淡江大學機構典藏:Item 987654321/50333
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    题名: Empirical Evidence for Advantageous Selection in the Commercial Fire Insurance Market
    其它题名: 對商業火災保險市場上有利選擇的實證研究
    作者: Kili C. Wang;Rachel J. Huang;Larry Y. Tzeng
    贡献者: 淡江大學保險學系
    关键词: asymmetric information;advantageous selection;adverse selection;risk aversion
    日期: 2009-06-01
    上傳時間: 2010-08-09 15:39:08 (UTC+8)
    出版者: Palgrave Macmillan Ltd.
    摘要: De Meza and Webb (2001) indicated that individuals with a higher degree of risk aversion would demand more insurance and invest in self-protection to reduce risk probability when both the preference type and investment in self-protection are hidden from insurers. They referred to the negative correlation between market insurance and risk type as advantageous selection. However, the relationship between risk type and the degree of risk aversion is debatable in both theoretical and empirical research. This paper therefore proposes that advantageous selection could be supported from another angle by directly examining the relationships that exist among market insurance, self-protection, and risk probability. By focusing on the commercial fire insurance market, information on the purchase of market insurance, investment in self-protection, and fire accident records is hand-collected by means of a unique survey. It is found that firms purchasing market insurance have a greater tendency to channel efforts into self-protection. It is also found that firms expending effort on self-protection are less likely to suffer a fire accident. Furthermore, it is found that firms with commercial fire insurance have less chance of suffering a fire accident than those without such insurance. Each of the above three findings jointly supports the view that advantageous selection could play a critical role in the commercial fire insurance market.
    關聯: The Geneva Risk and Insurance Review 34(1), p.1-19
    DOI: 10.1057/grir.2008.13
    顯示於類別:[風險管理與保險學系] 期刊論文

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