market failure

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  • Market Failure
    • market failure ocurd when a market fails to allocate scare resources efficiently, causing a loss in social welfare
    • externalities - the cost of benefit a third party receives from an economic transition outside of the market mechanism
      • a merit good is  benefit to society is greater than than to the individual, tend to be underfunded by the free market
      • external costs/benefits- third party not involved in economic activity - difference between private and social
      • private costs/ benefits - individual participating in econimic activity
      • negative production externality - occur when social costs are greater than private costs
      • positive consumption externalities- social benefits are greater than social costs, welfare los of shaded area
    • information gaps
      • symemetric info occurs when buyers and sellers have access to same info (perfect info)
        • many decisions are based on imperfect info so economic agents cant make informed decisins - suffer from info gap
      • asymmetric info - when 1 party has superior knowledge compared to another - seller can take advantahe of other partys lack of knowledge, by charging a higher price
      • advertising leads to info gaps as its designed to chnage attitudes, technology reduces info gaps as people can get more info
      • lead to market failure as there is a misallocation of resources as people dont buy things that maximise their welfare - price and quanity arent as soial optium position and economic agents cant make rational decisions
      • examples - drugs, pensions, financial services
      • prinicapal agent problem - tthe goals of the principle ( person who gains/loses  are different from the agents ( those making decisions on behalf of the principle
  • externalities - the cost of benefit a third party receives from an economic transition outside of the market mechanism
    • a merit good is  benefit to society is greater than than to the individual, tend to be underfunded by the free market
    • external costs/benefits- third party not involved in economic activity - difference between private and social
    • private costs/ benefits - individual participating in econimic activity
    • negative production externality - occur when social costs are greater than private costs
    • positive consumption externalities- social benefits are greater than social costs, welfare los of shaded area

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