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https://ah.lib.nccu.edu.tw/handle/140.119/78219
題名: | Information Problems in Bancassurance: Empirical Evidence Based on a Comparison Between Over-the-Counter and Telephone Marketing Customers | 作者: | Peng, Jin-Lung;Wang, Kili C 彭金隆;汪琪玲 |
貢獻者: | 風管系 | 日期: | Sep-2015 | 上傳時間: | 2-Sep-2015 | 摘要: | We investigate the problem of asymmetric information among the different distribution channels of bancassurance, namely, over-the-counter (OTC) selling and telephone marketing (TM). We predict that the bank could bring an information advantage to insurance companies through TM by providing a customer list based on the customers` records in the bank. Bancassurance can play a role of integrating the information that is transferred from the bank to the insurance company. Our empirical evidence shows that, in contrast to OTC customers, there is less evidence of adverse selection, and there is also less evidence of moral hazard or fraud among the TM customers that have been sorted by the bank. This phenomenon could be attributed to the valuable private information provided by the credit records of customers kept by the bank. | 關聯: | Geneva Risk & Insurance Review, 40(2), 102-132 | 資料類型: | article | DOI: | http://dx.doi.org/10.1057/grir.2014.8 |
Appears in Collections: | 期刊論文 |
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