淡江大學機構典藏:Item 987654321/80645
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    题名: Does insurance fraud in automobile theft insurance fluctuate with the business cycle?
    作者: Wang, Kili C.;汪琪玲
    贡献者: 淡江大學保險學系
    关键词: Operational risk;Insurance fraud;Replacement cost endorsement;No-deductible endorsement;Automobile theft insurance;Business cycle
    日期: 2013-07-03
    上传时间: 2013-02-25 09:27:20 (UTC+8)
    出版者: New York: Springer New York LLC
    摘要: Financial institutions face various cyclical risks, but very few studies have analyzed the cyclicality of operational risk. External fraud is an important operational risk faced by insurers. In this research, we analyze the empirical relationship between insurance fraud and business cycle and we concentrate our study on two insurance contracts that may create an incentive to defraud. We find that residual insurance fraud exists both in the contract with replacement cost endorsement and the contract with no-deductible endorsement in the Taiwan automobile theft insurance market. These results are consistent with previous literature on the relationship between fraud activity and non-optimal insurance contracting. We also show that the severity of insurance fraud is countercyclical. Fraud is stimulated during periods of recession and mitigated during periods of expansion. Although this last result seems intuitive, our contribution is the first to measure its significance.
    關聯: Journal of Risk and Uncertainty 47(1), pp.67-92
    DOI: 10.1007/s11166-013-9171-y
    显示于类别:[風險管理與保險學系] 期刊論文

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