教師資料查詢 | 類別: 會議論文 | 教師: 汪琪玲 Kili C. Wang (瀏覽個人網頁)

標題:Testing Advantageous Selection by Hidden Action: Evidence from Automobile Liability Insurance
學年97
學期1
發表日期2008/12/20
作品名稱Testing Advantageous Selection by Hidden Action: Evidence from Automobile Liability Insurance
作品名稱(其他語言)
著者黃瑞卿; Huang, Rachel J.; 曾郁仁; Tzeng, Larry Y.; 汪琪玲; Wang, Kili C.
作品所屬單位淡江大學保險學系
出版者
會議名稱台灣風險與保險學會第二屆年會暨國際學術研討會
會議地點高雄, 臺灣
摘要This paper examines advantageous selection in automobile liability insurance from
the approach with hidden action, which argues that the individual’s private
information on his own characteristics will affect his decision on the investment on
precautionary effort (hidden action) to reduce the loss probability and further results
in a negative relationship between coverage and loss probability in equilibrium. We
argue that individual’s vehicle maintenance record could be a proper proxy for the
precautionary effort. By combining insurance data from an insurance company and
maintenance data from the largest car manufacturer in Taiwan, we demonstrate
advantageous selection in automobile liability insurance in Taiwan.
關鍵字asymmetric information, advantageous selection, hidden action,automobile liability insurance.
語言英文
收錄於
會議性質國際
校內研討會地點
研討會時間20081220~20081220
通訊作者
國別中華民國
公開徵稿Y
出版型式紙本
出處台灣風險與保險學會第二屆年會暨國際學術研討會
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