的学习时间。我们讨论

工作的经验，涉及到这样的学习