Essays On Insurance Economics
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Essays On Insurance Economics
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Author : Ruo Jia
language : en
Publisher:
Release Date : 2016
Essays On Insurance Economics written by Ruo Jia and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
This dissertation consists of four essays on insurance economies. It aims to answer questions in the fields of insurance transactions (Essays I and IV) as well as insurance operations and strategies (Essays II and III). These questions are relevant both to the insurance academic community and to the insurance industry. The methodologies explored in the dissertation are mainly empirical economics including multivariate regressions, data envelopment analyses, among others. The first essay, "Between-group adverse selection: Evidence from group critical illness insurance", demonstrates the presence of adverse selection in the group insurance market even if individual choices are not allowed. It shows that group insurance alone is not effective enough to eliminate adverse selection, i.e., between-group adverse selection exists, which, however, disappears over time if the group renews with the same insurer for a certain period. The results thus indicate that experience rating and underwriting based on information that insurers learn over time are important in addressing adverse selection. The second essay, "The structure of the global reinsurance market: An analysis of efficiency, scale, and scope", uses a multidimensional data envelopment analysis to study economies of scale, economies of scope, and cost efficiency in the reinsurance industry. Reinsurers with total assets less than USD 2.9 billion exhibit scale economies, while those with assets greater than USD 15.5 billion do not. Large reinsurers are characterized by high cost efficiency. Small reinsurers exhibit superior efficiency when they are specialized. The third essay, "Internationalization and performance: The role of industry context and cost efficiency", analyzes the impact of globalization strategies (inter-regional internationalization) on insurers' performance and show that the impact is different for life and nonlife insurers. It introduces the cost efficiency to expl.
Essays On Insurance Economics
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Author : Hong Wu
language : en
Publisher:
Release Date : 2002
Essays On Insurance Economics written by Hong Wu and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Insurance categories.
Essays In Insurance Economics
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Author :
language : de
Publisher:
Release Date : 1986
Essays In Insurance Economics written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1986 with categories.
Essays On Insurance Economics
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Author : Oliver Schellenberger
language : en
Publisher:
Release Date : 2011
Essays On Insurance Economics written by Oliver Schellenberger and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with categories.
Essays On Insurance Economics
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Author : Omid Ghavibazoo
language : en
Publisher:
Release Date : 2023
Essays On Insurance Economics written by Omid Ghavibazoo and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023 with categories.
Essays On Insurance Economics
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Author : Adam Mantaye
language : en
Publisher:
Release Date : 2011
Essays On Insurance Economics written by Adam Mantaye and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Insurance categories.
Essays On Insurance Economics
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Author : Adam Mantaye
language : en
Publisher:
Release Date : 2012
Essays On Insurance Economics written by Adam Mantaye and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.
Is the relationship between insurance consumption and its determinants spurious? Is general insurance a luxury service? Do bequest motives matter for life insurance consumption? Is private credit important for the development of life insurance? Do socioeconomic development and informal risk sharing institutions matter for formal insurance consumption? This thesis investigates these and other related issues using international datasets and relatively new panel data method, namely the Common Correlated Effects Pooled (CCEP) estimator. A novelty of the CCEP is that it takes into account the impacts of unobserved common factors. The thesis consists of an introduction, three empirical chapters and conclusions. Chapter 2 studies the relationship between nonlife insurance consumption and income/wealth per capita. Estimation results suggest that income elasticity is below unity and that nonlife insurance is positively related to GDP per capita, the law, risk aversion, infrastructural development, and negatively related to socioeconomic development. Chapter 3 explores life insurance consumption driven by bequest motives. We found that life insurance consumption is positively related to GDP per capita, old age dependency ratio, infrastructural development, and social security and welfare; and negatively related to the extended family institution, savings, inflation, and risk aversion. Estimation results suggest the presence of altruistic, and bequest as exchange old age security motives. Chapter 4 investigates the long run relationship and causality direction between private credit consumption and life insurance development. Life insurance development may be explained by GDP per capita, formal and informal credit consumption, infrastructural development, life expectancy, institutional quality, inflation, and Islam, and Orthodox being the dominant religions. Cointegration test results suggest that life and nonlife insurance consumption and its determinants exhibit a long run relationship; and that there is a long run bi-directional causality relationship between life insurance development and private credit consumption. The thesis concludes that insurance development requires institutional and infrastructural development-in particular- telecommunications infrastructure, to facilitate cost effective insurance supply.
Essays In Insurance Economics
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Author :
language : en
Publisher:
Release Date : 1979
Essays In Insurance Economics written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1979 with Insurance categories.
Essays On Insurance Economics And The Regulation Of Financial Markets
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Author : Przemysław Zbigniew Rymaszewski
language : en
Publisher:
Release Date : 2011
Essays On Insurance Economics And The Regulation Of Financial Markets written by Przemysław Zbigniew Rymaszewski and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with categories.
Essays In Insurance Economics
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Author :
language : en
Publisher:
Release Date : 1987
Essays In Insurance Economics written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1987 with categories.