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:Evidence for Adverse Selection in the Automobile Insurance Market
學年95
學期1
發表日期2006/09/18
作品名稱Evidence for Adverse Selection in the Automobile Insurance Market
作品名稱(其他語言)
著者Huang, Rachel J.; Tzeng, Larry Y.; Wang, Kili C.
作品所屬單位淡江大學保險學系
出版者International Association for the Study of Insurance Economics
會議名稱The 33rd Seminar of the European Group of Risk and Insurance Economists (EGRIE)
會議地點Barcelona, Spain
摘要This paper proposes a new method to directly test the existence of adverse
selection in the automobile insurance market. By tracing the renewal decisions of the
insured, we find that, in Taiwan automobile insurance market, the choice of insurance
coverage and the previous-year claim records are positive ly correlated, which can be a
result of adverse selection but not of moral hazard. We further find that the loss ratio is
positively correlated to the choice of insurance coverage. This indicates that
cross-subsidization may exist in the market. The finding of cross-subsidization further
strengthens the evidence to support the existence of adverse selection.
關鍵字insurance market, asymmetric information, adverse selection.
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20060918~20060920
通訊作者
國別西班牙
公開徵稿Y
出版型式紙本
出處Proceedings of the 33rd Seminar of the European Group of Risk and Insurance Economists
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