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保险市场道德风险实证研究评述 被引量:7

A review on empirical research of moral hazard in insurance market
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摘要 本文梳理了近年来国内外学者关于保险市场道德风险实证研究的文献,分别从理论基础、实证方法、实证结果三个方面进行评述,总结了目前该领域相关研究尚存在的问题,同时对保险市场道德风险实证研究的未来发展方向提出了相关看法和建议。 We reviewed the key papers on moral hazards of the insurance market in recent years, and analyzed these papers from aspects of theoretical foundation, empirical research method, and empirical conclusions respectively. Moreover,we summed up the main problems in empirical study on this topic currently, and made forecast and proposition on the direction of future research.
作者 赵桂芹 吴洪
出处 《保险研究》 北大核心 2011年第4期116-123,共8页 Insurance Studies
基金 上海市社科规划项目(2010EJB007) 上海财经大学211工程三期重点学科建设项目的资助
关键词 保险市场 道德风险 实证研究 条件相关 insurance market moral hazard empirical study conditional relation
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  • 1蔡英哲 郑安峰.《台湾车体损失保险不对称讯息的实证研究》[J].管理学报,2006,23(2):227-240. 被引量:1
  • 2Amott, R. and Stiglitz, J. , 1988, "The Basic Analytics of Moral Hazard", Scandinavian Journal of Economics, 90,383 -413. 被引量:1
  • 3Chassagnon, A. and Chiappori, P.A. , 1997, “Insurance Under Moral Hazard and Adverse Selection : The Case of Perfect Competition”. DELTA, Mimeo. 被引量:1
  • 4Chiappori, P.A. and B. Salani6 , 2000, "Testing for Asymmetric Information in Insurance Markets", Journal of Political Economy, 108,56 - 78. 被引量:1
  • 5Chiappori, P.A. , 2000, "Econometric Models of Insurance under Asymmetric Information", in Handbook of Insurance, edited by Georges Dionne. Boston: Kluwer. 被引量:1
  • 6Chiappori, P.A. ," B. Jullien, B. Salanie and F. Salanie, 2006, "Asymmetric Information in Insurance : General Testable Implications", Rand Journal of Economics. 被引量:1
  • 7Dionne, G. , C. Gourieroux and C. Vanasse , 2001, “Testing for Evidence of Adverse Selection in the Automobile Insurance Market: A Comment”, Journal of Political Ecnomy, 109,444 -453. 被引量:1
  • 8Eisenhauer, J. , 2004, “Risk Aversion and the Wilhngness to Pay for Insurance: a Cautionary Discussion of Adverse Selection.” Risk Management and Insurance Review, 7,165 -175. 被引量:1
  • 9Gourieroux, C., M. Alain, R. Eric and T. Alain, 1987, "Generalised Residuals", Journal of Econometrics, 34, 5 -32. 被引量:1
  • 10Puelz, R. and A. Snow, 1994,“Evidence on Adverse Selection: Equilibrium Signaling and Cross Subsidization in the Insurance Market”, Journal of Political Economy, 102,236 - 257. 被引量:1

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