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    Title: 保險購買行為的星期效應及資訊不對稱問題分析
    Analysis of Day of the Week Effect and Information Asymmetry Problem in Insurance Market
    Authors: 陳奕帆
    Chen, Yi-Fan
    Contributors: 彭金隆
    Peng, Jin-Lung
    陳奕帆
    Chen, Yi-Fan
    Keywords: 星期效應
    日曆效應
    行為保險
    資訊不對稱
    Day of the week effect
    Calender effect
    Behavioral insurance
    Information asymmetry
    Date: 2021
    Issue Date: 2021-08-04 14:53:49 (UTC+8)
    Abstract: 結合過去對於星期周日會影響人類心情、心情會影響消費者對風險的偏好與判斷及保險市場中的資訊不對稱問題等文獻,本文探討星期效應對於消費者購買保險的行為影響,以及星期效應與保險資訊不對稱問題之間的相互關係。本文以某壽險公司實際投保2013-2017年間的傷害保險資料為樣本,先對全部樣本的保險金額及理賠與否做基本的敘述統計量,並將全部樣本依要保人職業等級及要保人居住地區別分群,後將上述變數加入後續回歸分析的控制變數中加以分析。實證方法分兩部分,第一部分檢測星期周日的不同,保戶在購買保險時的保險金額有無顯著差異。並將要保人職業為內勤性質工作者與家庭主婦/夫兩種對星期效應感受度不同的職業進行比較,運用最小平方法回歸模型檢視星期效應的存在。第二部分將內勤性質工作者的資料運用兩階段模型法,檢定各星期效應與資訊不對稱問題之間的相互關係。根據本文的實證結果,星期效應確實存在,對於星期周日變化感受度高的消費者,星期一購買傷害險保險金額顯著較低;星期三顯著增加其傷害險保險金額。且星期效果對資訊不對稱問題亦存在顯著影響。
    Combining the past literature on how the day of the week effect affects human mood, mood affects consumers’ preference and judgment of risk, and information asymmetry issues in the insurance market, this article mainly discusses the impact of the day of the week effect on consumers’ insurance purchase behavior and the relationship between the day of the week effect and information asymmetry problems.
    This article takes the actual insurance data of a life insurance company from 2013 to 2017 as a sample. First, we make a basic narrative statistics on the insurance amount and claim settlement of all samples, and divide all samples into groups according to different occupation level and the live area of proposer. The above variables are added to the control variables of the subsequent regression analysis. The empirical method is divided into two parts. The first part detects whether there is a significant difference in the amount of insurance towards different days in a week. And compare office worker proposers with housewife proposers to examine the existence of the day of the week effect. The second part, a two-stage model is used to test the relationship between the weekly effect and the information asymmetry problem using the data of the office workers.
    According to the empirical results of this article, the day of the week effect exists in consumers with high feeling of week system. Their injury insurance amount will be significantly reduced on Monday, and significantly increased on Wednesday. The day of the week effect influences the information asymmetry problem in insurance market.
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    Description: 碩士
    國立政治大學
    風險管理與保險學系
    107358022
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0107358022
    Data Type: thesis
    DOI: 10.6814/NCCU202100802
    Appears in Collections:[風險管理與保險學系] 學位論文

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