利用状态空间图首先分析了工程保险市场中逆向选择现象的产生的原因,其次进行了通过保单设计和对投保人进行风险分类以减少逆向选择现象发生的状态空间分析,比较而言,对投保人进行风险分类更加有效,最后得出可以委托监理工程师提供风险分类技术服务的结论. The use of the state space diagram first analyzes the reason of the adverse selection phenomenon in the engineering insurance market, and secondly carries on the state space analysis through the policy design and the risk classification of the policyholders to reduce the adverse selection phenomenon. In comparison, Risk classification more effective, and finally concluded that the supervision engineer can be commissioned to provide risk classification technology services conclusion.