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政大典藏 > College of Commerce > Department of Risk Management and Insurance > Periodical Articles > Item 140.119/142856

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/142856

Title:	Does the Weather Effect Exist in Insurance Market? 天氣效應是否存在保險市場？
Authors:	彭金隆 Peng, Jin-lung 陳彥志;陳奕帆;古乙辰 Chen, Yen-chih;Chen, Yi-fan;Ku, Yi-chen
Contributors:	風管系
Keywords:	Weather effect;Sunshine effect;Insurance market;Consumer sentiment;Behavioral insurance 天氣效應;陽光效應;保險市場;消費者情緒;行為保險
Date:	2022-06
Issue Date:	2022-12-27 10:46:09 (UTC+8)
Abstract:	This study aims to determine the weather effect in the life insurance industry. We investigate if weather influences insurance purchase behavior using actual data provided by a life insurance company in Taiwan. We examine the influence of weather factors, such as sunshine duration, temperature, humidity, rainfall, utilizing detailed data with dates and places of signed accident insurance contracts between 2015 and 2019. Our results reveal that the weather effect exists in Taiwan`s life insurance market. We also find that bad (good) weather significantly increases (decreases) insurance amount. 本研究針對不同天氣因素對保險購買行為進行研究，利用國內某壽險公司2015年至2019年意外傷害保險投保資料與天氣資料進行實證。發現保險市場存在天氣效應，天氣確實會影響要保人的保險金額，但不同地區因天氣型態不同而影響效果也不同。另外發現交易日屬於惡劣天氣時，保險金額顯著較高，反之舒適天氣日，購買保險金額顯著較低。
Relation:	Journal of Financial Studies(財務金融學刊), Vol.30, No.2, pp.41-68
Data Type:	article
DOI link:	https://doi.org/10.6545/JFS.202206_30(2).0002
DOI:	10.6545/JFS.202206_30(2).0002
Appears in Collections:	[Department of Risk Management and Insurance] Periodical Articles

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