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Issue Information: Journal of Risk and Insurance 12/2024 发行信息：风险与保险期刊 12/2024
IF 2.1 3区 经济学
Journal of Risk and Insurance Pub Date : 2024-11-20 DOI: 10.1111/jori.12498
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引用次数: 0
Membership Benefits 会员福利
IF 2.1 3区 经济学
Journal of Risk and Insurance Pub Date : 2024-11-20 DOI: 10.1111/jori.12499
{"title":"Membership Benefits","authors":"","doi":"10.1111/jori.12499","DOIUrl":"https://doi.org/10.1111/jori.12499","url":null,"abstract":"","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"91 4","pages":"1089"},"PeriodicalIF":2.1,"publicationDate":"2024-11-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/jori.12499","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142685347","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The role of government versus private sector provision of insurance 政府与私营部门在提供保险方面的作用
IF 2.1 3区 经济学
Journal of Risk and Insurance Pub Date : 2024-11-14 DOI: 10.1111/jori.12497
Arthur Charpentier
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引用次数: 0
The economics of emerging insurance technologies: Theory and early evidence 新兴保险技术的经济学：理论与早期证据
IF 2.1 3区 经济学
Journal of Risk and Insurance Pub Date : 2024-11-11 DOI: 10.1111/jori.12495
Daniel Bauer, Joan Schmit, Justin Sydnor
{"title":"The economics of emerging insurance technologies: Theory and early evidence","authors":"Daniel Bauer, Joan Schmit, Justin Sydnor","doi":"10.1111/jori.12495","DOIUrl":"https://doi.org/10.1111/jori.12495","url":null,"abstract":"","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"91 4","pages":"809-812"},"PeriodicalIF":2.1,"publicationDate":"2024-11-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142691208","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The effect of subsidized flood insurance on real estate markets 洪水保险补贴对房地产市场的影响
IF 2.1 3区 经济学
Journal of Risk and Insurance Pub Date : 2024-11-05 DOI: 10.1111/jori.12491
Nicola Garbarino, Benjamin Guin, Jonathan Lee
{"title":"The effect of subsidized flood insurance on real estate markets","authors":"Nicola Garbarino,&nbsp;Benjamin Guin,&nbsp;Jonathan Lee","doi":"10.1111/jori.12491","DOIUrl":"https://doi.org/10.1111/jori.12491","url":null,"abstract":"<p>Subsidized insurance against extreme weather events improves affordability among households in at-risk areas but it can weaken the risk signal via property prices. Leveraging a granular data set of all property transactions and flood events in England, we study the effects of a reinsurance scheme that lowers insurance premiums for at-risk properties. We document that the introduction of this scheme increases prices and transaction volumes of flood-prone properties. This fully offsets the negative direct effects of flooding on property prices, with high-income areas and high-value properties benefiting relatively more. Our findings speak to the debate on climate adaptation policies and their consequences for wealth distribution.</p>","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"91 4","pages":"991-1024"},"PeriodicalIF":2.1,"publicationDate":"2024-11-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/jori.12491","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142685329","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The risk screening effect of digital insurance distribution 数字保险分销的风险筛选效应
IF 2.1 3区 经济学
Journal of Risk and Insurance Pub Date : 2024-11-04 DOI: 10.1111/jori.12496
Finbarr Murphy, Wei Xu, Xian Xu
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引用次数: 0
Insurtech, sensor data, and changes in customers' coverage choices: Evidence from usage‐based automobile insurance 保险科技、传感器数据和客户保险选择的变化：基于使用的汽车保险的证据
IF 1.9 3区 经济学
Journal of Risk and Insurance Pub Date : 2024-09-09 DOI: 10.1111/jori.12490
Miremad Soleymanian, Charles B. Weinberg, Ting Zhu
{"title":"Insurtech, sensor data, and changes in customers' coverage choices: Evidence from usage‐based automobile insurance","authors":"Miremad Soleymanian, Charles B. Weinberg, Ting Zhu","doi":"10.1111/jori.12490","DOIUrl":"https://doi.org/10.1111/jori.12490","url":null,"abstract":"In this paper, we examine the role of usage‐based auto insurance on customers' decisions to change their insurance coverage at the renewal. Using a sample of 135,540 customers, we study whether usage‐based insurance (UBI) can facilitate the upselling and cross‐selling efforts of the firm, possibly leading to higher coverage choices and additional insurance product purchases. Our results suggest that UBI customers are more likely to change their coverage choice than non‐UBI customers at first (but not second) renewal. Both price discounts and the information provided by UBI affect the customers' coverage changes. Among UBI customers, those who get higher UBI discounts are more likely to both increase their insurance coverage (upselling) and add the comprehensive coverage option (cross‐selling), which is not directly related to driving behavior at the time of first (annual) renewal. Moreover, customers who have received more negative feedback (daily hard brakes) are more likely to increase their insurance coverage.","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"42 1","pages":""},"PeriodicalIF":1.9,"publicationDate":"2024-09-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142225761","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Issue Information: Journal of Risk and Insurance 3/2024 发行信息：风险与保险》杂志 3/2024
IF 2.1 3区 经济学
Journal of Risk and Insurance Pub Date : 2024-08-20 DOI: 10.1111/jori.12486
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引用次数: 0
Membership Benefits 会员福利
IF 2.1 3区 经济学
Journal of Risk and Insurance Pub Date : 2024-08-20 DOI: 10.1111/jori.12488
{"title":"Membership Benefits","authors":"","doi":"10.1111/jori.12488","DOIUrl":"https://doi.org/10.1111/jori.12488","url":null,"abstract":"","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"91 3","pages":"803-804"},"PeriodicalIF":2.1,"publicationDate":"2024-08-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/jori.12488","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142013518","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Loan guarantees and SMEs' investments under asymmetric information and Bayesian learning 不对称信息和贝叶斯学习条件下的贷款担保和中小企业投资
IF 2.1 3区 经济学
Journal of Risk and Insurance Pub Date : 2024-07-11 DOI: 10.1111/jori.12485
Pengfei Luo, Huamao Wang, Zhaojun Yang
{"title":"Loan guarantees and SMEs' investments under asymmetric information and Bayesian learning","authors":"Pengfei Luo,&nbsp;Huamao Wang,&nbsp;Zhaojun Yang","doi":"10.1111/jori.12485","DOIUrl":"10.1111/jori.12485","url":null,"abstract":"<p>We develop a dynamic investment model with loan guarantees wherein insurers face information disadvantages and learn about borrower quality. Borrowers signal their qualities through investment timing, which is characterized by the investment threshold and elapsed time. We derive the conditions for separating or pooling equilibria. We show that the separating investment threshold is constant and determined mainly by the maximum threshold preventing mimicry. If project risk is higher (lower) than the market growth rate, the pooling investment threshold declines (increases) with elapsed time, and learning enhances (reduces) the willingness of high-quality borrowers to wait. Learning alleviates adverse selection and reduces guarantee costs. These effects are more pronounced with a greater uncertainty of the insurer on borrower quality. We reveal dual effects of waiting. The worse the market prospect, the higher the value of waiting in pooling outcomes. Fee-for-guarantee swaps are superior to equity-for-guarantee swaps in environments with marked information asymmetry.</p>","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"91 3","pages":"567-598"},"PeriodicalIF":2.1,"publicationDate":"2024-07-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141612880","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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