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    Title: Information Problems in Bancassurance: Empirical Evidence Based on a Comparison Between Over-the-Counter and Telephone Marketing Customers
    Authors: Jin-Lung Peng;Kili C Wang
    Keywords: bancassurance;information asymmetry;distribution channel
    Date: 2015-09
    Issue Date: 2014-05-13 11:53:34 (UTC+8)
    Publisher: European Group of Risk Insurance Economist
    Abstract: 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.
    Relation: The Geneva Risk and Insurance Review 40(2), p.102-132
    DOI: 10.1057/grir.2014.8
    Appears in Collections:[保險學系暨研究所] 期刊論文

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