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A LOGNORMAL MODEL FOR INSURANCE CLAIMS DATA
lognormal distribution maximum-likelihood estimation number of claims total amount of claims
2009/2/25
In the insurance area, especially based on observations of the number of claims, N(w),
corresponding to an exposure w, and on observations of the total amount of claims
incurred, Y (w), the risk the...
SUPPLY-SIDE EFFECTS OF SOCIAL INSURANCE
SUPPLY-SIDE EFFECTS Social Security system SOCIAL INSURANCE
2008/12/8
Introduction
The Social Security Amendments of 1983 were hailed by their
authors as the ultimate solution to the financing problems of the
Social Security system. In view of the persistence of thes...
ENVIRONMENTAL RISK MANAGEMENT THROUGH INSURANCE
ENVIRONMENTAL RISK MANAGEMENT INSURANCE human health
2008/12/5
Introduction
Reported threats to human health from chemical releases into the
environment have become a weekly ritual. Despite contrary biomedical
evidence (Ames 1983; Peto 1984), a majority ofthe ...
A TRANSACTION COST ANALYSIS OF BANKING ACTIVITY AND DEPOSIT INSURANCE
TRANSACTION COST DEPOSIT INSURANCE BANKING ACTIVITY
2008/12/4
Introduction
In neoclassical price theory the firm is a black box and there are
no banks. Into the box go labor and capital and out come products;
the apparatus is driven by wealth maximization and...
DEPOSIT INSURANCE IN THEORY AND PRACTICE
DEPOSIT INSURANCE market incentives government regulation
2008/12/4
My purpose in this paper is to analyze how market incentives could
substitute for government regulation ofbanks in controlling risk. The
present system for insuring bank deposits is unique in conjoi...
ANTITRUST AND INSURANCE：SHOULD THE MCCARRAN ACT BE REPEALED?
ANTITRUST INSURANCE MCCARRAN ACT
2008/12/3
The McCarran-Ferguson Act (PL-15) passed in 1945 exempts the
state-regulated property-casualty (P/C) insurance industry from
important sections of the federal antitrust laws. There are a number
of ...
DEPOSIT INSURANCE：A HISTORY OF FAILURE
Federal Savings and Loan Insurance Corporation Federal Deposit Insurance Corporation savings and loan
2008/12/3
The failures in 1985 of deposit insurance programs in Maryland and
Ohio, along with the present difficulties of the Federal Savings and
Loan Insurance Corporation (FSLIC) andthe Federal Deposit Insu...
FINANCIAL INNOVATION AND DEPOSIT INSURANCE：THE 100 PERCENT CROSS-GUARANTEE CONCEPT
FINANCIAL INNOVATION DEPOSIT INSURANCE CROSS-GUARANTEE CONCEPT
2008/11/22
Dramatic changes in recent decades in the economics of the financial
services industry, due largely to the computer revolution, have
destroyed the efficacy of traditional financial services regulati...
REFORMING DEPOSIT INSURANCE AND THE REGULATORY SYSTEM：THE FAILURE OF THE MIDDLE WAY
DEPOSIT INSURANCE REGULATORY SYSTEM FAILURE
2008/11/21
Government never of itself furthered any enterprise, but by the
alacrity with which it got out of the way.
—Henry David Thoreau
DEPOSIT INSURANCE PRICING：THE HIDDEN BURDEN OF PREMIUM RATE VOLATILITY
DEPOSIT INSURANCE PRICING PREMIUM RATE VOLATILITY
2008/11/18
The virtual elimination of the federal deposit insurance premium
for the majority of banks in 1995 and 1996 has been widely heralded
as a boon for bankers. Certainly it represents welcome relief fro...
REGULATION OF BAD THINGS THAT ALMOST NEVER HAPPEN BUT COULD：HIPAA AND THE INDIVIDUAL INSURANCE MARKET
INSURANCE MARKET Patients’ Bill of Rights Health Insurance Portability and Accountability Act
2008/11/10
Since the collapse of the Clinton plan for large-scale health reform,
Congress has approached the medical care sector of the economy
very gingerly. One apparent lesson of the reform (though an obvio...
THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT: MORE THAN WE BARGAINED FOR, AND LESS
THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT job-lock
2008/11/10
When Congress passed the Health Insurance Portability and Accountability
Act (HIPAA) in 1996, the legislation was marketed as a
modest attempt to address health insurance portability problems facing...
DEPOSIT INSURANCE AND BANKING CRISES IN THE SHORT AND LONG RUN
DEPOSIT INSURANCE BANKING CRISES
2008/11/9
There has been a rising global trend for countries, especially in the
emerging economies, to institute explicit deposit insurance schemes
in the last two decades. During this period, financial marke...
Is Welfare Reform Responsible for Low-Skilled Women’s Declining Health Insurance Coverage in the 1990s?
Welfare Reform Responsible Low-Skilled Women Declining Health Insurance Coverage
2016/3/7
We use data from the 1989–2001 March Supplements to the Current Population Survey to determine whether welfare reform contributed to declines in health insurance coverage experienced by low-skilled wo...
The Match Quality Gains from Unemployment Insurance
Match Quality Gains Unemployment Insurance
2016/3/4
This paper assesses the benefits of unemployment insurance (UI) by measuring its effect in match quality. We note that UI generosity should affect the decision to match or not and should therefore hav...