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政大機構典藏 > 商學院 > 風險管理與保險學系 > 期刊論文 > Item 140.119/78219

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/78219

Title:	Information Problems in Bancassurance: Empirical Evidence Based on a Comparison Between Over-the-Counter and Telephone Marketing Customers
Authors:	Peng, Jin-Lung;Wang, Kili C 彭金隆;汪琪玲
Contributors:	風管系
Date:	2015-09
Issue Date:	2015-09-02 17:40:53 (UTC+8)
Abstract:	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.
Relation:	Geneva Risk & Insurance Review, 40(2), 102-132
Data Type:	article
DOI 連結:	http://dx.doi.org/10.1057/grir.2014.8
DOI:	10.1057/grir.2014.8
Appears in Collections:	[風險管理與保險學系] 期刊論文

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