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タイトル: リスク細分型保険は本当に望ましいか?
その他のタイトル: Is the Separating Equilibrium Really Desirable ?
著者: 大倉, 真人
著者(別表記) : Okura, Mahito
発行日: 2002年12月
出版者: 長崎大学経済学会
引用: 經營と經濟, 82(3), pp.79-94; 2002
抄録: Purpose of this paper is to investigate whether “risk sub-divided insurance” is really desirable or not. Compare to other insurance products, it submits lower insurance premium for low-risk individuals but higher insurance premium for high-risk individuals. Moreover, an adverse selection problem appears because the insurance companies cannot observe each risk type. But the other insurance which does not discriminate the insurance premium is not necessarily desirable because it appears cross subsidization from low-risk individuals to high-risk individuals.This paper concludes that pooling insurance is tendency to socially desirable in the situation where difference between two risk types and/or the number of high risk individuals is low.
キーワード: Risk sub-divided insurance / Adverse selection / Cross subsidization
URI: http://hdl.handle.net/10069/4989
ISSN: 02869101
資料タイプ: Departmental Bulletin Paper
原稿種類: author
出現コレクション:第82巻 第3号

引用URI : http://hdl.handle.net/10069/4989



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