Beyond Testing: Empirical Models of Insurance Markets.
Beyond Testing: Empirical Models of Insurance Markets.
复制标题
除了测试外：保险市场的经验模型。
DOI：
10.1146/annurev.economics.050708.143254
复制
发表时间：
2010
影响因子：
5.6
通讯作者：
Levin J
中科院分区：
文献类型：
--
作者：
Einav L;Finkelstein A;Levin J
我们描述了保险市场实证分析的最新进展。这项新研究提出了在存在逆向和有利选择的情况下估计个人保险需求以及价格和保险公司成本之间关系的方法。我们讨论这些模型如何衡量信息不对称引起的福利扭曲以及潜在的政府政策反应的福利后果。我们还讨论了保险公司之间不完全竞争建模的一些挑战，并概述了一系列开放性研究问题。
We describe recent advances in the empirical analysis of insurance markets. This new research proposes ways to estimate individual demand for insurance and the relationship between prices and insurer costs in the presence of adverse and advantageous selection. We discuss how these models permit the measurement of welfare distortions arising from asymmetric information and the welfare consequences of potential government policy responses. We also discuss some challenges in modeling imperfect competition between insurers and outline a series of open research questions.