Dopady kvalitativních změn v charakteru rizik na problém asymetrie informace na pojistných trzích

Eva Ducháčková and Jaroslav Daňhel

Český finanční a účetní časopis, 2006, vol. 2006, issue 1, 150-162

Abstract: The Nobel Prize award to scientists for thier theoretical contribution to analysis of markets with asymmetrical informations has reawakened debates on the behavior and decision-making of economic player under uncertainty. Becouse insurance is an classic example of such a situation, it is used to illustrate the cases of asymmetry, for the clients is supposed to know better his own exposure then the insurer. In fact, the client´s objective exposure apriori be cannot quantified from the point of wiew of exact sciencis and his decision is futher influenced by psychological and sociological faktors. The insurer is better equipped to make calculations, drawing on past experience and using the laws of statistics, furtermore, he takes antiselection on account. The final part of the paper explores the field of insurance market regulation in relation to the asymmetry of information between an insurance company and its client.

Keywords: Decision under uncertainty; Asymmetric information on insurance market; Consequences for supervisory; Rozhodování při nejistotě; Asymetrie informace na pojistných trzích; Důsledky pro dohled (search for similar items in EconPapers)
JEL-codes: D74 D81 D82 G22 (search for similar items in EconPapers)
Date: 2006
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DOI: 10.18267/j.cfuc.134

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