机动车保险市场信息不对称分析——来自山东、湖北、四川的经验证据

发布时间：2018-04-01 05:25

本文选题：机动车保险　切入点：信息不对称　出处：《统计与信息论坛》2014年02期

【摘要】：运用中国某大型财产保险公司山东、湖北、四川三省机动车保险的承保和理赔数据,通过建立probit模型和bivariate probit模型实证检验了中国机动车保险市场信息不对称。研究发现,中国机动车保险市场存在显著的信息不对称,且在险种和地区分布上不平衡。随着索赔次数的增加,信息不对称的险种差异仍然存在,但地区差异渐趋消失。同时,投保人在商业第三者责任保险赔偿限额的选择上存在显著的正向选择。最后,对保险公司如何应对信息不对称提出了一些政策建议。
[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.
【作者单位】：山东大学经济学院;
【基金】：山东省社会科学规划项目《山东省保险市场信息不对称的检验与对策研究》(12CJRJ08) 山东大学自主创新基金《中国保险市场信息不对称的实证检验》(IFW12046)
【分类号】：F842.6

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