概要
日時：2012年5月10日(木) 16:30-18:00
場所：3号 館1階116室
講演者：菅原慎矢氏(東京大学)
タイトル：An Econometric Analysis of Insurance Markets with Separate Identification for Moral Hazard and Selection Problems
【Abstract】
This paper proposes a simple econometric framework that can identify moral hazard and selection problems separately in insurance markets. Although our methodology requires behavioral assumptions on the consumer’s optimization, we show that these assumptions are necessary for the separate identification of the two sources of information asymmetry. Our method is applied to the dental insurance market in the United States. In addition to standard moral hazard, we find advantageous selection, which is not detected by a conventional methodology.