Testing for Adverse Selection in China's Auto Insurance Market

This paper empirically examines the adverse selection models by using the data from Chinas personal automobile insurance market through the standard positive-correlation test. Results show that higher-risk insurance policyholders do tend to buy insurance with a lower coinsurance rate, which supports the existence of adverse selection in China's automobile insurance market. This is quite a contrast to the findings in mature insurance markets.

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Year of publication:	2011
Authors:	Gao, Feng ; Wang, Jun
Published in:	Asia-Pacific Journal of Risk and Insurance. - De Gruyter, ISSN 2153-3792, ZDB-ID 2541118-4. - Vol. 5.2011, 1
Publisher:	De Gruyter
Subject:	adverse selection \| ordered logit model \| negative binominal model

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Type of publication:	Article
Type of publication (narrower categories):	research-article
Language:	English
Other identifiers:	10.2202/2153-3792.1082 [DOI]
Source:	Other ZBW resources

Persistent link: https://www.econbiz.de/10014585482