A Study of The Asymmetric Information Problems and Risk Factors in Automobile Physical Damage Insurance
| Autor: | Tzu-Hsuan Chao, 趙子瑄 |
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| Rok vydání: | 2013 |
| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 101 This paper use different coverage to analyze asymmetric information problems in Taiwan’s automobile physical insurance market, and examines the problem is expiration dates effect or total year effect. By using type B policy in 2008, and examines risk factors significant to the claim, which risk factors is expiration dates effect or total year effect. By probit regression analysis, we find the asymmetric information problems do exist in automobile physical insurance market, and it is expiration dates effect. New cars and auto sold from auto-dealer channel exhibit higher probabilities of loss. The former is expiration dates effect, but the latter is total year effect. In other risk factors bonus-malus coefficient、age、sex, and carage are expiration dates effect; some number of engines and brand are total year effect. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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