德国财产责任保险市场的所有权结构与风险承担

IF 2.2 Q3 MANAGEMENT

Journal of Co-operative Organization and Management Pub Date : 2022-06-01 DOI:10.1016/j.jcom.2022.100165

Frederick Schuh , Lukas Michael Noth

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引用次数: 0

摘要

本文研究了财产责任保险公司的组织形式对其风险承担的影响。本文对2000年至2019年期间62家德国财产责任保险公司的投资和承保行为进行了研究。我们发现股票保险公司在承保和投资方面都比共同保险公司承担更高的风险。我们的研究结果与客户、投资者和监管机构相关，因为它们提供了对德国财产责任股票和相互保险公司之间根本差异的见解。保险市场。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Ownership structures and risk taking in the German property-liability insurance market

This paper investigates whether the organizational form of a property-liability insurer influences its risk-taking. We investigate the investment and underwriting behavior of 62 German property-liability insurers in the period from 2000 to 2019. We find that stock insurers take higher risks, both in underwriting and in investments than mutual insurers. Our findings are relevant to customers, investors, and regulators, as they provide insights into the fundamental differences between stock and mutual insurers in the German property-liability.insurance market.

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来源期刊

Journal of Co-operative Organization and Management MANAGEMENT-

CiteScore

4.40

自引率

19.00%

发文量