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スザワ ヨシヒコ
SUZAWA YOSHIHIKO
諏澤 吉彦 所属 京都産業大学 経営学部 会計ファイナンス学科 職種 教授 |
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| 言語種別 | 英語 |
| 発行・発表の年月 | 2020/03 |
| 形態種別 | 研究論文 |
| 標題 | Risk Evaluation Accuracy Using Insurtech and Policyholders’ Coverage Selection: An Analysis Based on an Equilibrium Model |
| 執筆形態 | 単著 |
| 掲載誌名 | 京都マネジメント・レビュー |
| 掲載区分 | 国内 |
| 出版社・発行元 | 京都マネジメント研究会 |
| 巻・号・頁 | (36) |
| 概要 | This study aims to demonstrate the effect of accurate risk evaluation by Insurtech on the participants’ selection of insurance coverage, based on the canonical separating market equilibrium model. The analysis reveals that low-risk individuals tend to purchase less coverage in case a cross-subsidy factor is embedded based on a constant ratio. Meanwhile, when cross-subsidy is factored into the premiums at a constant value, individuals are willing to be fully insured regardless of their risk characteristics. |