Information Problems in Bancassurance: Empirical Evidence Based on a Comparison Between Over-the-Counter and Telephone Marketing Customers
學年 104
學期 1
出版（發表）日期 2015-09-01
作品名稱 Information Problems in Bancassurance: Empirical Evidence Based on a Comparison Between Over-the-Counter and Telephone Marketing Customers
作品名稱（其他語言）
著者 Jin-Lung Peng; Kili C Wang
單位
出版者 European Group of Risk Insurance Economist
著錄名稱、卷期、頁數 The Geneva Risk and Insurance Review 40(2), p.102-132
摘要 We investigate the problem of asymmetric information among the different distribution channels of bancassurance, namely, over-the-counter (OTC) selling and telephone marketing (TM). We predict that the bank could bring an information advantage to insurance companies through telephone marketing by providing a customer list based on the customers’ records in the bank. Bancassurance can play a role of integrating the information that is transferred from the bank to the insurance company. Our empirical evidence shows that, in contrast to the over-the-counter customers, there is less evidence of adverse selection, and there is also less evidence of moral hazard or fraud among the telephone marketing customers that have been sorted by the bank. This phenomenon could be attributed to the valuable private information provided by the credit records of customers kept by the bank.
關鍵字 bancassurance;information asymmetry;distribution channel
語言 en
ISSN 1554-9658
期刊性質 國外
收錄於 SSCI
產學合作
通訊作者
審稿制度 是
國別 GBR
公開徵稿
出版型式 ,電子版
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