Nội dung được dịch bởi AI, chỉ mang tính chất tham khảo
Hành vi rủi ro và hiệu quả bảo hiểm: vai trò của quyền sở hữu và quy định từ các nền kinh tế mới nổi
Tóm tắt
Bài báo xem xét tác động của hành vi chấp nhận rủi ro, quyền sở hữu và quy định đến hiệu quả bảo hiểm. Nghiên cứu sử dụng hồi quy đồng thời bị cắt đứt 2 giai đoạn Simar và Wilson mạnh mẽ cho 40 công ty bảo hiểm Ghana trong giai đoạn từ 2008 đến 2017. Đầu tiên, nghiên cứu cung cấp bằng chứng cho thấy hành vi chấp nhận rủi ro trong bảo hiểm làm giảm hiệu quả bảo hiểm. Nghiên cứu cũng phát hiện ra rằng các quy định bổ sung cho quyền sở hữu bảo hiểm trong việc giải thích hiệu quả của các công ty bảo hiểm. Cuối cùng, bài báo chỉ ra rằng quyền sở hữu bảo hiểm và quy định là quan trọng trong việc giảm tác động tiêu cực của hành vi chấp nhận rủi ro đến hiệu quả bảo hiểm về lâu dài. Hệ quả chính sách là các cổ đông nên điều chỉnh lợi ích của họ với các nhà quản lý bằng cách thiết kế một khung bổ sung hiệu quả giữa các cấu trúc quyền sở hữu và hành vi chấp nhận rủi ro để đạt được hiệu quả bảo hiểm tối ưu. Các nhà quản lý cũng nên cung cấp các khuôn khổ quy định phù hợp với lợi ích của quyền sở hữu bên trong của các công ty bảo hiểm nhằm tạo ra quản lý rủi ro hiệu quả, từ đó tạo ra hiệu quả bảo hiểm tối ưu.
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