Impact of Insurers' Technology Accessibility as Private Information on Market Structure

：曾燕（中山大学）
：2023-07-20 14:00
：海韵园实验楼105报告厅

报告人：曾燕（中山大学）

时  间：2023年7月20日14:00

地  点：海韵园实验楼105报告厅

内容摘要:

This paper develops a theoretical framework with heterogeneous customers and two representative insurers to study the impact of insurers’ technology accessibility on their technology adoption decisions and market shares. Intuitively, when technology accessibility is observable, an insurer’s access to a new technology improves its market share. However, when technology accessibility is unobservable, the insurer’s access to the new technology has some additional side effects on its market share. First, the insurer applies its available technology even when the technology increases its cost and premium, which decreases its market share. Moreover, the unobservable technology accessibility leads customers to expect that insurers may all have access to the new technology and underestimate the premium of those without access, which also decreases the market share of an insurer who has access to the new technology. Our results help explain the unclear relationship between technology adoption and the market share dynamic of insurance companies in practice. 

个人简介：

曾燕，中山大学岭南学院教授、博士生导师，其研究领域包括数字经济、数字（普惠）金融、金融工程、风险管理与保险精算。他是国家级青年人才，国家社科基金重大项目“数字普惠金融的创新、风险与监管研究”的首席专家；他是爱思唯尔中国高被引学者（2020、2021应用经济学）、广东省高校青年珠江学者、广东省自然科学基金杰出青年项目和霍英东教育基金项目获得者；他是广东省高校“千百十人才培养工程”培养对象、系统科学与系统工程青年科技奖获得者、中国决策科学青年科技奖获得者。主持了国家自科面上项目等10余项课题，在本领域著名期刊《Journal of Economic Dynamics and Control》、《Insurance: Mathematics and Economics》、《Annals of Operations Research》《IEEE Systems Journal》、《Journal of Optimization Theory and Applications》、《管理科学学报》等上发表学术论文80余篇，其中SCI/SSCI收录40余篇，出版7本学术著作。研究成果获得第八届高等学校科学研究优秀成果奖（人文社会科学）二等奖（部级）、广东省哲学社科优秀成果一等奖（省级）、第七届高等学校科学研究优秀成果三等奖（部级）、中国人保部社会保障论坛征文三等奖（部级）等。

 

联系人：王文元