保险市场交易成本是指为了达成保险交易,围绕保险合同的签订、履行、控制、监督管理等环节而耗费的人、财、物等资源,具体包括信息成本、谈判成本、拟定保险合同的成本、签订和履行保险合同的成本、防灾防损的成本、控制或减少逆选择和道德风险的成本、风险管理的成本、 The transaction cost of the insurance market refers to the human, financial and material resources that are consumed in the process of signing an insurance contract, fulfilling, controlling, supervising and managing the insurance transaction, including the cost of information, the cost of negotiation, the cost of drawing up an insurance contract, The cost of signing and performing insurance contracts, the cost of disaster prevention and loss prevention, the cost of controlling or reducing adverse selection and moral hazard, the cost of risk management,