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    Title: 消費者行為與保險市場的訊息不對稱問題
    Other Titles: Consumer Behavior and the Asymmetric Information Problems in Insurance Market
    Authors: 汪琪玲
    Contributors: 淡江大學保險學系
    Date: 2012-08
    Issue Date: 2015-05-06 11:00:39 (UTC+8)
    Abstract: 消費者的一些生物的、心理的、以及行為特性,會影響個人的風險承擔行為,進而 影響風險發生的機率、與損失程度。雖然,個人的生物、心理、行為特性無法直接觀察, 但可以透過觀察消費其他方面的行為表現獲得訊息:就像Brockett and Golden (2007)所 言的消費者信用紀錄、或者像Bair, Huang and Wang (2011)收集消費者對用車的適當保養 行為,都可能透露珍貴的隱藏訊息。這些訊息,不僅與風險有關,也可能影響投保意願、 保障選擇、及投保後的行為,因此,研究消費者行為,可能有助和緩、或解決市場上的 息不對稱問題。 本研究以汽車保險市場為研究標的,分三個主題進行探討。第一個主題,探索消費 者行為對出險機率的影響。在這個主題下,首先搜尋能聯結個人生物、心理、行為特性 的不同消費者行為;接著,探討不同消費者行為對車險上的各種風險之影響。第二個主 題,探討消費者行為對於市場訊息不稱問題的影響,藉由控制消費者行為的訊息,觀察 市場上原有的訊息不對稱問題,是否獲得改善。第三個主題,探討消費者行為、與保險 詐欺行為的關係;依不同的消費者行為將本分群,探討在不同子樣本下,被保險人是否 有詐欺問題、以及何種詐欺問題會顯現。
    Individuals’ risk taking behavior would be affected by some of their biological, psychological characteristics. Furthermore, the risk probabilities and the severity of loss would be affected also. Although, we can not directly observe individuals’ biological and psychological characteristics, we can predict them through some other consumers’ behavior, such as: the credit scores mentioned in Brockett and Golden (2007), and the maintenance behaviors mentioned in Bair, Huang and Wang (2011). Some valuable information could be revealed through these consumers’ behaviors. These information not only are related to risk, but also are related to the willingness to purchase insurance, and the behavior of the insured. Hence, the asymmetric information problems in the insurance market could be eliminated or mitigated by controlling these hidden information revealed by the consumers’ behaviors. Aim at the automobile insurance market, we explore three topics. The first topic is to investigate the effect that the consumers’ behaviors influence on the probability of claim. We search for different consumers’ behaviors which could relate to consumers’ biological and psychological characteristics first. Then, we test their influences on different risk in the automobile insurance. The second topic is to investigate that the influences of these consumers’ behaviors on the asymmetric information problems of the automobile insurance market. We intend to observe the mitigation or elimination of the asymmetric information problems by controlling these consumers’ behaviors. The third topic is to investigate that whether the consumers’ behaviors would affect the behavior of fraud in the insurance market. Separating the whole research sample into different sub-samples according to the consumers’ behaviors, we identify the fraud problems in different sub-samples.
    Appears in Collections:[保險學系暨研究所] 研究報告

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