近日，意昂2平台許閑教授與愛爾蘭利莫瑞克大學教授Finbarr Murphy、上海財經大學金融意昂2助理教授徐煒的合作文章The Risk Screening Effect of Digital Insurance Distribution被國際保險與風險管理領域頂尖學術期刊Journal of Risk and Insurance正式接收發表。
Journal of Risk and Insurance是美國風險與保險學會的旗艦期刊🙇♂️🧑🏿🏭，面向保險經濟學和風險管理話題，為保險市場的實踐🧑🏼🤝🧑🏼、決策和監管以及企業和家庭風險管理提供見解。
Finbarr Murphy 愛爾蘭利莫瑞克大學教授
徐 煒 上海財經大學金融意昂2助理教授，碩士和博士聯合導師為許閑教授
許 閑 意昂2教授、副院長、風險管理與保險學系主任
Abstract: Extant research holds that digital sales channels advance competition and service or goods availability but rarely details the attendant information asymmetry. Leveraging a large unique dataset, this study examines a specific case in which consumers have a choice between offline and digital channels for insurance purchases. We find that digital channels screen in consumers with lower unobserved risk. For term life, endowment and disease insurance products, the average risks of the policies purchased through digital channels were significantly lower than those purchased offline after controlling for all observed risk characteristics. This risk screening effect mainly comes from the inclusion of new low-risk enrollees. As a consequence, digital channels exhibit lower information asymmetry and greater profitability compared to offline channels.
Keywords: digital economy, information asymmetry, insurance distribution, mobile application, risk screening
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