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

標題: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
語言英文
ISSN1554-9658
期刊性質國外
收錄於SSCI;
產學合作
通訊作者
審稿制度
國別英國
公開徵稿
出版型式,電子版
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