Insurance economics:
Saved in:
| Main Authors: | , |
|---|---|
| Format: | Book |
| Language: | English German |
| Published: |
Heidelberg [u.a.]
Springer
2012
|
| Series: | Springer Texts in Business and Economics
|
| Subjects: | |
| Online Access: | Inhaltstext Inhaltsverzeichnis |
| Physical Description: | XVI, 451 S. graph. Darst. |
| ISBN: | 364220547X 9783642205477 |
Staff View
MARC
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Record in the Search Index
| _version_ | 1805096434830147584 |
|---|---|
| adam_text |
IMAGE 1
C O M T T E M I L T S
1 INTRODUCTION: INSURANCE AND ITS ECONOMIC ROLE 1
1.1 BASICS AND DEFINITIONS 1
1.2 RISKS AND THEIR DEVELOPMENT OVER TIME 3
1.3 MACROECONOMIC IMPORTANCE O F INSURANCE 6
1.4 FUNCTIONS O F INSURANCE 11
1.5 MAJOR DETERMINANTS O F THE DEMAND FOR INSURANCE 15
1.5.1 THE EFFECTS OF WEALTH AND INCOME 15
1.5.2 THE EFFECT O F PRICE 18
1.6 SYSTEM ANALYSIS AND ORGANIZATION O F THE BOOK 21
1 .E EXERCISES 23
2 RISK: MEASUREMENT, PERCEPTION, AND MANAGEMENT 25
2.1 DEFINITION AND MEASUREMENT O F RISK 26
2.1.1 DEFINITION O F RISK 2 6
2.1.2 MEASUREMENT O F RISK 27
2.2 SUBJECTIVE PERCEPTION O F RISK, RISK AVERSION, AND THE RISK UTILITY
FUNCTION 32
2.2.1 RISK PERCEPTION AS A SUBJECTIVE AND CULTURAL PHENOMENON 32
2.2.2 RISK AVERSION AND THE RISK UTILITY FUNCTION 34
2.3 WILLINGNESS TO PAY FOR CERTAINTY, RISK AVERSION, AND PRUDENCE . 43
2.3.1 WILLINGNESS TO PAY FOR CERTAINTY, CERTAINTY EQUIVALENT, AND RISK
PREMIUM 43
2.3.2 RISK PREMIUM AND COEFFICIENTS OF RISK AVERSION 4 6
2.3.3 PRUDENCE AND HIGHER-ORDER DERIVATIVES O F THE RISK UTILITY
FUNCTION 51
2.4 ESTIMATES O F RISK AVERSION 53
2.4.1 MICROECONOMIC EVIDENCE 54
2.4.2 MACROECONOMIC EVIDENCE 55
2.5 INSTRUMENTS O F RISK MANAGEMENT 57
2.6 EFFECTIVENESS O F RISK MANAGEMENT AND RISK POLICY MEASURES - 6 0 2.A
APPENDIX: STOCHASTIC DOMINANCE 65
2.A.1 FIRST-DEGREE STOCHASTIC DOMINANCE 65
2. A.2 SECOND-DEGREE STOCHASTIC DOMINANCE 67
2.E EXERCISES 69
XI
HTTP://D-NB.INFO/1012016366
IMAGE 2
XII
CONTENTS
3 INSURANCE DEMAND I: DECISIONS UNDER RISK WITHOUT
DIVERSIFICATION POSSIBILITIES 71
3.1 THE EXPECTED UTILITY MAXIMIZATION HYPOTHESIS 71
3.2 THEORY OF INSURANCE DEMAND 7 6
3.2.1 THE BASIC MODEL 7 6
3.2.2 INSURANCE DEMAND IN THE PRESENCE O F IRREPLACEABLE ASSETS 81
3.3 DEMAND FOR INSURANCE WITHOUT FAIR PREMIUMS 84
3.3.1 OPTIMAL DEGREE O F COVERAGE WITHOUT FAIR PREMIUMS 84 3.3.2 RISK
AVERSION AS A DETERMINANT OF INSURANCE DEMAND . 88 3.3.3 PREMIUM RATE
AND WEALTH AS DETERMINANTS O F INSURANCE DEMAND 89
3.3.4 PARETO-OPTIMAL INSURANCE CONTRACTS 9 4
3.4 DEMAND FOR INSURANCE WITH MULTIPLE RISKS 96
3.5 RELATION BETWEEN INSURANCE DEMAND AND PREVENTION 100
3.6 CRITIQUE OF THE EXPECTED UTILITY HYPOTHESIS AND ALTERNATIVES 105
3.6.1 ANOMALIES OF EXPECTED UTILITY THEORY 105
3.6.2 ALTERNATIVES TO EXPECTED UTILITY THEORY 108
3.E EXERCISES 109
4 INSURANCE DEMAND II: DECISIONS UNDER RISK WITH DIVERSIFICATION
POSSIBILITIES I L L
4.1 RISK MANAGEMENT AND DIVERSIFICATION 112
4.1.1 RISK MANAGEMENT AND INTERNAL DIVERSIFICATION 112
4.1.2 RISK DIVERSIFICATION THROUGH THE CAPITAL MARKET 116
4.1.3 THE CAPITAL ASSET PRICING MODEL (CAPM) 124
4.1.4 ARBITRAGE PRICING THEORY (APT) 130
4.2 RISK MANAGEMENT, FORWARD CONTRACTS, FUTURES, AND OPTIONS 132
4.2.1 HEDGING THROUGH FORWARD CONTRACTS AND OPTIONS 132
4.2.2 HEDGING THROUGH STOCK OPTIONS 135
4.3 CORPORATE DEMAND FOR INSURANCE 139
4.3.1 DEMAND FOR INSURANCE IN THE LIGHT O F CAPITAL MARKET THEORY 139
4.3.2 EMPIRICAL STUDIES O F CORPORATE DEMAND FOR INSURANCE 143
4.3.3 REASONS FOR CORPORATE DEMAND FOR INSURANCE NOT RELATED TO THE
CAPITAL MARKET 146
4.E EXERCISES 148
5 THE INSURANCE COMPANY AND ITS INSURANCE TECHNOLOGY 151
5.1 FINANCIAL STATEMENTS O F AN INSURANCE COMPANY 152
5.1.1 THE BALANCE SHEET 152
5.1.2 OPERATIONAL STATEMENT 156
IMAGE 3
CONTENTS XIII
5.2 OBJECTIVES OF THE IC 160
5.2.1 THEORETICAL CONSIDERATIONS 160
5.2.2 EMPIRICAL EVIDENCE CONCERNING THE IMPORTANCE O F IC OBJECTIVES 163
5.3 SURVEY OF INSURANCE TECHNOLOGY O F AN IC 167
5.3.1 WHAT IS THE OUTPUT O F AN IC? 167
5.3.2 INSTRUMENTS O F INSURANCE TECHNOLOGY 169
5.4 CHOICE O F DISTRIBUTION CHANNEL 170
5.4.1 MAIN DISTRIBUTION CHANNELS FOR INSURANCE PRODUCTS 170 5.4.2 THE
PRINCIPAL-AGENT RELATIONSHIP AS THE UNDERLYING PROBLEM 171
5.4.3 A COMPARISON O F COST O F DISTRIBUTION CHANNELS USING U.S. DATA
173
5.4.4 A STUDY RELATING PERFORMANCE TO INCENTIVES 175
5.5 UNDERWRITING POLICY 177
5.5.1 INSTRUMENTS O F UNDERWRITING POLICY 177
5.5.2 A SIMPLE MODEL O F RISK SELECTION 178
5.6 CONTROLLING MORAL HAZARD EFFECTS 180
5.7 REINSURANCE 184
5.7.1 FUNCTIONS O F REINSURANCE 184
5.7.2 TYPES OF REINSURANCE 186
5.7.3 A MODEL O F DEMAND FOR REINSURANCE BASED ON OPTION PRICING THEORY
188
5.7.4 EMPIRICAL TESTING OF THE MODEL 194
5.8 CAPITAL INVESTMENT POLICY 197
5.E EXERCISES 203
6 THE SUPPLY O F INSURANCE 205
6.1 TRADITIONAL PREMIUM CALCULATION 206
6.1.1 CLAIMS PROCESS AND LOSS DISTRIBUTION 206
6.1.2 BASICS O F PROBABILITY THEORY AND INSURER'S RISK 215
6.1.3 PREMIUM PRINCIPLES 219
6.2 FINANCIAL MODELS O F INSURANCE PRICING 222
6.2.1 PORTFOLIO OPTIMIZATION BY THE IC 223,
6.2.2 PRICING ACCORDING TO INSURANCE CAPM 223
6.2.3 PRICING ACCORDING TO OPTION PRICING THEORY 229
6.2.4 EMPIRICAL EVIDENCE ON THE ACTUAL BEHAVIOR O F IC 233
6.3 ECONOMIES O F SCOPE 241
6.3.1 ECONOMIES O F SCOPE AND PROPERTIES O F THE COST FUNCTION 241
6.3.2 EMPIRICAL RELEVANCE O F ECONOMIES O F SCOPE 243
6.3.3 STOCHASTIC ECONOMIES O F SCOPE 245
IMAGE 4
XIV CONTENTS
6.4 ECONOMIES O F SCALE 246
6.4.1 DEFINITIONAL ISSUES 246
6.4.2 EMPIRICAL RELEVANCE OF ECONOMIES O F SCALE IN LIFE INSURANCE 249
6.4.3 EMPIRICAL RELEVANCE O F ECONOMIES O F SCALE IN NON-LIFE INSURANCE
253
6.4.4 ALTERNATIVES AND EXTENSIONS 254
6.4.5 SCALE ECONOMIES AND SIZE O F MARKET 257
6.E EXERCISES 259
7 INSURANCE MARKETS AND ASYMMETRIC INFORMATION 265
7.1 ASYMMETRIC INFORMATION AND ITS CONSEQUENCES 265
1.2 MORAL HAZARD 268
7.2.1 DEFINITION AND IMPORTANCE O F MORAL HAZARD 268
7.2.2 EX-ANTE MORAL HAZARD 270
7.2.3 MARKET EQUILIBRIUM WITH EX-ANTE MORAL HAZARD 277
7.2.4 EMPIRICAL EVIDENCE ON EX-ANTE MORAL HAZARD 281
7.2.5 EX-POST MORAL HAZARD IN SHORT-TERM DISABILITY INSURANCE 284
7.3 ADVERSE SELECTION 291
7.3.1 ADVERSE SELECTION IN A SINGLE-PERIOD FRAMEWORK 291
7.3.2 EMPIRICAL RELEVANCE OF ADVERSE SELECTION 299
7.3.3 ADVERSE SELECTION IN A MULTI-PERIOD CONTEXT 303
7.3.4 EMPIRICAL EVIDENCE REGARDING THE EXPERIENCE-RATING MODEL 309
7.4 ADVERSE SELECTION AND MORAL HAZARD IN COMBINATION 311
7.E EXERCISES 313
8 REGULATION O F INSURANCE 315
8.1 OBJECTIVES AND TYPES O F INSURANCE REGULATION 315
8.1.1 OBJECTIVES O F INSURANCE REGULATION 315
8.1.2 AVOIDANCE O F NEGATIVE EXTERNALITIES 316
8.1.3 MATERIAL REGULATION 316
8.1.4 REGULATION LIMITED TO FORMAL REQUIREMENTS 320
8.1.5 HISTORICAL DIFFERENCES IN INSURANCE REGULATION BETWEEN COUNTRIES
322
8.2 THREE COMPETING THEORIES OF REGULATION 323
8.2.1 PUBLIC INTEREST THEORY 323
8.2.2 CAPTURE THEORY 324
8.2.3 MARKET FOR REGULATION THEORY : 324
8.2.4 EMPIRICALLY TESTABLE IMPLICATIONS FOR INSURANCE 326
IMAGE 5
CONTENTS X V
8.3 EFFECTS O F INSURANCE REGULATION 328
8.3.1 EVIDENCE FROM THE UNITED STATES 328
8.3.2 RISK-BASED CAPITAL AS THE U.S. REGULATORY RESPONSE 335
8.3.3 EVIDENCE FROM EUROPE 336
8.4 RECENT TRENDS IN INSURANCE REGULATION 341
8.4.1 THE FINANCIAL CRISIS OF 2007-2009 341
8.4.2 THE CONVERGENCE O F BANKING AND INSURANCE AND REGULATION 342
8.4.3 SYSTEMIC RISK IN INSURANCE MARKETS? 343
8.4.4 CHARACTERIZATION O F RECENT REGULATORY INITIATIVES 345
8.E EXERCISES 347
9 SOCIAL INSURANCE 349
9.1 IMPORTANCE O F SOCIAL INSURANCE 350
9.2 WHY SOCIAL INSURANCE? 351
9.2.1 SOCIAL INSURANCE AS AN EFFICIENCY-ENHANCING INSTITUTION 352
9.2.2 SOCIAL INSURANCE AS AN INSTRUMENT WIELDED BY POLITICAL DECISION
MAKERS 359
9.3 OVERVIEW O F THE BRANCHES O F SOCIAL INSURANCE 361
9.3.1 STRUCTURAL CHARACTERISTICS O F SOCIAL INSURANCE 361
9.3.2 IMPORTANCE O F BRANCHES O F SOCIAL INSURANCE 363
9.4 REQUIREMENTS FOR EFFICIENT SOCIAL INSURANCE 363
9.4.1 COMPARING THE EFFICIENCY O F PROVISION FOR OLD AGE 364
9.4.2 EFFICIENCY ASSESSMENT FROM A PORTFOLIO THEORY PERSPECTIVE 367
9.5 MACROECONOMIC IMPACTS O F SOCIAL INSURANCE 371
9.5.1 IMPACTS O F PROVISION FOR OLD AGE 373
9.5.2 IMPACTS O F SOCIAL HEALTH INSURANCE 381
9.5.3 IMPACTS O F UNEMPLOYMENT INSURANCE 385
9.5.4 OPTIMAL AMOUNT O F SOCIAL INSURANCE 386
9.E EXERCISES 391
10 CHALLENGES CONFRONTING INSURANCE 393
10.1 * GLOBALIZATION O F INTERNATIONAL ECONOMIC RELATIONS 394
\ 10.1.1 GLOBALIZATION AND CORPORATE INSURANCE 394
10.1.2 GLOBALIZATION AND INDIVIDUAL INSURANCE 395
10.2 CHANGES IN SCIENCE AND TECHNOLOGY 396
10.2.1 GENETIC INFORMATION 396
10.2.2 ADVANCES IN INFORMATION TECHNOLOGY 402
10.3 CHANGES IN LEGAL NORMS 405
10.3.1 PRINCIPAL ELEMENTS O F INSURANCE CONTRACT LAW 405
10.3.2 CONSEQUENCES O F DEREGULATION 406
IMAGE 6
XVI CONTENTS
10.4 INCREASED FREQUENCY AND SEVERITY O F CATASTROPHIC
EVENTS 407
10.4.1 NEW ELEMENTS OF INSURANCE TECHNOLOGY 408
10.4.2 ISSUES LINKED TO REINSURANCE O F CATASTROPHIC RISKS 413
10.4.3 ALTERNATIVE RISK TRANSFER THROUGH CAPITAL MARKETS 413
10.5 DEMOGRAPHIC CHANGE 416
10.5.1 AGING O F POPULATION 416
10.5.2 INCREASING SHARE OF ONE-PERSON HOUSEHOLDS 418
10.6 FINAL REMARKS 419
REFERENCES 423
AUTHOR INDEX 435
SUBJECT INDEX 439 |
| any_adam_object | 1 |
| author | Zweifel, Peter 1946- Eisen, Roland 1941- |
| author_GND | (DE-588)120982196 (DE-588)123165369 |
| author_facet | Zweifel, Peter 1946- Eisen, Roland 1941- |
| author_role | aut aut |
| author_sort | Zweifel, Peter 1946- |
| author_variant | p z pz r e re |
| building | Verbundindex |
| bvnumber | BV039147449 |
| classification_rvk | PE 520 QQ 600 |
| classification_tum | WIR 190f |
| ctrlnum | (OCoLC)745515355 (DE-599)DNB1012016366 |
| dewey-full | 368.006 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 368 - Insurance |
| dewey-raw | 368.006 |
| dewey-search | 368.006 |
| dewey-sort | 3368.006 |
| dewey-tens | 360 - Social problems and services; associations |
| discipline | Rechtswissenschaft Wirtschaftswissenschaften |
| format | Book |
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| indexdate | 2024-07-20T11:15:08Z |
| institution | BVB |
| isbn | 364220547X 9783642205477 |
| language | English German |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-024165328 |
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| physical | XVI, 451 S. graph. Darst. |
| publishDate | 2012 |
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| record_format | marc |
| series2 | Springer Texts in Business and Economics |
| spelling | Zweifel, Peter 1946- Verfasser (DE-588)120982196 aut Versicherungsökonomie Insurance economics Peter Zweifel ; Roland Eisen Heidelberg [u.a.] Springer 2012 XVI, 451 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Springer Texts in Business and Economics Versicherungsbetriebslehre (DE-588)4078850-7 gnd rswk-swf (DE-588)4123623-3 Lehrbuch gnd-content Versicherungsbetriebslehre (DE-588)4078850-7 s DE-604 Eisen, Roland 1941- Verfasser (DE-588)123165369 aut Erscheint auch als Online-Ausgabe 978-3-642-20548-4 X:MVB text/html http://deposit.dnb.de/cgi-bin/dokserv?id=3827379&prov=M&dok_var=1&dok_ext=htm Inhaltstext DNB Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=024165328&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Zweifel, Peter 1946- Eisen, Roland 1941- Insurance economics Versicherungsbetriebslehre (DE-588)4078850-7 gnd |
| subject_GND | (DE-588)4078850-7 (DE-588)4123623-3 |
| title | Insurance economics |
| title_alt | Versicherungsökonomie |
| title_auth | Insurance economics |
| title_exact_search | Insurance economics |
| title_full | Insurance economics Peter Zweifel ; Roland Eisen |
| title_fullStr | Insurance economics Peter Zweifel ; Roland Eisen |
| title_full_unstemmed | Insurance economics Peter Zweifel ; Roland Eisen |
| title_short | Insurance economics |
| title_sort | insurance economics |
| topic | Versicherungsbetriebslehre (DE-588)4078850-7 gnd |
| topic_facet | Versicherungsbetriebslehre Lehrbuch |
| url | http://deposit.dnb.de/cgi-bin/dokserv?id=3827379&prov=M&dok_var=1&dok_ext=htm http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=024165328&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
| work_keys_str_mv | AT zweifelpeter versicherungsokonomie AT eisenroland versicherungsokonomie AT zweifelpeter insuranceeconomics AT eisenroland insuranceeconomics |