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The necessity for regulating the insurance market considering the implementation of the IDD
Petsch, Victoria - In: Proceedings of the ENTRENOVA - ENTerprise REsearch … 5 (2019) 1, pp. 179-186
In 2018, the Insurance Distribution Directive (IDD) was fully implemented by all EU member states. It intends to harmonize the insurance market, provide the right incentives for the agents and protect the consumers. But why? The core business of the banking sector makes it necessary for a...
Persistent link: https://www.econbiz.de/10012228040
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The optimal subsidy on electric vehicles in a metropolitan area : a SCGE study for Germany
Hirte, Georg; Tscharaktschiew, Stefan - 2012
. We, first, derive analytically the optimal subsidy in a spatial partial equilibrium model of a city with two zones where … vehicles and electric vehicles. There we find that the optimal subsidy rate is the sum of changes in externality costs … simulations to calculate sign and size of the optimal subsidy or tax rate. This model is calibrated to a typical German …
Persistent link: https://www.econbiz.de/10011517765
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NatCats and insurance in a developing economy : new theoretical and empirical evidence
Hott, Christian; Xuyen Thi Tran - 2020
Our paper analyses the effect of natural catastrophes on insurance demand in a developing economy and the specific role … impact of a loss event on insurance demand more positive. These findings are confirmed in our empirical analysis: Overall … natural catastrophes decrease insurance demand of affected households in Vietnam. The enhancement of insurance regulation not …
Persistent link: https://www.econbiz.de/10012425915
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Why do people buy insurance? : a modern answer to an old question
Fels, Markus - 2021
I revisit the question of which motive underlies insurance demand. I draw on the literature of state-dependent utility …
Persistent link: https://www.econbiz.de/10013330729
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Rail car fleet design : optimization of structure and size
Klosterhalfen, Steffen T.; Kallrath, Josef; Fischer, G. - In: International journal of production economics 157 (2014), pp. 112-119
Persistent link: https://www.econbiz.de/10010437506
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Optimal allocation of vehicles to bus routes using automatically collected data and simulation modelling
Sánchez-Martínez, Gabriel E.; Koutsopoulos, Haris N.; … - In: Research in transportation economics 59 (2016), pp. 268-276
Persistent link: https://www.econbiz.de/10011706910
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Can fintechs stabilize the financial sector?
Windl, Martin - 2020
The growing popularity of fintechs has led the Financial Stability Board (FSB) to publish considerations about the effects of this emerging industry on stability and efficiency in the financial sector. Against this background, this paper compares the effects of competition and collaboration...
Persistent link: https://www.econbiz.de/10012419125
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Loan insurance, adverse selection and screening
Ahnert, Toni; Kuncl, Martin - 2019
We examine insurance against loan default when lenders can screen in primary markets at a heterogeneous cost and learn loan quality over time. In equilibrium, low-cost lenders screen loans but some high-cost lenders insure them. Insured loans are risk-free and liquid in a secondary market, while...
Persistent link: https://www.econbiz.de/10012287496
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Bank capital regulation and endogenous shadow banking crises
Poeschl, Johannes; Zhang, Xue - 2019
We study the macroeconomic effects of bank capital requirements in an economy with two banking sectors. Banks are connected through a wholesale funding market. Anticipated banking crises occur endogenously in the form of self-fulfilling wholesale funding rollover crises. Retail bank capital...
Persistent link: https://www.econbiz.de/10012265800
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Profit taxation and bank risk taking
Kogler, Michael - 2019
How can tax policy improve financial stability? Recent studies point to large potential stability gains from a reform that eliminates the debt bias in corporate taxation. Such a reform reduces bank leverage. This paper emphasizes a novel, complementary channel: bank risk taking. We model the...
Persistent link: https://www.econbiz.de/10012267570