adverse selection

Adverse selection in health insurance markets arises because high-risk individuals are more likely to seek coverage.健康保险市场中出现逆向选择，是因为高风险个人更有可能寻求投保。

Lenders use credit scoring to reduce the problem of adverse selection when approving loans.贷款人在审批贷款时利用信用评分来减少逆向选择的问题。