생명보험에 있어서 보험료 차등화의 딜레마 -경제적 후생 관점에서 본 보험료 차등화 문제를 중심으로-
A Dilemma in the Classification of Insurance Pricing- From Economic Welfare Viewpoint-
이윤호(대구대학교); 최승호(가야대학교)
16권 5호, 1333~1343쪽
초록
In this paper, starting with a critical mind on how far the classification of insurance pricing(CIP) with the rapid speed shall be progressed, we explain the concept of social welfare whether it is desirable or not. * Assistant Professor, DaeGu University ** Assistant Professor, Kaya University The result shows that the prohibition of CIP is desirable on a social welfare point of view, if there exists a small probability difference between a good-risk and a bad-risk, or a small number of bad-risk relatively. However, it cannot absolutely guarantee that CIP is desirable in the case of a large probability difference between policyholder or a large number of bad-risk. Because the CIP in such a case brings bad-risk an utility loss, but good-risk an increased utility.
Abstract
In this paper, starting with a critical mind on how far the classification of insurance pricing(CIP) with the rapid speed shall be progressed, we explain the concept of social welfare whether it is desirable or not. * Assistant Professor, DaeGu University ** Assistant Professor, Kaya University The result shows that the prohibition of CIP is desirable on a social welfare point of view, if there exists a small probability difference between a good-risk and a bad-risk, or a small number of bad-risk relatively. However, it cannot absolutely guarantee that CIP is desirable in the case of a large probability difference between policyholder or a large number of bad-risk. Because the CIP in such a case brings bad-risk an utility loss, but good-risk an increased utility.
- 발행기관:
- 대한경영학회
- 분류:
- 경영학