本文選題：機(jī)動(dòng)車保險(xiǎn)　切入點(diǎn)：信息不對(duì)稱　出處：《統(tǒng)計(jì)與信息論壇》2014年02期

【摘要】：運(yùn)用中國(guó)某大型財(cái)產(chǎn)保險(xiǎn)公司山東、湖北、四川三省機(jī)動(dòng)車保險(xiǎn)的承保和理賠數(shù)據(jù),通過(guò)建立probit模型和bivariate probit模型實(shí)證檢驗(yàn)了中國(guó)機(jī)動(dòng)車保險(xiǎn)市場(chǎng)信息不對(duì)稱。研究發(fā)現(xiàn),中國(guó)機(jī)動(dòng)車保險(xiǎn)市場(chǎng)存在顯著的信息不對(duì)稱,且在險(xiǎn)種和地區(qū)分布上不平衡。隨著索賠次數(shù)的增加,信息不對(duì)稱的險(xiǎn)種差異仍然存在,但地區(qū)差異漸趨消失。同時(shí),投保人在商業(yè)第三者責(zé)任保險(xiǎn)賠償限額的選擇上存在顯著的正向選擇。最后,對(duì)保險(xiǎn)公司如何應(yīng)對(duì)信息不對(duì)稱提出了一些政策建議。
[Abstract]:Based on the insurance and claim data of a large property insurance company in Shandong, Hubei and Sichuan provinces, this paper empirically tests the asymmetry of information in China's motor vehicle insurance market by establishing probit model and bivariate probit model.It is found that there is significant information asymmetry in China's motor vehicle insurance market, and the distribution of insurance is unbalanced.With the increase of the number of claims, the information asymmetry of the type of insurance differences still exist, but the regional differences tend to disappear.At the same time, the policy-holder has significant positive choice in the choice of compensation limit of commercial third party liability insurance.Finally, some policy suggestions on how to deal with information asymmetry are put forward.
【作者單位】： 山東大學(xué)經(jīng)濟(jì)學(xué)院;
【基金】：山東省社會(huì)科學(xué)規(guī)劃項(xiàng)目《山東省保險(xiǎn)市場(chǎng)信息不對(duì)稱的檢驗(yàn)與對(duì)策研究》(12CJRJ08) 山東大學(xué)自主創(chuàng)新基金《中國(guó)保險(xiǎn)市場(chǎng)信息不對(duì)稱的實(shí)證檢驗(yàn)》(IFW12046)
【分類號(hào)】：F842.6

【參考文獻(xiàn)】

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