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Journal of Risk and Insurance最新文献

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Annual Meeting 年度会议
IF 1.9 3区 经济学
Journal of Risk and Insurance Pub Date : 2026-09-08 DOI: 10.1111/jori.70085
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引用次数: 0
Issue Information: Journal of Risk and Insurance 2/2026 发行信息：Journal of Risk and Insurance第2/2026期
IF 1.7 3区 经济学
Journal of Risk and Insurance Pub Date : 2026-05-31 DOI: 10.1111/jori.70062
{"title":"Issue Information: Journal of Risk and Insurance 2/2026","authors":"","doi":"10.1111/jori.70062","DOIUrl":"https://doi.org/10.1111/jori.70062","url":null,"abstract":"","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"93 2","pages":"307-309"},"PeriodicalIF":1.7,"publicationDate":"2026-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/jori.70062","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148127866","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
Improving children's health outcomes: The effect of China's urban and rural resident basic medical insurance 改善儿童健康结局：中国城乡居民基本医疗保险的效果
IF 1.7 3区 经济学
Journal of Risk and Insurance Pub Date : 2026-05-31 Epub Date: 2026-01-09 DOI: 10.1111/jori.70037
Jing Guan, J. D. Tena
{"title":"Improving children's health outcomes: The effect of China's urban and rural resident basic medical insurance","authors":"Jing Guan,&nbsp;J. D. Tena","doi":"10.1111/jori.70037","DOIUrl":"https://doi.org/10.1111/jori.70037","url":null,"abstract":"<p>Although many researchers have studied the introduction of social medical insurance schemes, few have examined their long-term effects on children. This paper estimates the impact of China's Urban and Rural Resident Basic Medical Insurance (URRBMI) on children's health. The policy was rolled out gradually across Chinese provinces. Using recent econometric methods that avoid the issue of negative weights in staggered treatments, we show that URRBMI reduced sickness frequency. It also led to decreased hospital use and lower out-of-pocket costs. The policy also improved satisfaction, boosted insurance participation, and strengthened human capital indicators. We find stronger effects for boys and children living in urban areas. In contrast, the impact on rural children takes longer to appear. These results hold across different econometric methods and variable definitions.</p>","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"93 2","pages":"455-475"},"PeriodicalIF":1.7,"publicationDate":"2026-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/jori.70037","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148104793","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
Auto insurance fraud detection: Machine learning and deep learning applications 汽车保险欺诈检测：机器学习和深度学习应用
IF 1.7 3区 经济学
Journal of Risk and Insurance Pub Date : 2026-05-31 Epub Date: 2026-03-19 DOI: 10.1111/jori.70046
Meryem Yankol-Schalck
{"title":"Auto insurance fraud detection: Machine learning and deep learning applications","authors":"Meryem Yankol-Schalck","doi":"10.1111/jori.70046","DOIUrl":"https://doi.org/10.1111/jori.70046","url":null,"abstract":"<p>Insurance fraud detection remains a challenging task due to severe data imbalance, evolving fraudulent behaviors, and the high false-negative rates exhibited by several state-of-the-art machine learning models. Traditional approaches often struggle to generalize real-world data and capture complex, non-linear feature interactions in insurance claims. This study aims to improve fraud detection performance by leveraging recent advances in deep learning. A comprehensive comparison between traditional machine learning models and deep learning techniques is performed on two distinct datasets using resampling strategies. The study proposes three convolutional neural network-based architectures to improve detection accuracy. Furthermore, a hybrid machine learning deep learning (ML-DL) framework is introduced to more effectively leverage discriminative features. Experimental results demonstrate that deep learning models would vary on each dataset due to the presence of variations in data characteristics, while the proposed hybrid ML–DL model achieves the best overall performance, highlighting its effectiveness in improving fraud prediction accuracy.</p>","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"93 2","pages":"534-568"},"PeriodicalIF":1.7,"publicationDate":"2026-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148114615","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
Pollution liability insurance and corporate environmental compliance in China 污染责任保险与中国企业环境合规
IF 1.7 3区 经济学
Journal of Risk and Insurance Pub Date : 2026-05-31 Epub Date: 2025-11-26 DOI: 10.1111/jori.70029
Alecia Cassidy, Fan Wu, Yiyuan Zhang
{"title":"Pollution liability insurance and corporate environmental compliance in China","authors":"Alecia Cassidy,&nbsp;Fan Wu,&nbsp;Yiyuan Zhang","doi":"10.1111/jori.70029","DOIUrl":"https://doi.org/10.1111/jori.70029","url":null,"abstract":"<p>This study examines the effect of a pollution liability insurance mandate on corporate environmental compliance in Shenzhen, China. We employ a triple differences design, comparing electroplating and circuit board (ECB) manufacturing firms, mandated to purchase insurance, to industries and a neighboring city without the mandate. Results show a 0.48 reduction in annual environmental violations per firm (a 72% decrease) across all Shenzhen ECB firms. Within the Shenzhen ECB industry, only about half of firms comply. Notably, both insured and uninsured firms reduced violations, consistent with anticipation that (eventual) premiums would depend on past violations. The insurance could generate two opposing forces: premium-based incentives to reduce violations versus moral hazard among the insured. We find suggestive evidence that insured firms' environmental compliance gains are partially offset by moral hazard. Our findings demonstrate that premium-based incentives dominate and effectively counteract market failures due to asymmetric information, increasing environmental compliance on net.</p>","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"93 2","pages":"311-348"},"PeriodicalIF":1.7,"publicationDate":"2026-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148122944","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
From gateway to value ladder—The curious case of online mutual aid in China 从门户到价值阶梯——中国在线互助的奇特案例
IF 1.7 3区 经济学
Journal of Risk and Insurance Pub Date : 2026-05-31 Epub Date: 2026-01-14 DOI: 10.1111/jori.70038
Ze Chen, Runhuan Feng, Miao Guo, Tianyang Wang
{"title":"From gateway to value ladder—The curious case of online mutual aid in China","authors":"Ze Chen,&nbsp;Runhuan Feng,&nbsp;Miao Guo,&nbsp;Tianyang Wang","doi":"10.1111/jori.70038","DOIUrl":"https://doi.org/10.1111/jori.70038","url":null,"abstract":"<p>This study examines how InsurTech-enabled information provision, specifically the disclosure of claimant information previously unavailable in conventional insurance, influences individuals' insurance uptake. We leverage Mutual Aid (MA) platforms as a natural context to examine how socially framed loss information, peer influence, and salience shape insurance decisions, offering broader insights into the role of InsurTech within traditional insurance markets. Using unique user-level data from a leading MA platform in China and a dynamic discrete choice framework, we show that engagement with MA activities significantly increases the likelihood of subsequent private insurance uptake. Our counterfactual simulations highlight the critical role of strategically structured information in promoting insurance adoption. Overall, the study demonstrates how a digitally mediated and publicly observable risk-sharing environment can shape consumer behavior and provides new perspectives on the evolving intersection between InsurTech and traditional insurance markets.</p>","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"93 2","pages":"349-387"},"PeriodicalIF":1.7,"publicationDate":"2026-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/jori.70038","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148109616","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
Membership Benefits 会员好处
IF 1.7 3区 经济学
Journal of Risk and Insurance Pub Date : 2026-05-31 DOI: 10.1111/jori.70064
{"title":"Membership Benefits","authors":"","doi":"10.1111/jori.70064","DOIUrl":"https://doi.org/10.1111/jori.70064","url":null,"abstract":"","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"93 2","pages":""},"PeriodicalIF":1.7,"publicationDate":"2026-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/jori.70064","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148127771","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 the health effect in estimating the willingness to pay for long-term care insurance 健康效应在估计长期护理保险支付意愿中的作用
IF 1.7 3区 经济学
Journal of Risk and Insurance Pub Date : 2026-05-31 Epub Date: 2025-12-07 DOI: 10.1111/jori.70032
Zining Liu, Youji Lyu, Yi Yao, Wei Zheng
{"title":"The role of the health effect in estimating the willingness to pay for long-term care insurance","authors":"Zining Liu,&nbsp;Youji Lyu,&nbsp;Yi Yao,&nbsp;Wei Zheng","doi":"10.1111/jori.70032","DOIUrl":"https://doi.org/10.1111/jori.70032","url":null,"abstract":"<p>Having long-term care insurance (LTCI) impacts the insured's health status, a phenomenon referred to as the health effect. This paper estimates the willingness to pay for LTCI, utilizing a utility-based model that incorporates the health effect by using an LTCI-dependent health transition matrix. The findings reveal an inverted U-shaped relationship between willingness to pay and level of wealth. Inclusion of the health effect leads to a moderate increase in willingness to pay for the entire population. Notably, the rise in willingness to pay is more pronounced for in-kind benefit programs (which provide direct services) compared to in-cash benefit programs, particularly among women. This suggests a theoretical shift in the preferred LTCI benefit design, as pinned down by imputed willingness to pay—from in-cash benefits (when the health effect is excluded) to in-kind benefits (when the health effect is considered). These findings have important implications for LTCI policy evaluation and design.</p>","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"93 2","pages":"419-454"},"PeriodicalIF":1.7,"publicationDate":"2026-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148134453","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
Validation of machine learning based scenario generators 基于机器学习的场景生成器的验证
IF 1.7 3区 经济学
Journal of Risk and Insurance Pub Date : 2026-05-31 Epub Date: 2026-02-15 DOI: 10.1111/jori.70040
Gero Junike, Solveig Flaig, Ralf Werner
{"title":"Validation of machine learning based scenario generators","authors":"Gero Junike,&nbsp;Solveig Flaig,&nbsp;Ralf Werner","doi":"10.1111/jori.70040","DOIUrl":"https://doi.org/10.1111/jori.70040","url":null,"abstract":"<p>Machine learning (ML) methods are becoming increasingly important for designing economic scenario generators for internal models. Validating data-driven models requires different methods than validating classical, theory-based models. We discuss two novel aspects of such validation: first, checking the multivariate distribution of risk factors, and second, detecting unwanted memorization effects. The first task is necessary because, in ML-based methods, dependencies are driven by data rather than derived from a financial-mathematical theory. To address this first issue, we propose using an existing test from the literature. The second task is necessary because it cannot be ruled out that ML-based models merely reproduce empirical data rather than generating new scenarios. For the second issue, we introduce a novel memorization ratio together with a thorough discussion. We include numerical experiments based on real market data and validate a simple autoencoder-based scenario generator.</p>","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"93 2","pages":"508-533"},"PeriodicalIF":1.7,"publicationDate":"2026-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://onlinelibrary.wiley.com/doi/epdf/10.1111/jori.70040","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148110496","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
Risk attention and insurance uptake 风险关注和保险吸收
IF 1.7 3区 经济学
Journal of Risk and Insurance Pub Date : 2026-05-31 Epub Date: 2026-04-30 DOI: 10.1111/jori.70053
Ruo Jia, Jiawei Mo, Ye Yuan, Chang Zhang
{"title":"Risk attention and insurance uptake","authors":"Ruo Jia,&nbsp;Jiawei Mo,&nbsp;Ye Yuan,&nbsp;Chang Zhang","doi":"10.1111/jori.70053","DOIUrl":"https://doi.org/10.1111/jori.70053","url":null,"abstract":"<p>We examine risk attention as an overlooked driver of insurance uptake. We leverage the COVID-19 pandemic as a natural experiment—when all COVID-related expenses were covered by public funds in China and public attention shifted to the only major under-covered source of catastrophic medical spending: critical illnesses (CI). Using a unique private CI insurance dataset with both unbound insurance applications and bound contracts, we document a rise in bound insurance contracts and a disproportionately larger increase in unbound applications, particularly among lower-risk individuals. This surge reflects the increased interest and awareness of CI risks and insurance, as well as realized CI insurance uptake. We find robust evidence that the surge is driven by heightened attention to previously overlooked CI risks, and rule out competing explanations.</p>","PeriodicalId":51440,"journal":{"name":"Journal of Risk and Insurance","volume":"93 2","pages":"388-418"},"PeriodicalIF":1.7,"publicationDate":"2026-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148125396","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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